Finance that reads the partnership, not the payslip.
Lending shaped around partnership income, trust distributions and a changing equity position, presented in the language a credit team needs.
Where retail lending stops.
Profit share, drawings and trust distributions rarely fit a servicing calculator built for a salary. Income that is lumpy, or held in an entity, gets discounted or set aside.
You understand your own structure better than the assessor reading it. That gap quietly sets a borrowing limit well below what the numbers actually support.
The buy-in, the moment your career steps up, is exactly the moment most lenders have no template for.
A different
starting point.
The whole income, presented.
We assemble the position across every entity and trust, then put it to a credit team in the form they need to say yes.
Funding the buy-in.
Lending that moves with you from employed to equity partner, with the buy-in financed alongside the home, not against it.
Lenders who speak the structure.
We work with credit teams who already understand distributions, partnership accounts and profit share.
The work, in
specifics.
- Partnership and equity buy-in funding
- Income recognised across entities and trusts
- Profit-share and distribution servicing
- Practice and personal lending under one plan
- Commercial premises funding
- Structuring that tracks your progression
How it works
in practice.
An illustrative example of how a Lydian engagement with this client typically unfolds. It shows the shape of the work, not a client testimonial.
- Situation
- A senior associate is offered equity partnership. The buy-in is significant, the shape of their income is about to change, and the bank wants two years of the new structure before lending.
- Approach
- We present the partnership accounts and the offer, fund the buy-in alongside an existing mortgage, and place it with a lender that assesses profit share rather than waiting for it to season.
- Outcome
- The buy-in completes on time. The borrowing reflects the partner they are becoming, not the salary they are leaving.
Talk through the buy-in, or the next step up, before the bank's calculator does.
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