Introductions to institutional lenders and specialist funders, for buying, building, holding and refinancing. We know where the money sits, what each lender will and will not do, and how a case has to be put for it to get through credit.
Funding conversations succeed for two reasons: the borrower is in front of the right sort of lender, and that lender has been given what it needs to form an informed view. Both are settled before we approach a single lender.
Different requirements need different kinds of lender: pension and insurance-backed institutions writing large senior facilities against contracted income, Sharia-compliant bank finance, specialist credit funds for the complex and the time-critical, and short-term lenders for the deals that turn on speed. Most of them never advertise, and they price on how a deal is put together rather than from a rate card. Working out which of those a requirement belongs to, before anyone is approached, is most of the job.
Conventional and stretch facilities for buying, holding or refinancing sites, standing assets and portfolios. Stretch senior takes the leverage higher in a single loan from one lender, which often removes the need for mezzanine behind it. Where it does not, we arrange that too.
Short-dated secured funding from three months: a completion that has to be met before longer-term funding is in place, value crystallised on a planning consent, a development exit while finished units sell, or a refinance that cannot wait for a longer process.
Funding through construction and into exit. The work is both choosing lenders whose appetite fits the scheme and presenting the appraisal, programme and cost plan the way a credit committee expects to read them.
Terms of up to fifty years matched against long-income assets, the kind of paper a select number of institutions will write, and that needs the covenant behind it evidenced correctly.
Islamic finance for investment property, from acquisition through to refinance. A requirement that has to be Sharia-compliant is a different route from the outset, not an adjustment made later.
Where debt alone will not close the gap. That can mean an institutional partner taking a position alongside the facility, or a sequence rather than a single facility: bridging first, then refinancing onto long-term debt once the asset is stabilised or restructured.
We review the requirement with you: the asset, the numbers, the equity, the exit and the timetable. From that we agree the route that best fits what you are looking to do, and set it out in writing, including what we are being asked to raise and by when. If we do not think it is fundable as presented, you hear that here rather than three months later.
We match the requirement against live appetite. You see the shortlist and the reasoning before anyone is approached, and nothing goes out without your agreement.
The case is prepared and put to each lender in the form their credit team needs, and we stay in the middle of the conversation, testing terms against one another so you are choosing between offers rather than accepting one, and structuring the deal so the numbers still work on the full terms, not just the headline ones.
We run the process through valuation, due diligence and legals to drawdown, chasing the pieces that hold facilities up and keeping every party to the timetable.
What separates a facility that completes from one that stalls is usually the structure, not the headline rate.
Residential and mixed-use schemes, from site acquisition through to practical completion and exit, including the schemes that need a structure rather than simply a bigger loan.
Businesses whose value sits in the operation as much as the bricks: hotels and serviced apartments, the social sector, student accommodation, co-living and build to rent (BTR). The lender has to understand the trading covenant before it will price the asset, and where the income is long-dated and index-linked, the lease and nomination structure is what the funding turns on.
Buying single assets and portfolios, refinancing or releasing equity from what is already owned, and putting long-term debt in place against contracted income.
Debt alongside direct investment, structured so it sits sensibly with the rest of the portfolio.
Funding routes that turn a consented or promotable site into a delivered scheme without giving away the value in it.
There is no formal ceiling. The institutions we deal with write facilities from a few million to several hundred million, and what matters is which of them fits the asset, not how large the cheque can be. There is no formal minimum either. Tell us what you are looking to raise and we will tell you which part of the market it belongs in.
It depends on the facility. Bridging can complete in as little as seven days where the information is ready and the title is clean, and more usually runs to between two and six weeks. Longer-term debt works to a different clock: from a complete information pack to credit-backed terms is typically two to six weeks, and from terms to financial close another six to twelve, driven by legal and valuation timetables rather than by us. Development facilities and anything needing a new SPV structure sit at the longer end.
Broadly: who you are and what you have built before; what the asset is and what it is worth; what the money is for and how it is repaid. In practice that means a track record, a costed appraisal or business plan, a site or asset with a clear title position, evidence of the equity you are putting in, and, for income-producing assets, the leases or nomination agreements behind the cashflow. No track record does not rule you out. It narrows the list of lenders who will look, which makes getting that list right more important. If a piece is missing we will tell you before we go to market rather than after.
As a working range, 60 to 80 per cent of value. Where a particular facility sits in that range depends on what the money is for, the asset behind it and the strength of the income or covenant supporting it. Standing assets let on long leases to strong tenants sit at the top of the range. Development and transitional assets are read differently again, measured against cost as well as value, and the structure around the facility often moves the number as much as the asset itself does. It is worth talking through early, because it usually decides what the deal can afford.
No. GPO London introduces and structures; the money comes from third-party lenders and investors. We are not a lender, and we are not authorised or regulated by the Financial Conduct Authority. We act on commercial and investment transactions, not on lending to people buying their own home. Nothing on this site is financial advice, and you should take your own legal, tax and financial advice on any facility we introduce.
Yes. Nothing is circulated, named or shown to a lender without your agreement, and we will tell you who we intend to approach before we approach them.
Tell us what you are funding and how much you are looking to raise. Every enquiry is treated in confidence, and nothing is circulated without your agreement.
Tell us what you are funding and how much you are looking to raise. Every enquiry is treated in confidence and nothing is circulated without your agreement.