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SPECIAL & DISTRESSED SITUATION FINANCING

Real Estate, Business, Corporate

(Any Purpose - Any Amount - Any Background)

SPECIAL & DISTRESSED SITUATION FINANCING

Real Estate, Business, Corporate

(Any Purpose - Any Amount - Any Background)

“A special situation in finance is an atypical situation, which has either already impacted or have potential to alter the future course. It materially impacting the value & growth. This covers any of the following situation”

We provide funding for

  • Any Adverse Background
  • Any Legal Settlement
  • Any Specialist SPV Re-Structuring
  • Distressed, Rescue or Turnaround Situation
  • Complex Collateral
  • Cross Border Financing 

What makes Esteema Capital Partner ‘DIFFERENT?

  • Distressed situation Financing Expert
  • One-Stop Solution: Financing, Legal & Taxation Structuring
  • Syndicate Funding Structure: Lending & Financing
  • End to End Funding Structure: Senior Debt, Mezzanine, JV & Equity
  • Exceptional Pool of Funding Line – No Upper Limit
  • Credit Line Set-Up: Revolving & Growing credit line set up
  • Expert & 360º Credit Risk Mitigation Underwriting Team for assured success.
  • Direct investment & development opportunities to the investors
  • Direct investment & development opportunities to the investors

Special situation financing is a very complex restructuring procedure, which needs expertise in creative financial engineering, corporate & legal structuring and specialist capital market access for flexible funding for the special & bespoke need.

These funding strategies usually need a series of corrective steps to turnaround the financial situation.

Good news is that our unparallel specialities helped numerous situation, where traditional finance can not compete with.

 

Esteema Distressed Situation Financing

Traditional Financing
✓ Any Purpose Finance Purchase, New Built, Investment
M&A, Restructure etc
No
✓ Any Type FinanceShort Term, Medium-term ,Long-Term Loan No
✓ Any type of HospitalityYesNo
✓ Any Borrower (UK & International)YesNo
✓ ANY SPV (UK or Offshore)YesNo
✓ Any Location (UK or Globally)YesNo
✓ Multi-Currency & Cross Border FundingYesNo
✓ Loan SizeNo Upper LimitVery Restricted
✓ LeverageUp to 70% Very Restricted
✓ Interest Ratefrom 1.75% +From 4%+ onward
✓ Bespoke & Flexible Terms YesNo

Key Factors Affecting Special & Distressed Situation Financing

Borrower Profile

✓ Personal & Business profile
✓ A & L & Income profile
✓ Guarantor Profile ( if any)
✓ SPV Structure & Location

Collateral Profile

✓ Real Estate / Business Premises Valuation
✓ Business Going -Concern Valuation
✓ Additional collateral valuation
✓ Tenancy / Covenant lease terms, if any

Financial

✓ Past Accounts (Personal & Business)
✓ Assets & Liability  / Income profile
✓ Projected P&L, cashflow
✓ Projected covenant terms

 

Special & Distressed Situation Finance Guide

Special & Distressed Situation Finance Documents

Following are the standard documents subject to the purpose of the finance

BORROWER INFORMATION 

  • KYC: ID, Address proof, Personal & Professional profile about the hotel industry experience, Credit report for all the Borrower, Director, Partners & Major Shareholders
  • Borrowing  Structure:  Personal /Partnership/Corporate structure full detail & flow chart, Directors, Shareholders, UBO, and registered address
  • Money Laundering Documents: Assets & Liability Statements, Income & Expenditures Statements, Equity (deposit) proof

COLLATERAL INFORMATION 

  • Collateral: Full descriptions, brochure, valuation report (if available),
  • Operation / Business Profile:
    • Operator (self-operation or management, full details & terms conditions) or
    • Rental ( Tenancy profile, experience detail, financial strength/profile )
  • Financial:
    • As an owned business/ operator: Past Operating accounts, Projected Accounts & Cashflow for new built / expansion or restructuring.
    • As an investor:  Tenant Operator profile, experience, team, financial Strength & accounts, Projected Accounts & Cashflow for new built / expansion or restructuring. Lease terms/break clause
  • Purpose:  Purchase, Refinance, Restructure, Investments, Developments, Business purpose, Refurbishments

Special & Distressed Situation Finance FAQ?

How much can I borrow?

This really does depend on the many factors as per the key factor affecting the special situation finance. But in summary, most lender’s decision is based on the experience of the proprietors; security value; track record; business performance, affordability and a good business plan. If strong on all these criteria, we can help with up to 100% financing ( with additional collateral) on very competitive rates is achievable.

 

Can I borrow with an adverse credit report?

Yes, you can. Whilst it is not ideal, we will look to understand your personal & business, overall circumstances and your credit record and advise on the funding options open to you. We would strongly advise to inform us of any outstanding creditors, CCJs, arrears etc at the outset as this can save time, avoid unnecessary costs during the loan application process and position ourselves to place you with the right lender.

 

 I am a first-time business owners/investor. Can I get finance?

Yes, we can help you to get finance even with no experience. We will advise you for the smooth financing procedure.

 

Can I get the finance for a closed business with no trading historical accounts?

Yes, we can help you to get the finance even with no historical accounts & experience. We will advise you for the smooth financing procedure for such an acquisition.

 

 

Hotel & Leisure Finance Costs

Completion Timeframe

We provide initial terms within 48 hours and can complete the Hotel & Leisure Finance in 6-8 weeks, subject to providing satisfactory documentation, Valuation and legal on time.

Special & Distressed Situation Finance Costs

The following costs should be considered at the time of availing the Special & Distressed Situation Finance:

  • Arrangement Fee: The arrangement fee or the facility fee, is usually charged by the lender as a set-up fee for the loan
  • Exit Fee: The fee is payable to the lender when repaying the loan
  • Broker Fees: These are the fees payable to the Broker for finding the best lenders and managing the application to completion
  • Valuation Fees: This is the fee that has to be paid to the valuer, who shall be instructed by the lender to furnish a report on the collateral/project
  • Legal Fee: Usually, the borrower would have to pay the legal fee for their own solicitors as well as the lender’s solicitors fee

Completion Timeframe

We always aim to bespoke the ‘Financing Time Plan and Finance T & C, to meet the individual requirement. Our standard indicative timeframe :

  • Initial Finance Terms: We usually provide Initial Finance Terms within 24-48 hours.
  • Emergency Finance:  We can complete the finance within 48 hours in case of any emergency or distressing situation.
  • Standard Finance:   We usually complete Standard Finance within 6-8 weeks.

Notes: Financing time frame & Finance T &C are always subject to providing all satisfactory documentation, full credit underwriting,  valuation and legal.

Jargon Buster

Please refer to the Knowledge Bank section for more information

Esteema Syndicate & Structured Financing Expertise provides the complete peace of mind. Please contact us in confidence for

‘Quick Decision – Quick Financing’

Contact us

Please send us the ‘DETAILED INFORMATION’  for the ‘Quick Decision & Quick Financing’

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