Overview

A high-net-worth client approached Bridford seeking funding for a Pagani Huayra valued at more than £2 million. While the client had significant wealth, they were in the process of completing the sale of their business and wanted to preserve liquidity ahead of the transaction.

Rather than simply arranging finance, Bridford developed a bespoke funding structure that balanced immediate affordability with the flexibility to adapt as the client’s financial circumstances evolved.

The Requirement

The client wished to acquire the vehicle without committing an unnecessarily large proportion of their available capital as an initial deposit.

With the sale of their business expected to complete during the finance term, maintaining liquidity was a key priority while ensuring monthly repayments remained at a comfortable level until additional funds became available.

Funding at this level also presented another challenge. With an asset value exceeding £2 million, the number of lenders prepared to consider the transaction was significantly more limited than for a conventional vehicle purchase.

Our Solution

Bridford worked closely with a carefully selected specialist lender experienced in supporting high-value transactions.

Following detailed discussions around the client’s short and long-term financial objectives, a bespoke funding structure was agreed, including:

• 25% customer deposit
• Funding structured to preserve liquidity during the business sale process
• Flexible contractual overpayment provisions
• A repayment profile designed to reduce capital more quickly once additional funds became available

This approach enabled the client to make significant capital reductions following completion of the business sale, lowering both future monthly repayments and the overall cost of borrowing, rather than simply deferring the balance through a larger final payment.

The Result

The client successfully completed the purchase while maintaining the flexibility they required during a significant period of personal financial change.

By understanding the wider context of the client’s objectives, Bridford delivered a funding solution that balanced liquidity, affordability and long-term financial efficiency.

The ability to structure finance around future events, rather than simply arranging a standard agreement, is exactly the type of bespoke approach that defines Bridford’s concierge-led service for high-value and complex acquisitions.