Investment lending - All loans - Investment loans - Financial lenders
*USA, Canada, UK
*Dubia & Middle East
*Spain
*France
*Italy
*Greece
*Cyprus
*Austria
*Switzerland
*Netherlands
*Denmark
*Sweden
*Norway
We would like to introduce you to a global fund with an excess of $70 Billion AUM. The fund is a very active source of corporate finance, brief details of which are below:
Client profile - Business achieving profits of $15 Million or more.
Geographically - The UK, Europe (except France) and the USA
Sectors - All trading businesses sectors including property investment such as self-storage.
Finance facilities-
· Asset based lending
· Working capital
· Cash flow financing
· Acquisition or mergers
· Expansion
· Restructuring
Minimum Loan- $15 Million
Maximum Loan- $200 Million
Term- 5 to 7 years
Interest rate- Euribor + 6% to 8%
This fund is well capitalised and able to move quickly to support companies in a ‘transition phase’.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
PRIVATE EQUITY & VENTURE CAPITAL
STRUCTURED FINANCING
MERGERS & ACQUISITION DEALS
REAL ESTATE ADVISORY
PROJECTS, JV & BoT (BUILD OPERATE TRANSFER)
20% cash contribution required
Minimum loan £20m
No maximum
7/10 Years with rollover
1st charge, no equity needed
No profit share required
Fixed SOFR rates available
Interest rates from 2%
All sectors & locations welcome
A Unique Lender Providing Unique Facilities
We are working with an American Hedge Fund with $36 billion Assets Under Management. This fund has a philosophy of structuring a funding facility to suit the needs of the SME client.
The profile of such facilities is outlined below:
• Minimum loan £20million
• Maximum loan £150million
• Maximum term for 5 years
• Interest only facility available
• Interest rate range from 3% per annum to
7% per annum
Multi- jurisdiction facilities across:
• Canada
• USA
• Europe (north, south, east and west)
The fund is a global asset manager with nearly $7 billion of fully discretionary capital under management.
The firm has broad capabilities across the real estate sector including direct lending, special situations, public equity, private equity and structured/liquid credit. The real estate strategy provides flexible capital solutions throughout the capital structure on all property types across the US and Europe.
The fund typically invests between $5m and $125m
The fund is a special situations investment fund formed in 2009. Since inception, the firm has acquired / originated over $3.0 billion of debt and equity facilities.
Bespoke private capital 8-15% €10-150m 1-6 years
The Lender provides private capital to non-standard situations across Western Europe
• The Lender manages sector agnostic, opportunistic private credit funds with AUM of € 1.2bn*
We are able to offer the following facilities:
Business Finance
Range of $20m to $100 Million
All business sectors
Pre-revenue and start ups.
Asset Finance (plant machinery vehicles etc)
Sale and leaseback
Working Capital
Growth Capital
Mergers and acquisitions
5 x EBITDA
Senior Debt funding
Mezzanine Finance
Preferred Equity
Lending throughout the USA
Property Finance
Range of $20m to $250 Million
All asset sectors
Bridging Finance
Flips and Refurbishment
Repositioning of an asset
Ground up construction.
Senior debt
Mezzanine
Preferred Equity
Commercial Mortgages for investment purposes
Lending throughout the USA loan financing
$20-500m - Max 5 years - 3/7%
We are working with an American Hedge Fund with $36 billion Assets Under Management. This fund has a
philosophy of structuring a funding facility to suit the needs of the SME client.
20%+ IRR minimum equity investment size of c.$75M
The fund is a global asset manager with nearly $7 billion of fully discretionary capital under management. For development equity projects, we are typically 20%+ IRR investors and 2x MOIC, with a minimum equity
investment size of c.$75M and above.
The fund typically invests between $5m and $125m
The fund is a special situations investment fund formed in 2009. Since inception, the firm has acquired / originated
over $3.0 billion of debt and equity facilities.
Bespoke private capital 8-15% €10-150m 1-6 years
The Lender provides private capital to non-standard situations across Western Europe
• The Lender manages sector agnostic, opportunistic private credit funds with AUM of € 1.2bn*
50/85% LTV Equity Release Against Property & Shares
From London we can cater for US persons (outside of the US)
• We can cater for European based borrowers, subject to country of residence
USA - UK - EU - Canada
Funding for Projects: Mezzanine and Equity Facility
Target 100%+ ROI
With collective capital, we can assist UK builders in scaling their portfolios and increasing their building capacity across the country.
You would provide developers with the equity shortfall in a development project’s capital structure, where the maximum senior debt is also arranged.
The investment would offer the developer the shortfall in the capital stack behind senior debt. The product is a mezzanine and equity facility, with a term of 1-2 years.
Deploying across USA - UK - EU - Canada
Legal Protection Policy:
* An inter-creditor agreement with the senior debt provider
* A second charge on the project
* Personal guarantee, but unsupported
* Step-in rights in case of developer default
* 50% project profit shares
* Profit share to have first priority
* Cost overrun guarantee by the developer
We can also protect against capital loss by way of an insurance policy.
We can commence from £10/100m.
Kindly contact me for comprehensive information.
A major equity fund that supports trading businesses where the EBITDA of the company is €5m or more. Furthermore, please note:
*Geographically - Anywhere
*Business sector - Any sector providing the sector is not declining
*Minimum ticket - €10m
*Maximum ticket - €100m
*Term - Open-ended.
DEVELOPMENT FINANCE
We have several funds willing to offer debt funding throughout the majority of European jurisdictions.
· Maximum loan to cost is 75%
· Min loan is €35 Million
· Max loan is €200 Million
· Interest rate is Euribor +3%
· Asset sectors include hotels, logistics, student accommodation, multi family projects.
PRIVATE EQUITY & VENTURE CAPITAL
STRUCTURED FINANCING
MERGERS & ACQUISITION DEALS
REAL ESTATE ADVISORY
PROJECTS, JV & BoT (BUILD OPERATE TRANSFER)
20% cash contribution required
Minimum loan £20m
No maximum
7/10 Years with rollover
1st charge, no equity needed
No profit share required
Fixed SOFR rates available
Interest rates from 2%
All sectors & locations welcome
We can fund mezzanine and equity finance in Poland but a minimum ticket size is €15m.
I am pleased to advise you that we are now working with a global fund whose funding criteria is as follows:
Geographically - UK, The Middle East, Asia (including Australia and New Zealand)
Products -
Asset Sectors -
Minimum ticket size - €50 Million
Maximum ticket size - €300 Million
Sweet spot ticket size - €100 Million to €150 Million
Interest rate - Base Rate + 3% to 3.5%
Maximum loan to costs - Very flexible for the right client
Corporate lending to developers by way of a credit line of €100 Million
In the Caribbean we can offer:
Debt upto 70% LTC
For hotel acquisition or repositioning, mezzanine finance starting at $15 Million upwards
Bridge finance on land
Bridge finance on residential property valued at $2 Million upwards
I can now advise that I am working with a major Pan-European fund that will provide Preferred Equity for property developers.
Profile
Geographically:
Product: Preferred Equity
Maximum Advance: 85% of project costs
Minimum Investment: €15 Million
Asset Sectors:
Senior Debt: The Fund can provide the senior debt and the preferred equity
For cash generative and profitable companies, I have a specialist corporate finance company who can offer between 5 and 7 times EBITDA averaged over the last 3 years.
The facility is unsecured and priced at BBR +4% to 6%.
UK, Europe, and the USA.
In the UK, we start at £1m and can go up to £150m.
In Europe, we start at €20m+ and go up to €150m.
In the USA, we start at $5m and go up to $250m.
The purpose of the funding can be for:
*Expansion
*Acquisition
*Merger
*Restructuring
In addition to debt, we can also, on occasion, arrange equity, too.
