We lend to SME’s and property companies of all sizes. We lend with a hands on approach to benefit our Borrowers.
We ensure, where applicable, a charge over a borrower SPV (Special Purpose Vehicle) when a business loan and legal charges over property assets are in place the same way a mortgage lender secures their loan to a homebuyer.
We also take Personal Guarantees (“PG”) from the borrowers and all this can only be done once both the prospective borrowers and proposed security (“the property”) pass our lending criteria and credit application process.
On each loan we will physically visit the security assets and carry out meticulous due diligence which also assists with building relationships with our borrowers and reducing the risk of fraud.
Once funded we continue to consult and manage our loans by carrying out minimum of quarterly visits. In many cases these are monthly visits depending on the circumstances.