Primary Loan Criteria

The following primary criteria provides a guide to our lending parameters. However, as we are a service led lender we will happily discuss cases that may initially seem outside our lending parameters to see if a suitable funding package can be constructed.

Furthermore, as a lender our core focus is on the quality of the security being offered.  If the required funding is for a property conversion or refurbishment then we will assess the ability of the borrower to deliver their project. Finally, with all our loan advances, the strength of the exit strategy - whether refinance or sale.

Property Value

Our lending is based on current open market value.


Typical loan-to-value ratios are 75% net of interest and fees as a maximum, although every case is looked at individually.

Interest Rates & Fees

Lender’s fees, interest rates and exit fees are determined on a case-by-case basis. However, as guide, our interest rates are from 4.00% to 12.50% per annum, the lender's arrangement or success fee is typically 1.00% to 3.00%. Depending on the loan-to-value ratio and the complexity of the loan required an exit fee may be levied which will typically be 1.50% and will be charged on the outstanding gross loan amount and not a GDV. 

Loan Size

Our typical loan size ranges from $1,000,000.00 up to $500,000,000.00.

Security Location

Can be anywhere within the United States, Europe and Asia.   However, as with all other aspects of our approach to lending, we will consider loans on a case-by-case basis and we have completed loans outside the above-mentioned locations.

Preferred Security

We only consider business assets, stocks, bonds, properties, machineries, equipment, certificates of deposits/bank statement or personal assets.

We will quickly review each lending proposition and its suitability and we are happy to consider any proposals that you may have.


Contact Us

Cowan Investments LLC
#1208 Wilmington Island Road 
Savannah GA 31410 USA
#204 Collierstown Way
Peachtree City, GA 30269 USA

Tel: (470) 673 2021
Fax: (470) 226 3660