We are working with a finance house that has $1 Billion in Assets Under Management. Their lending profile is:
Geographically - USA
Products
· Debt
· Mezzanine
· Preferred Equity
Business Sectors
· Good cashflow businesses
· Aerospace
· Business Services
· Consumer Products
· Healthcare
· Industrial
· Infrastructure
· Logistics
· Niche Manufacturing
· Software
Preferred Client Profile
· Acquisition
· Shareholder Buy Out
· Expansion
· Growth Initiatives
· Restructure
Minimum EBITDA- $3 Million
Maximum EBITDA Multiple- 4 times perhaps 5 times
Fund will syndicate with asset based lenders
Term - 5 years with bullet repayments
Interest rates -
· Debt 5.5%
· Mezzanine 12% to 14%
Minimum Loan- $10 Million
Maximum Loan-$100 Million
I hope that this is of interest.
I am pleased to advise you that we are working with an Assets Under Management Fund that can provide stabilisation debt for up to 60 years at very low interest rates. The profile is as follows:
Geographically- Austria, Germany, Netherlands, Republic of Ireland, USA and the UK.
Products available:
Large ticket long term mortgage
Large debt and refurbishment facilities
Stabilisation loan when the asset is about to generate income
Asset Sectors:
Build to rent, offices (pre-let)
Hotels
Student accommodation i.e. assets that are ‘about to open their doors’ to generate income.
When do they lend:
An asset has just been built or refurbished, is about to generate income and needs a long-term facility.
Refinance a cash generative asset needing a long term facility
Minimum loan £70 Million
Maximum loan £500 Million
Term:
15 years interest only
60 years capital and interest
Interest rate:
On 15 years the interest rate all in is 4.5%
On 60 years, the interest rate all in is 3.75%
Maximum loan to value
45% but with a syndicated partner 60% to 75% loan to value.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
2025 Source of funding for HNWIs whereby:
*£5m to £100m
*60% loan to value
*Term of 5 years
*Will secure on
- Property
- Shares
*Interest rate of Bank of England Base Rate + 1.35%
*They will also lend to Trusts, BVIs etc
Example
*HNWI equity release on their assets eg I have a client in London with £50m of property assets. We will release up to 60% at BBR+1.35% interest for any business purpose.
Extended version:
I attach details of a facility offered by a Wealth Management Fund within an International Bank. It is a little different to our usual Real Estate funding. However, I do believe that it can be very helpful where a wealthy client is asset rich but cash poor. The London office usually funds up to £10 Million. But the main office can fund up to £100 Million + loans.
The purpose of the facility can be quite varied, but it must be legal. The facility can be a term loan for 5 years or a ‘revolving facility’ like an overdraft. The maximum LTV is 60%. The interest rate is very competitive at the Bank of England Base rate +1.35%. The arrangement fee is 0.5%. There are no early repayment fees. As noted within the below, overseas borrowing is possible. The asset security should be real estate. However, shares in listed companies are also acceptable.
Case Studies
· A KC Barrister with property valued at £26 Million was provided with an ‘overdraft’ facility of
· £13 Million at BBR +1.35%
· Shares in listed companies but held in a BVI structure were security for a loan
· A client with no income but £10 Million cash offshore was granted a mortgage of £6 million.
The fund is based in London but is pan European
The minimum deployment is £30 million
The maximum deployment is £200 million
The fund in question provided a German litigation funder with a credit line of €160million.
A high-level overview of the type of litigation cases along with volume is all that is required initially.
Please contact us for full breakdown.
We are pleased to advise we are working with a major bank based in New Jersey, USA. They have $60 Billion Assets Under Management.
The bank has the following profile:
Products:
Revolving Facilities
Business Finance
Acquisition Finance
Stabilisation Loans
Construction Loans
Long Term Finance
Asset Sectors - All business and property sectors
Minimum Loan $20 Million
Maximum Loan $200 Million
Loan to Valuation 65%
Loan to Costs 65%
Mezzanine Strip 80% LTV
Term 2 to 5 years
Interest Rate SOFR +2% to 4%
Geographically - All major locations
This lender is very well capitalised and eager to do business.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
The Lender manages sector agnostic, opportunistic private credit funds with AUM of 2b
• Typical investment sizes range from €10m to € 50m, with capacity up to € 150m+
• Investments are usually structured as bespoke credit instruments or preferred equity
• The Lender is led by a senior team averaging 20 years' experience
• The Lender will work quickly to create bespoke solutions to address counterparty needs
• The Lender takes a partnership approach, investing into establishing long-term relationships
• The Lender offers flexibility on structure, duration and returns composition
• The Lender invests time in understanding borrowers with complex collateral or emerging
industries
• Early senior team involvement provides predictability of Investment Committee outcomes
Examples of Previous Transactions Key Details and Investment Criteria
Credit Facility
NAV Loan
Loan to asset-rich, cash-light
opportunistic German
investment firm
€30,000,000
Credit facility to a UK
litigation firm
€ 162,000,000
Location: London, UK
AUM: 2b
Investments closed: 40+
Geographical Focus: Western Europe
Strategy: Bespoke private capital
solutions
Return Target: 8-15%+
Investment Size: €10-150m+
Deal Duration: 1-6 years
NPL Secured Debt
Financing
Acquiring defaulted Spanish
mortgages from a Portuguese
bank
€10,000,000
Acquisition Facility
ACCEL G.
M&A Facility to e-commerce
aggregator
€42,500,000
Acquisition Facility
Olsam.
M&A Facility to e-commerce
aggregator
£25,000,000
Acquisition Facility
LBO facility for a European
engineering component
manufacturer and servicer
€29,000,000
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
We are pleased to confirm that we are working with a short term lender in the USA that funds bridging loans and 'flips'. The maximum advance is $2 Million. Full details are shown in the attached table. Commercial lines of credit Revolving lines of credit to serve the short-term borrowing needs of businesses. Cashflow lending and Working Capital needs. Minimum loan size $5 Million. Maximum loan $50 M
We are pleased to advise you that we can now offer our business clients both flexible and long-term funding. Our lender profile is:
Geographically- Nationwide across the USA
Purposes of loan-
Start Up with a good business plan
Business Expansion
Partnership Buy Outs
Business Acquisition
Minimum Loan- $300K
Maximum Loan- $10 Million
Business Sectors Acceptable- All business sectors but hospitality is carefully considered
Interest rate-9% to 10.5%
Fees - 2%
Term-
With real estate involved 25 years
Without real estate involved 10 years
Personal Guarantees will be required from any individual with greater than 20% shareholding. investment loans
We are pleased to advise you that we are working with a flexible but long-term lender offering commercial lending facilities. The products are outlined below:
Commercial lines of credit
Revolving lines of credit to serve the short-term borrowing needs of businesses
Cashflow lending and Working Capital needs
Minimum loan size $5 Million
Maximum loan $50 Million
Term of 1 to 3 years
Commercial Term Loans
Business expansion
Non-Real Estate asset purchases
Refinance debt
3 to 7 years term
Loan size $10 Million plus
Commercial Real Estate lending
Asset sectors:
Multifamily units
Semi commercial properties
Holiday parks
Retail, office, industrial student accommodation
Maximum loan of $20 Million
Maximum loan to value 75%
Maximum term of 30 years
Equipment Finance
$500,000 to $50 Million
Bridging and Construction Loans
Property Owners
Property Investors
Property Developers
Maximum Loan $75 Million
3 Year Term
Maximum loan to value 70%
Maximum loan to costs 65%
All asset sectors
Below is a flexible finance provider. They are an Assets Under Management company. They fund transactions with their own capital. They have two funds.
