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.
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 6.00% 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.
Our typical loan size ranges from $1,000,000.00 up to $500,000,000.00.
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.
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.