©2018 by Boutique Capital Ltd.

BRIDGING FINANCE

A short term bridging loan is a fast and easy method of raising finance. In most cases this is typically used to purchase a property at speed, purchasing at an auction, refinancing another loan, refurbishments or to increase short term cash flow. Bridging is used when timing is essential and the borrower has a clear repayment exit strategy.


There are an ever increasing number of ways where short term bridging products are used to fund a client’s needs. We have an abundance of lenders to work from with the widest selection of rates in the market place. Our lenders can be mainstream or alternative avenues through our family office network, private banks, and high net worth individuals where we can attain the best solution to each requirement.

•  LTV up to 75% of valuation

•  Borrowing from £250,000 to £25,000,000

•  Terms 1 – 12 months 

•  1st and 2nd Charges available

•  All areas of UK covered

•  Lender fees and rates will vary depending on financials and background


The bridging market is extensive with many options out there in what is now a very competitive market place.


Please note that we do not charge client broker fees as we get paid directly from the lender when a loan completes.

Development Finance

Development finance is used for land purchases with planning for residential, commercial or mixed-use buildings. Lenders will base the loan amount upon its merits and take the developers history into consideration along with the security you are able to provide and the build costs involved. Repayment of development finance is likely to be from the proceeds of sale or subsequent refinance of the development.


Residential developments are all about location and demand when considering its funding options.  There are many options in the market where we scan all options to fit the developer’s needs locating the best option at that time.


With new build and planning in place development finance will be your best option which is usually an 18-24 month term where development finance covers both land purchase and building costs. This can range anything up to 70% LTGDV.


•  Up to 100% build costs

•  70% Loan to GDV

•  Borrowing from £1,000,000 to no upper limit

•  Terms typically 12-24 months

•  All areas of UK covered

•  Lender fees and rates will vary depending on financials and background


We have access to many specialist lenders where we are able to package your funding solutions at speed which will allow you to move quickly and start your project.


We do not charge broker fees but we do get paid directly from the lender when your loan completes

Mezzanine Finance

Mezzanine funding is usually deployed to plug the shortfall between debt and equity and can also be used to stretch a borrower’s equity.  This is not a cheap option in any way but if the numbers work it’s purely the risk profile of the lender within the transaction with residential mezz at a minimum 12%+ IRR.


•  Up to 90% LTV

•  Borrowing from £250,000 - £10,000,000

•  Terms 6-18 months

•  All areas covered

•  Our lenders have “Deeds of Priority” in place with several senior lenders

•  Lender fees and rates will vary depending on financials and background


We have access to many specialist lenders where we are able to package your funding solutions at speed which will allow you to move quickly and start your project.


We do not charge client fees as we do get paid directly from the lender when a loan completes

 

Commercial Finance

Commercial finance relates to the financing of commercial buildings, such as offices, occupied by the business owner or let to another tenant. This could consist of mixed use buildings with some residential and commercial together.


Commercial finance is used to fund the purchase or re-finance of the property and the factors a lender will take into account are varied and will depend on whether the borrower intends to occupy the property or not.


•  LTV up to 75%

•  Borrowing from £50,000 – £50,000,000

•  Adverse credit options

•  All areas of UK covered

•  Lender fees and rates will vary depending on financials and background


Finding the right finance for your business premises means that interest costs and required cash deposits are kept to a minimum, whilst at the same time giving you the flexibility to pay down the amount borrowed as and when cash flow permits, with minimal or no penalties. Clients can rely on us to meet these needs and benefit from both our experience and contacts with a vast variety of lenders, including challenger banks offering an alternative to high street lenders.


We will follow the process right through from initial enquiry to loan completion, taking the time to understand your circumstances and goals before sourcing the best funding available.


We do not charge client broker fees as we get paid directly from the lender when a loan completes.

VAT Finance

VAT on a commercial property purchase is a major consideration when purchasing. Many lenders  will not usually offer loans over 60% LTV which means that 40% in equity is required, as well as standard acquisition costs ranging from between 5 – 7%.


On top of these outlays, the purchaser has to provide a further 20% for the VAT, payable on completion. This additional, sometimes overlooked, cost can pose a significant problem – which jeopardises the deal.


Although the VAT is later recovered from HMRC, reclaiming the money can take up to three or four months, devastating cash flow for the buyer.

•  A total managed solution for funding and recovery of VAT.

•  Advances up to 100% of VAT due.

•  Simple application process with same day offers.

•  Fast completions.

•  VAT recovery managed to reduce interest costs.

•  Loans From £50k - £5m plus

Joint Venture Finance (EQUITY)

We have private and equity specialists that can provide Joint Venture finance which may allow you to purchase sites you may not have the opportunity to buy and develop.


In usual circumstance a JV partner will input all the equity on top of the development finance to create 100% of costs.


In most circumstances an equity partner will expect between 40% to 70% of the development profit depending on the overall circumstances and risk along with the developers experience.


Arranging equity can be a great benefit to any developer obviously as this allows them to build more whilst still carrying their brand. We have equity partners always looking for mixed scheme residential developments of all sizes throughout the country.


Each deal is obviously different and a structure can be created and tailored allowing both parties their desired return.


•  100% of required equity input up to £10,000,000

•  Previous development experience required


We do not charge client fees as we do get paid fees directly from the funder when a loan completes