The profile is as follows:
Geographically - All in the UK and a small office in the USA
Products - Bridging to acquire property and refurbishment loans
Asset Sectors -
They like to secure upon income producing assets such as student accommodation and commercial property generating income
Minimum Loan - £5 Million
Maximum Loan -£25 Million
Term - 18 Months to 36 months
Loan to value - 65% to 70%
Interest Rate - Bank of England base rate + 4%
In addition to the above, they will also provide business lending as follows:
Minimum EBITDA required - £2 Million
Business sectors to avoid -
Cyclical businesses
Construction
Heavily technical
Products - Debt along with preferred equity
Minimum Loan - £7.5 Million
Maximum Loan - £25 Million
Interest Rate - Bank of England base rate +4% to 5%
I am pleased to confirm that I am working with a regional bank in the USA that ‘goes the extra mile’ for clients. They take an ‘adult view’ of applications and frequently help when other lenders have declined to assist. Their lending profile is as follows:
Geographically:
Colorado
Arizona
Texas
North and South Carolina
Florida
Missouri
And other states for a strong deal.
Business Sectors:
Any business sector including startups with sufficient collateral
Minimum Advance: $500K
Maximum Advance: $5 Million
Interest rate: Prime +2.75%
I am pleased to confirm that I am working with a Pan European Fund that has €8 Billion Assets Under Management that requires to deploy €1.3 Billion by year end 2025. They are very flexible in their investment criteria which is as follows:
Geographically:
Asset Sector: Logistics only
Minimum Size: 5,000 square meters
Maximum size: 25,000 square meters
When will they invest:
Preferred Equity Provider alongside Hotel ‘Operator’ or ‘Flag’ initiative
I am pleased to confirm that we are now working with a major investment fund that can provide mezzanine or preferred equity. Their profile is:
Geographically:
Asset Sectors:
Minimum Ticket: €15 Million
Maximum Ticket: €100 Million
Term: 3 to 5 years
Maximum Advance: 85% of project costs
Also note:
We are working with the following hotel operators who will operate hotels funded by the above:
Upto 100% Business and Property acquisition funding in the USA by way of a SBA (504)
I am pleased to confirm that we are working with a regional bank that is offering the above facilities. The profile is as follows:
Geographically: All USA except Alaska and Hawaii
Products:
High leverage commercial real estate loans to refinance or purchase
90% to 100% of the purchase price of a business acquisition
Debt consolidation to refinance credit cards, overdraft etc on a 10-year term
Equipment acquisition
Examples of lending:
Owner occupied multi-use real estate
‘We can finance up to 100% loan to value and the buyer would be coming in with the closing costs. We will have to take a charge on additional collateral if it is available’.
Business acquisition funding
'This is strictly for a partner buyout and expansion. We can finance up to 100% of the acquisition costs associated with the business or buyout’. For example, a restaurant owner wanting to buy an additional restaurant.
Twenty-Five Year Term
‘As an example, a client wants to buy a gas station where there is a business value and a property value. Providing the property valuation is at least 51% of the total valuation, then a 25-year term loan is feasible’.
Business Sectors- There are no restrictions on the business sectors
Minimum Loan: $1 Million
Maximum Loan:
$5 Million (no property involved)
$20 Million (with property involved)
Term:
10 years if no property involved
25 years if property is involved
Interest Rate:
10 year term is prime +3%
25 year term is prime +2%
Also note:
The loan application is signed off internally
Time for funds to be released is forty days
Start up or pre-revenue businesses are acceptable
A credit score of 680 is preferred but if high credit card balances reduce the score to 630, the case can still proceed.
The Nordics- Financial Solutions where liquidity is scarce
I am pleased to confirm that we are working with a specialist fund that covers the Nordic regions. The facilities are:
Geographically - Sweden, Denmark, Norway, Finland
Currency-SEK, NOK, DKK, EUR
Asset Class - All sectors, including caravan parks, petrol stations, office blocks etc
Products available:
· Stretch Senior and whole loan
· Junior debt and mezzanine
· Holdco Debt
· Bridging
Loan to Value - Up to 85%
Term - 2 to 10 years
Security - First charge or second charge
Minimum Loan - €5 Million
Maximum Loan - No upper limit
Interest Rate - Jurisdiction base rate +2% to 6
We work with and can monetise various types of bonds, including U.S. Treasury, Eurobonds and Corporate bonds (anything regularly traded).
We would need to analyze on a case by case basis. We require a KYC, ISIN and Prospectus to start the process.
£15m+ - offer debt - require 20/25% liquidity
One of my London based fund managers is seeking debt funding opportunities overseas. The details are:
*Development finance
*Senior debt
*Minimum loan is €40m
*Maximum loan is €300m
*Loan to cost advance 85% of project costs
*Asset sectors - All the living sectors, i.e., beds!!
*Geographically - UK, Republic of Ireland, Spain, Portugal, Germany.
I am working with a Pan-European Fund that is very active in the UK and Europe. The profile is as follows:
Products:
Whole Loan
Mezzanine
Preferred Equity
Geographically:
UK
Spain
Portugal
France
Germany
Italy
Poland
Asset Sectors:
Operational assets generating income
Refinance
Buy to build
Office to resi or hotel conversion
Distressed situations
Minimum Advance -€15 Million
Maximum Advance -€60 Million
Investment return for equity- 20% IRR
Whole loan- 10% to 12%
Whole loan- Up to 90% loan to costs
When will they invest?
Distressed situations
Topco Investments
Expansion capital for sponsors to grow quickly
Term- 5 to 7 years
I am pleased to advise you that we can now offer our business clients both flexible and long-term funding. Our lender profile is:
Geographically- Nationwide across the USA
Purposes of loan-
Start Up with a good business plan
Business Expansion
Partnership Buy Outs
Business Acquisition
Minimum Loan- $300K
Maximum Loan- $10 Million
Business Sectors Acceptable- All business sectors but hospitality is carefully considered
Interest rate-9% to 10.5%
Fees- 1.5%
Term-
With real estate involved 25 years
Without real estate involved 10 years
Personal Guarantees will be required from any individual with greater than 20% shareholding.
I am pleased to confirm that we are working with a residential investment fund who are currently looking at Single Family Housing.
Key criteria:
Target Areas:
This fund will pay over 10% of their purchase price to the developer/housebuilder to use within the capital stack behind senior debt etc.
Finally, this facility ensures that the fund removes any speculative aspect of building houses and not selling them.
I am pleased to confirm that I am working with a regional bank in the USA that ‘goes the extra mile’ for clients. They take an ‘adult view’ of applications and frequently help when other lenders have declined to assist. Their lending profile is as follows:
Geographically:
Colorado
Arizona
Texas
North and South Carolina
Florida
Missouri
And other states for a strong deal.
Business Sectors:
Any business sector including startups with sufficient collateral
Minimum Advance: $500K
Maximum Advance: $5 Million
Interest rate: Prime +2.75%
Please see the criteria of a small development fund with great flexibility offering development finance and bridging finance.
Product: Senior debt for development loans and ‘Flips’
Geographically: USA
Minimum Loan: $250K
Maximum Loan: $5 Million
Maximum Loan to Costs: 85% to 90%
Maximum Loan to Value: 75%
Term: 12 to 24 months
Interest Rate: 10% Fixed
Fees: 1.0% to 1.5%
Client Experience: Twp previous flip projects
Asset Sectors:
Multi Family
1 to 4 Residential Units
Mixed Use
I am pleased to confirm that we are now working with various lenders who support the above funding initiative. You will see below the criteria of one of these lenders. This is ideal for clients acquiring smaller businesses.
Geographically-USA
Minimum Loan-$300K
Maximum Loan-$5 Million
Term- 10 to 25 years dependent on asset
Business Sectors-
Medical Practices
Insurance Agency
Hotels
Funeral Homes
General Industries
‘No Go’ sectors-
Construction
Start Ups
Fuel Stations
Bars/Restaurants
Loan to purchase price-90%
Interest Rate: Wall Street Journal Prime Rate (7.5% + 2.75%)
I can now advise that I am working with a major Pan-European fund that will provide Preferred Equity for property developers.
