How to finance 100% of a property purchase or project as a business owner

Hey gang, Nathan Winch here. I hear people ask this question at least once a day, and it both frustrates and interests me at the same time. Why would someone want to finance 100% of something? Usually, because they haven’t got any capital of their own. That worries me. When you buy a productive asset, you usually have to look after that asset and take on the inherent risks of owning that asset. Therefore, when people ask me how to finance something, let’s say a property purchase, with 100% finance, I ask why. If it’s because they don’t have capital, I usually tell them it cannot be done. If they do have cash, and a strong business, then it can. Sounds counterintuitive, doesn’t it?

Well, I’m here to tell you that it is possible to finance property, and the purchase of other assets and investments, with 100% finance. But not with finance on the asset itself. This is the part where I usually lose people.

Now, going back to the question, why do you want 100% finance? Because if you haven’t got much or any money, then 100% finance isn’t possible. Because it means you also probably don’t have a strong business. And a solid business is what we need to raise this money. So, if the answer to the question isn’t because you have little cash lying around, then read on.

With a robust, cash generating business, all things are possible – if you know the right tools to use. Particularly if your business is B2B (or business to business) meaning you sell to other businesses. So, what’s the answer then, I can hear you screaming. The answer is to raise money against your business to purchase a property, not the property itself. You can do this in a variety of ways, that I will show you below, courtesy of my finance business, Preneur Capital, who can help you arrange many of these products:


The ability to borrow up to 90% of the value of your outstanding invoices.


The ability to borrow against hard assets in the business (as an add on to invoice finance).


The ability to borrow against the cash flow through your card payment machines.

In addition to these forms of finance, you can also borrow against the normal cash flow in your business, i.e. a multiple of your EBITDA – this is an expensive form of finance, but when used for short periods of time, can be extremely useful for projects inside and outside of your business, such as an alternative to bridging finance for your property developments.

For example, let’s say you have a property that you’d like to purchase as a buy-to-let investment. It’s on the market for £100,000 and you get your offer accepted by the estate agent. Let’s say you own a taxi business. This taxi business owns cars, a small office in the centre of town, as well as outstanding invoices to your business clients who have accounts with you. Your business clients, as of right now, owe your business £50,000. Your office is worth £60,000 and your fleet of cars, minus the finance you already have on them, are worth £100,000. So, to raise the £100,000 you need to buy the property, you’d perhaps do the following:

  1. Open an invoice financing facility, giving you 85% of your invoices day one – £42,500
  2. Add asset-based lending, unlocking let’s say 70% of the value of your cars, £70,000, you pay off your hire purchase finance of £30,000 – £40,000
  3. You borrow the remaining £27,500 against your property (I’ve thrown in £10,000 for legal fees, stamp duty etc., we really do mean 100%!) – £27,500
  4. £110,000 drops into your business bank account. You move it across to your property business bank account as an inter-company loan
  5. You purchase the property, pay the legal costs and stamp duty. Voila!

Oh, by the way, the property is unencumbered with no mortgage on it as you’ve borrowed it all against your business. Do with that as you will! Alternatively, you could have got a mortgage on the property that you wanted to buy, then financed the deposit in the same way above. It would still be 100% finance effectively; you’d just be borrowing less against your business.

I hope this helps you understand the power of a strong trading business, with which property becomes dead easy. If you want something, provided your business has the ability to raise the finance, then you can effectively just go and buy it. Of course, arranging these forms of finance will require valuations of business assets and short-form audits of your clients’ invoices, but overall, it is fairly quick to arrange. If you’re interested in finance like this, visit Preneur Capital.


This article was written in January 2022. I am not an accountant or tax professional. You should always discuss your personal circumstances with an accredited tax professional and financial adviser, as legislation can change.

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Nathan Winch Private Investor

About The Author Nathan Winch

British entrepreneur and private equity investor with over 12 years experience. Having started, scaled and sold companies in medtech, SaaS and FMCG, Nathan’s specialities include concept commercialisation, supply chain mobilisation, acquisitions and horizontal integration.