LENDING CRITERIA

*USA, Canada, UK

*Spain

*France

*Italy

*Greece

*Cyprus 

*Austria

*Switzerland 

*Netherlands 

*Denmark 

*Sweden 

*Norway

*Republic of Ireland

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 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).

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.

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.

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.

RPS are 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).

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

 The Lender provides private capital to non-standard situations across Western Europe

• 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).

RPS 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).

RPS 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

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.

RPS 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

RPS 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.

For compliance and spam-related reasons, kindly forward your project to my Gmail account:

gary.corporatefinance@gmail.com

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 pleased to confirm that our 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 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 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.

Are you in need of quick bridging finance? Look no further! Our private funding solution offers:

✅ Funds within 48-72 hours

✅ Loan amounts up to £500k (higher possible)

✅ No upfront valuation or legal fees

✅ No solicitors required – funds deployed fast!

✅ Available for First, Second & Third Mortgages

✅ Residential, land, commercial, & industrial security accepted

✅ 60% LTV max

✅ Flexible terms, no monthly interest payments

🔑 How it works:

Quick electronic/desktop valuations

No need for consent from first and second mortgagees

Charges behind equity release OK

No exit fees in most cases

⏳ If you're looking for fast, no-questions-asked bridging finance, contact us today to discuss your funding needs. No matter your status, we’ve got a solution for you!

💬 DM for more information or email us at 

RPS-CF@ReceiverPropertyStock.co.uk

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.

• Geographically - UK only

This UK Loan provider unsecured loans from £ 10k to £ 100k these usually only require Personal Security

The UK company must show that they can afford to repay the Loan. Loan applications are typically processed in 1-2 weeks.

If you know companies we can try to help, please let us know.

Initially we need 

Latest set of Company Accounts

12 months Bank Statements

A short explanation of what the funding is for

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.

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%

RPS Finance 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.