Profile
Geographically:
Product: Preferred Equity
Maximum Advance: 85% of project costs
Minimum Investment: €15 Million
Asset Sectors:
Senior Debt: The Fund can provide the senior debt and the preferred equity
I am pleased to confirm that my office is working with a Pan European fund that focuses upon student accommodation. The fund is happy to forward fund the project whereby they purchase the land and pay the developer to build out the project. This means the developer inputs little capital. The fund is also content to fund simultaneously up to 5 projects with the developer. The fund will enter into a Joint Venture agreement with the developer. Furthermore this fund is very actively invested and has large funds to deploy. Finally the following points are appropriate:
Geographically: Netherlands, Italy, Germany, UK
Deal Size: 500 units €100 Million
Locations: Tier 1 and Tier 2 cities in the above jurisdictions
No planning risk is acceptable
Forward Funding over 2 years to complete the project. Thereafter the asset is stabilised over the following three to five years. Thereafter the fund may sell the project.
I hope that this is of interest to you.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
We work at Managing Director level at most of the Pan European funds. All these funds can fund up to €300m as debt, mezzanine, or preferred equity. Across most European countries!
Additionally, on trading business finance, we are also able to help from €2m upwards on debt and equity.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
For European developers, we can arrange 85% loan to costs up to €65m per project. That's an excellent offer for "quality" developers with 15% of project costs available.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
A major bridging and development lender is now available to us. The profile of the fund is as follows:
Product: Senior Debt
Geographically: All USA
Minimum Loan: $8 Million
Maximum Loan: $100 Million
Maximum Loan to Costs: 80%
Maximum Loan to Value: 70%
Term: 36 Months
Interest Rate: SOFR +6%
Fees: 1.5% to 2%
Client experience: Needs to have built out similar size projects before.
Asset Sectors:
Reference: USA Finance Provider Offering Financing Solutions for Capital needs $10 Million to $100 Million.
We are working with a finance house that has $1 Billion in Assets Under Management. Their lending profile is:
Geographically - USA
Products
· Debt
· Mezzanine
· Preferred Equity
Business Sectors
· Good cashflow businesses
· Aerospace
· Business Services
· Consumer Products
· Healthcare
· Industrial
· Infrastructure
· Logistics
· Niche Manufacturing
· Software
Preferred Client Profile
· Acquisition
· Shareholder Buy Out
· Expansion
· Growth Initiatives
· Restructure
Minimum EBITDA- $3 Million
Maximum EBITDA Multiple- 4 times perhaps 5 times
Fund will syndicate with asset based lenders
Term - 5 years with bullet repayments
Interest rates -
· Debt 5.5%
· Mezzanine 12% to 14%
Minimum Loan- $10 Million
Maximum Loan-$100 Million
The Nordics- Financial Solutions where liquidity is scarce
I am pleased to confirm that we are working with a specialist fund that covers the Nordic regions. The facilities are:
Geographically- Sweden, Denmark, Norway, Finland
Currency-SEK, NOK, DKK, EUR
Asset Class- All sectors, including caravan parks, petrol stations, office blocks etc
Products available-
· Stretch Senior and whole loan
· Junior debt and mezzanine
· Holdco Debt
· Bridging
Loan to Value- Up to 85%
Term- 2 to 10 years
Security- First charge or second charge
Minimum Loan- €5 Million
Maximum Loan- No upper limit
Interest Rate Jurisdiction base rate +2 to 6
I am pleased to confirm that we are working with a major fund that is able to syndicate with pension funds to provide large project funding. The profile is:
Geographically:
Cayman
Bahamas
Barbados
Turks and Caicos
Dutch Caribbean (Aruba, St Martens)
Products and Asset Sectors-
Commercial Mortgages
Development Project finance
Residential development to sell
Hotel development to operate
Minimum Loan $15 Million
Maximum Loan $50 Million but $100 Million + syndicated
Maximum Loan to Costs 70% to 75%
Interest Rates 5.25% to 6%
Term- Maximum 5 years to 8 years
Notes:
The Sponsor 30% of costs input can include pre-sale deposit
Pre-sale of 40% of the project are the target
The Syndication Club is a major bank and a pension fund for funding of $100 Million and above.
This Lender is a European Bank who just opened a branch in New York. This same bank can fund Trading Businesses if the business:- Has got an EBITDA between $2m-$15m- Is not trading with consumer products and tariff effected haulage. Is not active in Oil & Gas. They can lend 3.5x + EBITDA.
I have engaged with a smaller bank that is very active in the Small Business Administration funding initiative which is where the government provides the bank with a guarantee of up to 75% of any potential loss. The bank that I am thinking of can provide the following:
*Maximum loan of $10m
*Term of 10 to 25 years
*An interest rate of 9%
Cheapest rates guaranteed
Up to 80% LTV
Terms from 1 month to 2 years
Loans from £30K to £100M
Short-term funding which can be arranged very quickly, secured against any property type, and for any business purpose.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
Up to 80% LTV
Market leading rates
Cost of Works can be included
Loans from £100K to £100M
Utilised when works are being carried out during the loan. Suitable for Light and Heavy refurbishments and conversion projects including HMO, office to residential etc.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
(1)
Debt from $15m based on sponsor having 20/25% liquidity.
(2)
I am pleased to confirm that we are working with commercial finance sources in Dubai, Saudi, Abu Dhabi. These funds can offer funding for income generating asset purchase up to 70% loan to costs. The minimum loan is $40m.
(3)
I am pleased to confirm that my office is now able to arrange facilities in Dubai for both Investors wanting to enter the Dubai market and Sponsors requiring funding for opportunities in Dubai.
The details are as follows:
A circle of High Net worth Individuals in Dubai will provide private credit facilities as follows:
Senior debt
Mezzanine
Equity
Joint Venture Finance
Maximum Advance $60 Million
Interest Rate 12%
A major bank will provide:
Assistance to purchase or refinance an income producing asset.
Minimum Advance $2 Million
Maximum Advance $50 Million
Maximum Loan to Value 70%
Interest Rate 10% to 12%
A major bank will provide:
Assistance to purchase or refinance an income generating asset.
Minimum Advance $40 Million
Maximum Advance: There is no maximum
Maximum Loan to Value 70%
Interest Rates 10% to 12%
A major international bank that works with institutional clients will provide funding of $200 Million upwards with no limits.
As an overview concerning the above, I am pleased to confirm that we have multiple sources of funding in the USA. Such sources include the following:
Bridge to ‘flip’ lenders up to $2 Million
Asset based lenders secured upon plant, machinery, receivables, etc up to $100 Million.
Alternative/challenge bank funding providing business and property funding from $1 Million to $200 Million.
Bridging finance upto $100 Million
Development funding upto $200 Million
Energy efficient project mezzanine (top up) funding for multifamily, hotels, resorts, senior living up to $500 Million
Preferred equity funding starting at $15 Million requiring 20% IRR.
Stabilization funding for investors and developers involved in institutional parks, hotels, multi family. This can be for situations where the project is complete but with revenue to be imminently generated. Loan facilities of up to $500 Million for 60 years at 3.75% this is not SOFR +3.75% this is 3.75% all in!!
I am pleased to confirm that I am working with a global fund willing to invest as Equity Partners or outright purchases. They will support Developers and specialist asset purchases.
Geographically: UK, Ireland, Netherlands, Portugal, Spain and Italy
Minimum investment: €10 Million
Maximum investment: €50 Million
Target returns: 20% IRR
Asset sectors:
Student accommodation
Build to sell
Hospitality/Hotels
Office to resi conversions
Examples of when they invest:
Distressed projects that have gone into insolvency
Joint Ventures with Developers wishing to grow quickly
Hotels being bought undervalue and being repositioned
Speculative purchase of land with planning permission to build hotels
To achieve the minimum ticket size of €10 Million, the fund will support a Developer with 3 projects needing €5 Million equity per project.
