03 · What we finance
Real estate finance
Development, investment and bridging capital for owners and developers, secured on the property and its income.
Tenor 6 months to 5 years
The facility
Property facilities follow the asset: a development loan drawn against certified works, an investment loan serviced by rent, a bridge that closes a purchase while longer money is arranged. Valuation, title and the income stream decide the structure.
What it is for
- Residential and commercial development
- Income-producing investment property
- Bridging a purchase or a sale
- Refinancing a completed scheme
What stands behind it
- Legal mortgages over the property
- Rental income and sale proceeds
- Completion and cost-overrun support
What we ask for
- Title documents and survey
- Valuation by an approved valuer
- Development budget and programme, or rent roll
- Planning and building approvals
- Corporate documents and KYC
Also
The other five.
- 01Corporate lending
Term and revolving facilities for established companies: expansion, acquisitions, refinancing, and the balance-sheet moments between them.
Read - 02Private credit
Bilateral, confidential credit for situations a bank’s template does not fit: a timetable, an unusual asset, a sponsor’s structure, a need for discretion.
Read - 04Asset-backed finance
Facilities sized to what a business owns or is owed: receivables, inventory, plant and fleet. The line moves with the assets.
Read - 05Structured finance
Capital structures for transactions with several parties or several sources of repayment: vehicles, tranches, mezzanine.
Read - 06Trade and working capital
Finance that moves with the trading cycle: imports, distribution, confirmed orders and receivables.
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