Offices, shops and industrial.
Acquisition, refinance and works finance for experienced operators with a clear exit. We underwrite the asset and the operator, not just the headline yield.
- Loan size
- £250k – £1.5m
- Term
- 3 – 12 months
- LTV
- up to 70%
- Rates from
- 0.79% / month
- Exit fees
- None
- Geography
- England
- Security
- 1st charge + Ltd Co. debenture & PG
- Borrower
- Ltd Co., LLP or sole trader
What we lend on.
We’re specific about what we do. If your deal isn’t on the list, ask anyway. We’ll tell you straight.
Office
Multi-let or single-tenant buildings.
Retail
High street, secondary parades and retail park units.
Light industrial
Trade counters, warehouses and last-mile logistics.
Hospitality
Pubs, restaurants, hotels and serviced accommodation.
Self-storage
Operational sites with a trading history.
Re-positioning
Vacant possession purchases to refurbish and let.
Where we generally don’t lend
- Specialist healthcare without an operator track record
- Single-tenant assets with less than 12 months unexpired
- Speculative ground-up commercial development
Recent deals. Real outcomes.
All projects- Shoreditch, EC2
Shoreditch bridge and development loan
A three-tranche, asset-backed bridge and development loan, finalised in partnership with the borrower.
- Loan
- £600,000
- LTV
- 46%
- Security
- First charge and debenture
Camden, NW1Camden bridge loan
A first-charge bridge on a Camden property.
- Loan
- £315,000
- LTV
- 70%
- Security
- First charge
Three steps. One person.
- 4 hrsto an indication
Talk to our team
Speak with one of our dedicated experts, who will assess your needs and guide you through the process.
- 1named contact, start to finish
Complete a simple application
Fill out our streamlined form with the essential details, for a fast and tailored review of your deal.
- 2–3 wkstypical drawdown
Receive a swift decision
Terms confirmed in writing, then funds released on completion, with the same person on your file throughout.
Commercial questions.
Do you need a tenant in place?
No. We’ll look at vacant possession where there’s a credible plan to let or sell. Expect a lower advance than on an income-producing asset.
How do you treat hospitality?
Operator-led. We want to see trading accounts, or comparable experience from the principals.
Will you take a debenture?
Yes. Every loan to a limited company needs a debenture and a personal guarantee, alongside a 1st charge over the property.
Other sectors
Got a commercial deal? Let’s talk.
Send us the headline numbers and we’ll come back within four working hours with indicative terms, or tell you straight if it’s not for us.