I hope that this is of interest to you.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
Cayman
Bahamas & TCI
Barbados
Min
Varies on request
Max
Based on request
Currencies
USD & KYD
USD & BSD (Central Bank Approval)
BBD (USD exception basis & CB Approval)
Rate
4%+
LTC
70-80%
We have a funding facility where they can lend 75% NET day 1 of the purchase costs and 100% of the construction costs at circa 0.73% P.C.M interest.
If the landowner consents to this proposal and the borrower has successfully completed comparable projects in the past, this option becomes viable.
We are pleased to confirm that we are working with a global fund willing to invest as Equity Partners or outright purchases. They will support Developers and specialist asset purchases.
Geographically: UK, Ireland, Netherlands, Portugal, Spain and Italy
Minimum investment: €10 Million
Maximum investment: €50 Million
Target returns: 20% IRR
Asset sectors:
Student accommodation
Build to sell
Hospitality/Hotels
Office to resi conversions
Examples of when they invest:
Distressed projects that have gone into insolvency
Joint Ventures with Developers wishing to grow quickly
Hotels being bought undervalue and being repositioned
Speculative purchase of land with planning permission to build hotels
To achieve the minimum ticket size of €10 Million, the fund will support a Developer with 3 projects needing €5 Million equity per project.
I hope that this is of interest to you.
A succinct, one-page document that encapsulates the essential information for a rapid review. This document should include an overview, terms, and return on investment (ROI).
We are pleased to confirm that I am working with a major fund in the USA who focuses on real estate only. They are flexible and innovative. Their profile is as follows:
Geographically- USA
Asset Sectors- Property related only i.e. No business loans. The asset sectors include:
· Residential- multifamily and BTR etc
· Commercial
· Hotels
Products available-
· Construction/ Development
· Bridging
· Mezzanine
· Discounted debt or distressed
· Preferred equity
Loan size- $25 Million to $125 Million
Term- Maximum 5 years
Interest rate- Debt is SOFR + 3 %
Mezzanine and Preferred equity- high teens
Maximum LTV- 75%
We are working with a finance house that has $1 Billion in Assets Under Management. Their lending profile is:
Geographically - USA
Products
· Debt
· Mezzanine
· Preferred Equity
Business Sectors
· Good cashflow businesses
· Aerospace
· Business Services
· Consumer Products
· Healthcare
· Industrial
· Infrastructure
· Logistics
· Niche Manufacturing
· Software
Preferred Client Profile
· Acquisition
· Shareholder Buy Out
· Expansion
· Growth Initiatives
· Restructure
Minimum EBITDA- $3 Million
Maximum EBITDA Multiple- 4 times perhaps 5 times
Fund will syndicate with asset based lenders
Term - 5 years with bullet repayments
Interest rates -
· Debt 5.5%
· Mezzanine 12% to 14%
Minimum Loan- $10 Million
Maximum Loan-$100 Million
I am working with a pan European fund that has two separate funds offering the following:
Smaller fund
*Geographically - UK, Southern Europe, Western Europe and Northern Europe
*Asset sectors - Any
*Minimum loan - €5m
*Maximum loan - €65m
*Maximum loan to costs - 85%
*Term - 4 years
*Interest rate and exit - 14%
*Fees - 1.25%
Larger fund
*Geographically - As above
*Asset sectors - All
*Minimum loan - €25m
*Maximum loan - €175m
*Term - 4 years
*Interest rate - Euribor +4%
*Fees - 1.25%
The fund typically invests between $5mm and $125mm per individual investment and up to $250mm in
participations, portfolios of corporate credits or niche financial assets.
The fund is very bespoke, innovative and flexible.
The fund offers assistance to a business experiencing a ‘transition’ in its life cycle.
Any industrial sector is acceptable.
The usual term is 1 to 3 years.
The IRR is in the high teens.
I believe that this fund is ideal for the current economic cycle.
On forward funding of a living sector asset like Build To Rent or Student Accommodation, the funding institutions like to see:
*A detailed schedule of accommodation showing floor by floor the Gross Internal Areas, the Net Internal Areas, the individual unit valuation and forecast rental income
*A copy of the site plans
*Details of the market demand and competition
*No need for a lease unless an institution is the tenant
*Background to the delivery team
*Background to the project history
*Copy planning
*Detailed development appraisal
*Any valuation and rental comment from a third party
*A cashflow of the project delivery
The institutional investors will buy the land and contract the developer to deliver the project, paying the developer in line with the cashflow statement. The developer inputs minimal capital but earns a project profit of 10% to 15% of costs with no risks.
We are pleased to confirm that we are working with a Pan European Fund that has offices in the USA. The USA office has $2 Billion to deploy into the following arena:
Product- Bridging, Transitional and Stabilisation purposes
Geographically- Most of the USA
Minimum Loan- $10 Million
Maximum Loan- $250 Million
Maximum Advance-
· Acquisition 80% Loan to Costs
· Multi Family Refinance is 75% Loan to Value
Maximum Term- 3 years +1 year extension
Interest rate- Circa 7.75% Per Annum
Fees- 0.7% to 1%
Asset Sectors-
· Multi Family reposition and Development Exits
· Multi Tenanted Commercial
· Hotels/Hospitality But not dependent on conferences or food and beverage.
Typical Funding Situations-
Ø Multi Family project needing renovations and improvements before being fully let and ultimately refinanced on a long-term facility with a long-term lender.
Ø Multi tenanted commercial properties where the rent reviews are being implemented to a higher level. Whilst there is a mixture of old rents and new rents being charged, the fund will finance this interim period until all tenants are paying the new tariffs and a long term funder will finance a long term mortgage.
Ø Development exit facilities to pay off development lender and providing a period whereby sales or refinance can be achieved.
Ø A traditional hotel in need of refurbishment to achieve a higher branding level. A facility for 3 to 4 years allows stabilisation before long-term funding is in place.
We are working with a private credit finance company in the USA offering:
*$1m to $10m
*60% loan to value
*Asset sectors is flexible. For example, residential units, data centre, warehouses etc
*Distressed funding or rapid tuannum
*Maximum 3 year term
We can arrange senior debt of circa 65%LTGDV and mezzanine covering up to 96% Loan to costs. No profit share.
Alternatively, we arrange senior debt at 65% LTGDV and mezzanine and equity finance to cover up to 98% loan to costs but our mezzanine and equity finance provider will expect 50% of the project profits over a 24 month period.
We are working with a major fund that will forward fund the following asset sectors:
*Student Accommodation
*Build to Rent
The ticket size is £20m to £100m.
I am pleased to advise you that we are working with a privately owned fund that offers flexible funding to the business community. The lenders profile is as follows:
Ownership: Privately owned
Geographically: The whole of the USA
Business Sectors: All business sectors including construction (subcontractor) businesses but Not Medicare.
Minimum Advance: $500K
Maximum Advance: $40 Million
Term of loan: 2 years
Maximum Loan to Value: 85% to 90%
Products:
Pan European fund provided a client with a facility of €450m to build out various projects in Portugal. This provides senior debt or preferred equity. They can advance up to £1bn for the appropriate sponsor.
New applications welcome
A Flexible Pan European Fund Supporting Property Investors and Property Developers with medium term facilities.
Geographically:
· UK
· Western Europe countries including Republic of Ireland, Spain, Holland, France, Germany, Ital, Austria, The Nordics
· Not Switzerland.
· Must be prime locations.
