The Intermediary – December 2025 - Flipbook - Page 39
SPECIALIST FINANCE
Opinion
Keeping deals alive
in a down-valued
market
T
here’s nothing like a
down-valuation to take
the wind out of a deal.
Everything’s neatly
in place, the purchase
price has been agreed,
and then the valuation comes in below
expectations. Cue the stress, lastminute calls, and a very real risk of
the transaction falling by the wayside.
Down-valuations are cropping
up more frequently across the
commercial sector, and it’s having a
knock-on effect on funding and the
broker’s ability to keep deals on the
straight and narrow.
This is where short-term finance,
particularly commercial bridging,
really comes into its own. For brokers,
knowing how and when to introduce
this can be of the utmost importance.
We’ve had a front-row seat to plenty
of these scenarios. Oen, brokers
come to us when something’s gone
wrong. The numbers don’t add up,
the deposit is at risk, and completion’s
days away. Our commercial bridging
loans are built with this in mind.
Whether it’s a shortfall caused by a
down-valuation, or the need for a
stopgap while refinancing options are
arranged, the goal is the same: don’t
let a viable deal die on the table.
Brokers and borrowers are
choosing short-term funding in a
more informed way, and lenders are
supporting that with steady pricing.
These moments are where your
value is clearest. Spot the issue early,
line up the right lender, and you’ve
done far more than ‘source finance’.
You’ve kept your client’s business
plans intact.
It’s not always about closing a
funding shortfall, either. Bridging can
give clients room to breathe.
Whether it’s waiting for a term
lender to catch up or juggling assets,
JONATHAN RUBINS
is director and chief
commercial officer at
Alternative Bridging Corporation
that headroom can make all the
difference.
Down-valuations aren’t going away.
We’ll probably see more of them in the
months ahead. That’s not great news,
but it’s not a disaster either, not if
brokers are ready to pivot, act quickly,
and make full use of the options
already available to them. ●
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December 2025 | The Intermediary
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