skip to Main Content

UK INVESTMENT FINANCE

Real Estates, Businesses, Corporates

(Any Purpose - Any Amount - Any Background)

UK INVESTMENT FINANCE

Real Estates, Businesses, Corporates

(Any Purpose - Any Amount - Any Background)

“UK Investments are the always best investment opportunities both for capital safety, Income and also for capital appreciation.
Esteema ‘UK Investment finance’ provides high leverage finance, JV & Investments structure as an excellent catalyst to build the business in “. We are specialist in 

Real Estate Income Assets: Residential, Commercial, Mixed, Hotels & Leisure, Shopping Centres etc.

Real Estate Developments: New Built, Developments, Refurbishments, & Conversion etc

Business Investments: Healthcare, Hotels & Leisure’s, Financial Services, Manufacturing & Warehousing, IT Sector, Retails & Wholesaling etc.

What makes Esteema Capital Partner ‘DIFFERENT’?

  • 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

UK Investments & Financing is a very complex procedure for any international investor because of various financial regulation by the UK regulator. It needs exceptional expertise in

  • Real Estate & Corporate Industry,
  • Financing & Legal Structuring,
  • Global Capital Market Access
  • Credit Risk Mitigation Underwriting

We, at esteema, are proud to inform that our exceptional expertise has helped numerous investors where traditional finance can not compete with.

We offer 

  • Distressed Real Estate Investments & Development opportunities:  for direct or indirect investments as an investor, lender, equity partners, JV investor etc.
  • Investment Choice:  Wider choice in real estate ( residential, commercial, hotels etc ) and location.
  • Financing Management: for leveraging & low-cost funding with our UK & Global Funding partners for maximized the return on investments.
  • Credit Line Management: for quick acquisition at discounted prices to maximize the profit.
  • Growth Strategies: with the combination of financing & Investment optimization of Debt, JV & Equity.
  • Investment Strategies: Debt, JV & Equity mixed for new acquisition and development for a better return.
  • Real Estate Portfolio Financing Management: Consistent return with regular financing structuring.
  • SPV Strategies: Financing friendly & taxation minimization planning

Esteema UK lnvestment Finance

Traditional Financing
✓ Any Sector Real Estate , Business & Corporate No
✓ Any PurposePurchase, Refinance, Re-Structure No
Any Borrower UK & InternationalNo
✓ Any SPV UK or OffshoreNo
✓ Any Location UK or Globally (Selected location) No
✓ Multi-Currency & Cross Border Funding YesNo
✓ Loan SizeNo Upper LimitVery Restricted
✓ LeverageUp to 75% Very Restricted
✓ Interest Ratefrom 2.0% +From 5%+ onward
✓ Special Situation Adverse background

Esteema Special Pricing for the International Investors

Small Investment Finance

(Less Than £5M)

Rates from:
3.0% PA

Up-To
70% Loan to Value

Large Investment Finance

( More Than £5M)

Rates from:
2.0% PA

Up-To
65% of Loan to Value

Business Finance

( Any Amount)

Rates from:
3.0% PA

Up-To
80% Loan to Value

Key Factors Affecting UK Investment Financing?

Investor Profile

  • Personal & Business profile
  • Professional Team Profile
  • Experience & Track Record
  • Borrower A & L, Income profile
  • SPV Structure & Location

Collateral Profile

  • Investment Category
    (Real Estate / Business)
  • Location, Demand
  • Sales & Rental Demand
  • Covenant Type / Terms?

Financial

  • Investments Value / LTV
  • Investments Potential Net Income
  • Projected P&L, Forecast
  • Covenant Financial Strength
  • Lease T & C.

UK Investment Finance Guide

UK Investment Finance Documents

Following are the standard documents subject to the purpose of the finance ( Investment or Business)

BORROWER INFORMATION 

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

COLLATERAL INFORMATION 

  1. Collateral: Full descriptions, brochure, valuation report (if available),
  2. Operation Profile:
    • Operator (self-operation or management, full details & terms conditions) or
    • Rental ( Tenancy profile, experience detail, financial strength/profile )
  3. 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
  4. Purpose:  Purchase, Refinance, Restructure, Investments, Developments, Business purpose, Refurbishments

 

BUSINESS PLAN: Business plan to provide the following key information, for business finance 

Executive Summary of the current business 

  1. Company Description
  2. Market & Competitive Analysis.
  3. Description of Management and Organization
  4. Breakdown of Your Products and Services.
  5. Past accounts, P&L and income profile
  6. SWOT analysis

Executive Summary of your proposed finance requirement 

  1. Finance: Purpose of the proposed finance requirement, Amount, period, repayment strategy
  2. Projected P & L,  business forecast.
  3. Collateral: proposed collateral & guarantor, to support finance.
  4. Projected SPV & Management Structure  ( for any new acquisition, expansion, restructuring etc)
  5. Risk Mitigation Strategy: for any downfall
  6. Projected SWOT analysis

UK Investment Finance Criteria

How much can I borrow?

We can finance any ticket size. There is no upper limit for us to provide finance. Finance limit depends on the many factors as per the key factor listed. 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, 100% financing 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 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 operate in multiple locations.  Can I get the multicurrency finance?.

Yes, we can help you to get finance in most major currencies.

 

Can I get the finance to build the new premises for the business/corporate?

Yes, we can help you to get finance even with no building experience. We will advise you for the smooth financing procedure for the new build/expansion etc.

 

Can I get the finance for a closed SMEs  / corporate 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.

UK Investment Finance Costs

The following costs should be considered at the time of availing the UK Investment 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’

    Back To Top