Asset Sectors:
· Build to rent
· PRS
· Student Accommodation
· Co-Living
· Hotels
· Logistics
· Industrial
· Offices
· Retail
· Data Centers
· Not care homes
Lending products:
· Senior debt for acquisition or refinance
· Mezzanine debt for the ‘top up’
· Development Finance:
Ground Up
Renovations and Refurbishments
Not build to sell residential development but build to retain
Loan Size:
· Debt
Min (€15 Million) Max (€75 Million)
65% Loan to costs (Development)
· Mezzanine
Min (€20 Million) Max (€75 Million)
75% Loan to Value
· Investment Funding 65% Loan to Value
Term:
· 3 to 5 Years
· Interest Rates:
Whole Loan Euribor +4%
Investment Euribor +3.5%
Mezzanine 12% IRR
In order to bid successfully at auction, you need to feel confident that the necessary funds will be available to you when you need them. Our bespoke auction product can be available in a matter of days, which means no missed opportunities at auction or stressful times waiting for funds to clear.
MAXIMUM LOAN
£7,500,000*
MINIMUM LOAN
£50,000
MAXIMUM LTV
70% of 180 day or 90% of PP
ARRANGEMENT FEE
2%
BROKER COMMISION
Negotiable
MONTHLY INTEREST
From 0.79%, up to 1.19%
INTEREST PAYMENT METHOD
Serviced or retained
MINIMUM TERM
3 Months
MAXIMUM TERM
18 Months
Key Product Criteria
*Larger loans available on a case by case basis. Refer for more details.
*90% of purchase price is available on residential and semi-commercial assets subject to that sum being < 70% LTV
We have several funds willing to offer debt funding throughout the majority or European jurisdictions.
· Maximum loan to cost is 75%
· Minimum loan is €35 Million
· Maximum loan is €200 Million
· Interest rate is Euribor +2% to 3%
· Asset sectors include hotels, logistics, student accommodation, multi family projects.
Flexible commercial mortgage provider that has a common sense approach to real estate funding. Lending to a lender If your office is interested in being a short-term lender to property investors and developers, I have a specialist fund that will provide a line of credit up to €100 Million for 3 years. I hope the attached is of interest to you and I look forward to discussing further. A flexible long term commercial mortgage lender. This fund operates across a wide range of geographical jurisdictions and asset sectors. They have a common sense approach to underwriting, and they will consider ‘the story’ for the right sponsor and the right project. They understand that a newly built asset or refurbished asset needs a stabilization period before serviceability can be demonstrated. The lender profile is as follows: They have offices in:
· New York
· London
· Frankfurt
· Singapore
Preferred jurisdictions include:
· Europe (as far east as Poland)
· UK
· USA
· Asia's to include Mauritius
· Australia
Preferred Asset sectors:
· Hotels
· Student accommodation
· Residential portfolios
· Logistics
Minimum advance: £35 Million - Maximum advance: £300 Million
Maximum loan to value: 65% (OMV) Interest rate: Local base rate +2%
Purpose of Loan:
· Acquisition
· Restructure
· Development exit to retain
At the moment this fund will not provide development finance. With reference to hotel funding, they prefer the operator to sign a hotel management agreement instead of a lease.
I am pleased to confirm that, as an office, we continue to expand our offering in the USA.
Whilst we can call upon major funds for support concerning requirements for mezzanine and equity with ticket sizes of $50 Million upwards, it is very important to also provide the SME market with support. Subsequently, I can outline the following profile of a fund with which we now work:
· Source of funding- A single family office
· Investment size- $2 Million to $10 Million
· Geographically- USA
· Term- 1 to 5 years
· Produce offering- Mezzanine and Preferred equity.
· Preferred asset sector- Multifamily residential opportunities and hotels
· The asset needs to be generating income.
· The returns required- 12% to 20%.
· When will they invest:
Ø Where a client is short in the capital stack on an acquisition
Ø When a sponsor needs to de leverage senior debt to avoid breaching senior debt covenants.
Ø Distressed situations whereby a capital injection is required.
Recent case studies
A hotelier wanted to buy two hotels. One was a Hilton flag and the other was a IHG Flag
A local bank provided 70% of the purchase price
The sponsor input $4 Million
The shortfall of $4 Million was covered by the fund by way of a mezzanine facility charged at 12% with an exit ‘kicker’ of 8%.
The acquisition completed.
A hotelier was over leveraged due to 4 new hotels being constructed. He was suffering huge cost overruns. The new builds look to be ‘under water’ before they even open. The hotelier was facing bankruptcy. Fortunately, the hotelier had a group of four trading hotels which have equity. The solution was provided by the fund who bought the four trading hotels and leased them back to the hotelier with a ‘buy back’ option.
If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.COMMERCIAL MORTGAGE LENDER
We have a long-term commercial mortgage lender who will provide the below facility.
*Geographically - Europe, UK and USA
*Asset Sectors
Logistics, Hotels, Student Accommodation, Residential Portfolios, Retail, Offices, Business Parks
*Loan size - £35m to £300m (They fund in local currency and appropriate base rate)
*Term of loan - 7 years
*Interest rate of Base rate + 2%
*65% of the Open Market Valuation
Senior debt terms 90% of project costs and 70% loan to GDV. However, the senior debt provider will need the developer to have:
*A good track record
*A very good net worth to cover the Personal Guarantee requirements and cost overrun Guarantee
£20 - 150m flexible facility for trading businesses that may operate across several countries or even continents.
We are working with an American Hedge Fund with $36 billion Assets Under Management. This fund has a philosophy of structuring a funding facility to suit the needs of the SME client.
The profile of such facilities is outlined below:
• Minimum loan £20million
• Maximum loan £150million
• Maximum term for 5 years
Multi- jurisdiction facilities across:
• Canada • USA
• Interest only facility available
• Interest rate range from 3% per annum to 7% per annum
• Europe (north, south, east and west)
• Northern Australia
Typical security required are:
• Receivables/Debtors
• Inventory/Stock
• Plant & Machinery
• Real Estate
Funding Situations:
• Mergers and Acquisitions
• Refinance to release capital
• Turnaround/Restructuring/Insolvency
• Special Situations
• No asset class mix restrictions
• All SME sectors considered
• Additional cash-flow lends considered
• Also, non-asset backed cashflow loans.
• Event/Change Driven Scenarios
• Bridging back to stable position
• Shortfall with current borrowing.
Bridging Finance
This allows funds to be quickly arranged, to acquire land, or an asset, or release funds against land, or an asset already owned.
Example: A bridge facility of €3million in Portugal to allow a landowner to develop his land whilst awaiting a senior debt facility from a bank to be put in place.
Senior Debt
This is where an institution provides funding to acquire and/or to develop out a project.
Examples: A facility of €500,000 to finish off an apartment scheme in Germany.
A facility of €26million to acquire and refurbish a hotel in France.
Equity
This is where an institution will provide the capital shortfall above the senior debt facility. The investor will require a profit share.
Example: An equity facility of €5million to help the acquisition of land in Spain to build out a project of villas.
Forward Funding
This is where an institution will buy the “land” for the developer and pay the developer to build out either a hotel, apartment scheme, warehouse, or student accommodation scheme.
Example: The forward funding for a warehouse project in Italy.
Commercial Mortgage
Once a project is complete or a client wishes to acquire a property, it is possible to raise funds to provide a long-term facility to retain the asset.
Example: The refinance of an apartment scheme in Dublin.
RPS Finance can also help trading businesses to expand. The facilities and examples are below. Such facilities are available throughout Western Europe.
· Expansion funds as working capital – subject to the strength of the trading company, finance from €5million to €150million can be arranged to allow the business to grow quickly.
· Equity Funding – For those businesses who require more than debt, equity finance (by institutional investors) can be made available. Equity finance from €5million to €150million can be made available. The type of businesses that can be helped include:
§ Hotels
§ Manufacturing
§ Logistics
§ Super Markets
§ Professional Services
We have access to the following facilities that are available:
The development of apartments and houses up to $8 Million senior debt
Bridging on land and construction up to $50 Million
Senior debt, mezzanine and equity from $50 Million to $300 Million
Mezzanine and trading hotels from $15 Million upwards
Mezzanine and equity for hotels and living space $2 Million to $10 Million
Access to local bank funding up to 70% of purchase price
Equity for trading businesses showing EBITDA above $10 Million from $50 Million to $150 Million
Investment bank in New York $25 Million to $5 Billion.
