Cash Buyers Welcome
LENDING CRITERIA
WE HAVE A GLOBAL REACH WITH HEAVY FOCUS IN THE FOLLOWING JURISDICTIONS:
*USA, Canada, UK
*Spain
*France
*Italy
*Greece
*Cyprus
*Austria
*Switzerland
*Netherlands
*Denmark
*Sweden
*Norway
*Republic of Ireland
7 X EBITDA
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.
$70 BILLION FUND
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).
$7 billion fund
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.
Large ticket commercial funding for case generative assets for up to 60 years
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).
Litigation funding available
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
Capital for Non-Standard Situations
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).
Traditional Banking Facilities in the USA
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).
USA Short Term Lender
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
Wealth Management Fund
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.
Flexible long term lender in the USA
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
Developers who require the highest funding
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:
Equity Finance for projects across European jurisdictions
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).
Property Funding in the USA
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%
Student Accommodation Funding
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).
Pan European fund
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%
Flexible Funding for North America and Europe
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.
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✅ Available for First, Second & Third Mortgages
✅ Residential, land, commercial, & industrial security accepted
✅ 60% LTV max
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Quick electronic/desktop valuations
No need for consent from first and second mortgagees
Charges behind equity release OK
No exit fees in most cases
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Forward Funding
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.
$2 Billion to deploy
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.
Private credit finance
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
96-98% Loan to costs
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.
Forward Funding for build to rent & Student accomodation
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
Unsecured Business Loan
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
€450m Raise for our client
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
Medium Term Facility
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
Auction Bridge
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
Development Finance
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.
Long Term Funding
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.
Expansion of our facilities in the USA - Mezzanine and Equity
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.
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
UK Property Developers
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
Trading Business Facility Across Several Continents
£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.
European Facilities
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
New Facilities Available from RPS Corporate Finance
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.
Global Bridging Finance - Equity Release
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
PREFERRED EQUITY UK & EU
• 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
Forward Commit
• 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
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 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
Northern Europe Refurbishment Funding & Owner Occupied Commercial Term Loans
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.
DEVELOPMENT FINANCE FACILITY
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.
Local Bank Covering Texas
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.
Development & Refurbishment Loans Residential/Commercial/Hotel/ PBSA/Student UK and Europe
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
Affordable Housing
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
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)
FUNDING IN THE USA
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.
SOUTHERN EUROPE
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
COMMERCIAL MORTGAGE LENDER FOR LONGER TERM BORROWERS
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
FLEXIBLE 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.
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.
We are working with a fund that has the following profile and offering:
We are working with a fund that has the following profile and offering:
We are working with a fund that has the following profile and offering:
*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.
Special Situations Fund
We are working with a fund that has the following profile and offering:
We are working with a fund that has the following profile and offering:
*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%
€450m Approved for Portugal Multiple Asset Sectors
We are working with a fund that has the following profile and offering:
€450m Approved for Portugal Multiple Asset Sectors
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.
Loan To Value
30 years of experience and €28 billion in assets under management.
€450m Approved for Portugal Multiple 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
Equity Finance
30 years of experience and €28 billion in assets under management.
30 years of experience and €28 billion in assets under management.
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.
30 years of experience and €28 billion in assets under management.
30 years of experience and €28 billion in assets under management.
30 years of experience and €28 billion in assets under management.
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.
Fast Moving Facility
Fast Moving Facility
Fast Moving Facility
*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!!
7 x EBITDA
Fast Moving Facility
Fast Moving Facility
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%.
Minimum loan is £5 million.
Fund Deploying
Fast Moving Facility
New Equity Funds
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.
New Equity Funds
New Equity Funds
New Equity Funds
*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
Business Funding
New Equity Funds
Business Funding
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
Equity
Senior Debt
Senior Debt
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.
Senior Debt
Senior Debt
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..
Bridging Finance
PAN European Fund
PAN European Fund
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.
PAN European Fund
PAN European Fund
PAN European Fund
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%
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