Frequently Asked Questions

Timelines vary by product. Bridging loans can complete in as little as 5-7 working days for time-critical opportunities. Development finance typically takes 2-4 weeks depending on project complexity. We work to expedite all applications while maintaining thorough due diligence.

LTV ratios depend on the finance type and security. Development finance can reach up to 95% LTC (Loan to Cost) when combining senior and mezzanine debt. Bridging finance typically offers 65-75% LTV. Stock-based loans can provide 50-80% of portfolio value. Each case is assessed individually based on the specific circumstances and security offered.

We operate on a success-only basis for most products, meaning we only charge a fee once your funding is successfully completed. Our fee is typically a percentage of the loan amount and is disclosed upfront. There are no upfront charges for our consultation or application processing services.

Security requirements vary by product. Property finance requires a charge over the property being developed or purchased. Stock-based loans use your investment portfolio as collateral. Asset-backed loans are secured against luxury assets like yachts or aircraft. Invoice finance uses your outstanding invoices as security. We assess each case individually.

Yes. While experience helps, first-time developers with solid projects can access development finance. Lenders consider factors including project viability, location, exit strategy, personal financial strength, and professional team involvement (architect, quantity surveyor, etc.). We work with lenders who specialize in supporting first-time developers.

Bank rejection is common for non-standard or complex financing needs. Our 300+ lender network includes specialist lenders and private institutions who assess applications differently from high-street banks. We focus on the asset value, project viability, and exit strategy rather than just credit scores and trading history.

Development finance interest is typically rolled up (added to the loan balance) and paid at exit when the development completes and sells, or refinances onto a mortgage. Some lenders offer serviced options where interest is paid monthly. Rates vary based on LTV, experience, location, and project type.

Requirements vary by finance type but commonly include: proof of identity, proof of address, bank statements, evidence of funds for deposit/costs, property valuations or appraisals, business plans (for corporate finance), and financial statements. For development finance, you'll also need planning permissions, build costs, and exit strategy details. We provide a full checklist specific to your application.

Yes. We arrange finance for projects across Europe, North America, Middle East, and Asia-Pacific. Our international network includes lenders familiar with cross-border transactions. Requirements and terms vary by jurisdiction, and we guide you through the specific considerations for international projects.

As independent brokers, we represent you, not the lender. We access rates and terms often unavailable to direct applicants due to our volume and relationships. We compare 300+ lenders to find the best fit for your specific needs, handle complex negotiations, and manage the application process end-to-end, saving you significant time and often securing better terms.

Credit requirements vary significantly by lender and product. While prime lenders prefer excellent credit, many specialist lenders focus on asset value and project viability over credit scores. Adverse credit history doesn't automatically disqualify you. We work with lenders who consider applications holistically, and can often find solutions even with past credit issues.

Terms vary by lender and product. Some bridging loans charge an early repayment fee if settled before the minimum term (typically 3-6 months). Development finance often allows early repayment without penalty. We always highlight exit terms upfront so there are no surprises, and negotiate favorable terms where possible.