Bridging finance – Equity Release - Any location in the world.
• Up to 75% LTV
• Estimated Cost 9-12%pa
• Minimum investment €2m
• No Maximum Loan
• Max term 3 years
Build to rent/PBSA/Senior Living investment - 20 funds globally
• Up to 75% LTC (most likely 65% from credit committee)
• Estimated Costs 8-10%pa interest.
• Minimum investment €30m
• Minimum 150 units
• Minimum investment €1m
• Maximum Investment €100m
• Fund will provide 80-90% of the equity for the project (Client inputs 2-4% of project costs assuming 80% LTC debt)
• Fund will require a profit share for providing equity
Development/Construction Finance
• Up to 80% LTC Client must be able to input either the land or 20-30% equity or have equity from one of our sources
• Estimated 8-12%pa interest.
• Minimum investment €500.000
• Maximum investment €N/A
• Equity can be taken from existing assets
• Timescales 2-3 weeks terms
• 4-8 weeks to drawdown
Forward Funding – Residential/BTR/Senior Living - 10+ funds
• 150+ Units
• No limit on investment amount
• Urban locations (Not rural projects)
• 100% of cost paid by fund.
• Developer delivers the project on a pre agreed profit
• Off plan purchase of flats, houses or PBSA
• Minimum investment €30m
• Deposit of 10% released on exchange (possible)
• Balance on completion
• Any major urban city across EU
Deal Sourcing
• Sourcing projects across the UK for developers across the world
• Example 1 - 235 unit BTR scheme sold to a Canadian pension fund
• Example 2 - 150 unit retirement village sold to UK based developer
• Example 3 - 300 unit BTR scheme sold to UK developer
Subject to the strength of the trading company, finance from €5million to €150million can be arranged to allow the business to grow quickly. Equity Funding – For those businesses who require more than debt, equity finance can be made available by institutional investors. Equity finance from €5million to €150million can be made available. The type of businesses that can be helped include:
Hotels
Manufacturing
Logistics
Super Markets
Professional Services
Please see the below facility of a flexible lender for Northern Europe providing refurbishment funding and owner occupied commercial term loans.
Geographically:
France
Netherlands
Denmark
Sweden
Norway
Austria
Germany (2025)
Products:
Renovations and refurbishments
Owner occupied commercial loans
Asset Sectors:
Hotels
Care Homes
Residential investments
Mixed use properties
Commercial investments
Minimum loan: €5 Million
Maximum loan: €20 Million
Loan to value: 65% to 70%
Interest rate: 1% per month
Fees: 2%
Please note: In France, during any renovation works, the asset (hotel etc) needs to be empty because of the insolvency laws in France.
I am pleased to advise that I am working with a well-capitalised fund that offers the following facility:
· Geographically: Denmark, Sweden (Finland next year)
· Product: Residential development. Both out of the ground and repositioning an asset.
· Asset sectors: Mainly residential including student accommodation, build to rent, build to sell. Also, logistics/warehouses
· Minimum loan: €5 Million
· Maximum loan: €50 Million
· Maximum loan to value: 75% of the gross development value pre- finance costs
· Term: 15 to 30 months
· Interest rate: 10% coupon
· Fees: 2% in and 1% exit
· Developer experience: Must have built out at least 5 projects. Contractor strength must be good.
1. Criteria is different depending on the loan but for the most part we like to see 3 years of profitable financials as we are a cash flow lender. We also offer SBA loans to clients that are weak in some aspects of their financials or longevity of their business.
2. We tend to use SBA with start ups or if there is a collateral shortfall to enhance the loan request. SBA is Small Business Administration in the U.S. which is an independent agency of the United States government that provides support to entrepreneurs and small businesses.
3. We can do any business or asset sectors.
No minimum and no maximum. Lending requirements may be different depending on type and size of the loan. We also have more decision makers involved with larger loans usually loans $5 million or higher.
Loan to security value differs based on loan type. For equipment we can usually do up to 120% if they have recurring equipment purchases. For owner occupied we require 80% loan to value. For lines of credits we require the loan to be secured with eligible accounts receivable and eligible inventory.
Term and interest rate also depends on loan type and Borrower when we analyse.
1. Criteria is different depending on the loan but for the most part we like to see 3 years of profitable financials as we are a cash flow lender. We also offer SBA loans to clients that are weak in some aspects of their financials or longevity of their business.
2. We tend to use SBA with start ups or if there is a collateral shortfall to enhance the loan request. SBA is Small Business Administration in the U.S. which is an independent agency of the United States government that provides support to entrepreneurs and small businesses.
3. We can do any business or asset sectors.
No minimum and no maximum. Lending requirements may be different depending on type and size of the loan. We also have more decision makers involved with larger loans usually loans $5 million or higher.
Loan to security value differs based on loan type. For equipment we can usually do up to 120% if they have recurring equipment purchases. For owner occupied we require 80% loan to value. For lines of credits we require the loan to be secured with eligible accounts receivable and eligible inventory.
Term and interest rate also depends on loan type and Borrower when we analyse.
Construction, Development & Refurbishment Loans
Residential/Commercial/Hotel/ PBSA/Student
UK and Europe
HIGHLIGHTS
Construction finance available across the UK and Europe
Pricing starts at 6% pa
Bespoke service and pricing on every deal
1st Time Developer options
Up to 80% Loan to cost (incl. land)
Minimum Loan €500,000
No Maximum Loan
Interest is rolled up and deducted from the facility
FURTHER DETAILS
More leverage available for strong assets with clients with a strong track record
Potential to lend up to 75% LTGDV (Will consider higher leverage with PG)
Can lend across most asset classes, except retail
Able to look at cross company guarantees
Unrivalled knowledge of the international property, credit, structure and advisory sectors;
Terms from 3 month to 7 years
Able to lend on single assets (e.g. Villas) or multi family projects
Hotel investment available across Europe and the UK
Can be partnered with our equity service to achieve 100% LTC - please refer to "equity investment" fact sheet
A client obtained planning permission to build out 100 affordable houses and apartments. With little capital to progress the project, RPS Finance introduced an institutional investor who, bought the land and entered into a development agreement with the client. The investor then paid for the build out of the project, retained the residential units and the developer earned 12% of project costs as a profit.
Term Loan
A developer wished to build out apartments to then retain as a long-term investment. RPS Corporate Finance arranged funding to cover 85% of the project costs along with a long-term mortgage to begin once the project was completed. The long-term mortgage was 10 years, interest only and 65% loan to value at an interest rate below 4%
We are expanding across Europe, we are looking to speak to developers that require funding, advice or assistance on schemes that include;
• Residential schemes (€5m minimum loan, no maximum)
• Build to rent projects (minimum 100 units, no maximum) • Student projects in any major city across UK and Europe • Refinance opportunities
• Forward purchase opportunities, Student and Residential (minimum investment €30m, no maximum)
We have access to the following facilities that are available:
The development of apartments and houses up to $8 Million senior debt
Bridging on land and construction up to $50 Million
Senior debt, mezzanine and equity from $50 Million to $300 Million
Mezzanine and trading hotels from $15 Million upwards
Mezzanine and equity for hotels and living space $2 Million to $10 Million
Access to local bank funding up to 70% of purchase price
Equity for trading businesses showing EBITDA above $10 Million from $50 Million to $150 Million
Investment bank in New York $25 Million to $5 Billion.
Spain
France
Italy
Ø Local bank senior debt
Ø Mezzanine up to €10 Million
Ø Equity up to €10 Million
Greece
Cyprus
Ø Local bank debt
Ø Mezzanine €10 Million upwards
Ø Equity €10 Million upwards
This Pan European Fund provides a commercial mortgage facility for a variety of clients secured upon a variety of assets across a variety of jurisdictions.
Geographical range
All of Europe as far east as Poland
All of the UK
USA
Asset Sectors
Business parks
Commercial investment
Logistics
Student Accommodation
Hotels
Retail
Residential Portfolios
Minimum Loan- £35 Million
Maximum Loan- £300 Million
Interest Rate- Bank of England Base Rate + 2%
Euribor + 2%
Maximum term- 7 years
Maximum loan to value - 65% of the GDV open market value
Ideal clients- Property investors wishing to acquire or refinance
Property developers wishing to retain the asset
I attach (one pager) for your consideration details of a specialist lender providing:
Senior debt
Mezzanine
Stabilisation term loans once the project is completed.
LEXIBLE SENIOR DEBT PROVIDER
I attach (one pager) for your consideration details of a specialist lender providing:
Senior debt
Mezzanine
Stabilisation term loans once the project is completed.
Geographical areas are:
UK
Europe
Asset Sectors:
Student accommodation
Build to rent
Co Living
Please note, as an office we can also arrange in certain countries equity finance to support the above.
*Opportunistic investor
*Likes JVs with a co investor/operator
*Minimum investment is negotiable.
*Maximum investment is £25 million
*Co investor or JV partner must invest 10% to 20% of the project costs. The fund will provide 80% to 90% of project costs
*Part completed developments in distress are acceptable
*Other distressed situations also considered
*Do not like ground up developments
*Require a return of 1.5 times their investment.
*Geographical - UK, Italy, Germany, France, Portugal, Spain
*Asset Sector - Hospitality, Residential Development, Student Accommodation, etc, NOT offices
*Minimum advance is EUR15M
*Maximum advance is EUR60M
*The equity shortfall advance can be 75% to 90% behind local bank senior debt
*Sponsor/client to have 10% to 25% of the capital shortfall as "skin in the game" behind local bank senior debt
*Equity is preferred equity
*Profit share is a minimum 50%
Portugal approved for a total facility of €450 Million by a Pan European Fund with whom we work. The profile of the facility is:
· Total loan €450 Million
· Senior debt only
· Maximum loan to cost 75%.
· Interest rate of Euribor + 2.5%
· Arrangement fee of 1.25%
· To be deployed simultaneously across several projects
· Asset sectors involved:
Logistics
Residential development
Hotel development
Student accommodation
· Acceptable capital structure:
Joint Venture with landowners
Equity investment by third party
Initial forward commit funds by eventual buyer
The client was highly delighted with the facility as it allows them to maximize the use of their capital.
As an office we arrange:
· Senior debt
· Mezzanine
· Equity
· Forward Commit
· Forward Funding
Such facilities are available in the UK and Western Europe, across all asset sectors.
Max LTV
Up to 85%
$50M-$300M
US | Europe
Recent Transactions
We are a $7bn global opportunistic fund, and invest in real estate equity, debt and securities globally.
Blackstone experience for the past 6 years, helping with the running of their real estate credit group in Europe.
For development equity projects, we are typically 20%+ IRR investors and 2x MOIC, with a minimum equity investment size of c.$75M and above.
Subordinate Loan / Structured Equity
Program
Whole Loan
Up to 85%
Common Equity
9-12%+
Up to 5 years
Condominium | Multifamily | Industrial | Mixed-Use | Hotel | Retail | Office
Acquisition | Pre-Development | Construction | Condo Inventory | Transitional Properties | CMBS | Special Situations | Note Purchases | Platform Capital
In the UK we have multiple equity finance options for our developers, ranging from £250,000 to £100 Million.
We have also developed our model throughout Western Europe, where we can arrange:
· Senior debt with local bank providers
· Mezzanine finance
· Equity finance
The range of equity options are €500K to €100 Million.
A recent developer client wanted to build out 59 houses in Spain but had minimal capital to input. We arranged the following capital structure:
A local Spanish Bank provided the senior debt.
An equity provider provided 80% of the capital shortfall.
The developer provided only 20% of the capital shortfall.
The equity provider and the developer will share the project profits on a 50/50 basis.
Investment Types: Equity investments or non-dilutive convertible notes/royalty interests.
Investment Amount: €3 million to €100 million.
Target Regions: Ireland, UK, Australia, Asia (e.g., South Korea, Japan), South Africa, Latin America (e.g., Mexico, Brazil).
Focus Industries:
Consumer Web/E-Commerce
Healthcare
Defense/Security
Biotech
Information Security
AI/Machine Learning
Defense
Mobility
Deal Types:
Stage: From Pre-Seed to Series A/B
Equity Offer: 10%-49% or convertible notes with warrants
Subsidiary Support: Available in Canada, UK, USA, Israel, Grand Cayman/BVI/Bermuda.
Use of Capital: Focus on product software development and marketing/advertising.
*Asset sectors - Residential and Commercial property
*Geographically all UK but very strong in South East
*Loan to value - 70% to 75% OMV!
*First or Second charge
*Minimum loan is £250,000
*Maximum loan is £50 million, but sweet spot up to £5 million
*Term - 12 to 24 months
*Interest rate from 0.7% per month
*Fees of 2%
*Completion time is 4 days!!!!
Will consider mezzanine and equity finance requests.
Desktop valuations, search indemnity, and 2 in-house underwriters!!
Products and asset classes, Corporate Lending, Asset Finance
- Acquisition Loans
- Growth capital loans
- Bridge loans
- Pre-IPO loans
- Specialty Finance Co’s
Real estate-backed loans
Whole loan purchases
Private shares / LP interests
Luxury asset financing (wine, yachts, art, etc.)
- Contract monetization
Investment parameters
- Size: £20 - £150+ million
- Rate: Floating rate + 7% to 12%
- Maturity: 1-7 years (including bridge loans)
- Currencies: all major global currencies
- Security: 1st lien senior secured, 2nd lien and mezzanine loans, preferred equity and 1st loss tranches, recourse and non-recourse
- Fees: flexible (exit, equity participation etc.)
- Coupon: can include partial non-cash pay PIK
Please let me know if this lender is of use to you.
*UK & Europe
*Minimum loan £2 million
*Maximum loan £50 million
*Purpose of loan:
- Bridge to purchase
- Bridge to discharge an existing bridge loan
- Insolvency issues
- Development lending
- Ability to move fast
*Likes distressed situations
*Fees of 2% in and 1% out
*100% Equity funding with expectations of 100%+ ROI
New Private Equity funds now available
*UK including Northern Ireland, Europe
*Minimum loan £2 million
*Maximum loan £50 million
*All sectors welcome
*Strat ups welcome
*Tech welcome
*Energy friendly
*Likes distressed situations
*Fees of 2% in and 1% out
*100% Equity funding with expectations of 100% ROI
This is where an institution will provide the capital shortfall above the senior debt facility. The investor will require a profit share. Example was an equity facility of €5million to help the acquisition of land in Spain to build out a project of villas.
This is where an institution provides funding to acquire and/or to develop out a project.
Examples: A facility of €500,000 to finish off an apartment scheme in Germany. A facility of €26million to acquire and refurbish a hotel in France..
This allows funds to be quickly arranged to acquire land or an asset or release funds against land or an asset already owned.
Example: A bridge facility of €3million in Portugal to allow a landowner to develop his land whilst awaiting a senior debt facility from a bank to be put in place.
We see working with a pan European fund that has two separate funds offering the following:
Smaller fund
*Geographically - UK, Southern Europe, Western Europe and Northern Europe
*Asset sectors - Any
*Minimum loan - €5m
*Maximum loan - €65m
*Maximum loan to costs - 85%
*Term - 4 years
*Interest rate and exit - 14%
*Fees - 1.25%
Larger fund
*Geographically - As above
*Asset sectors - All
*Minimum loan - €25m
*Maximum loan - €175m
*Term - 4 years
*Interest rate - Euribor +4%
*Fees - 1.25% - all loans
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