Debt Advisory

Providing premium debt and equity capital solutions for investment and development projects, Clifton Private Finance’s real estate debt advisory service manages the entire financing process from inception to drawdown and beyond.

We provide comprehensive advice and solutions on:

• Business Acquisition
• Bridging Loans
• Construction Projects
• Asset Refinancing
• Recapitalisation
• Equity Loans
• Equity Cash-Out
• Commercial Land Acquisition
• Preferred Equity
• Mezzanine Debt
• Senior Debt
• Real-Estate Debt 

What is Debt Advisory?

With a focus on business strategy and growth, company leaders are experts in their industries and have an unparalleled understanding of their business and its needs.

Funding, however, is its own specialised arena, and achieving the optimal financing solutions requires a high level of market knowledge, top-tier relationships, and comprehensive familiarity with the funding landscape.

By utilising Clifton Private Finance’s debt advisory service, business leaders have the opportunity to work with a specialist partner when navigating the debt market, gaining access to the full range of reliable funding options, and ultimately obtaining the investment capital required to achieve their expansion goals.

While traditional banks are able to provide strong financial support for many UK businesses of all sizes, inevitably, their products and services become limited and may not have the scope required to facilitate the innovative expansion and investment goals as businesses develop to need more demanding financial products and support.

Our debt advisory specialists are able to access this wider network of lenders and investors. With business relationships that are strengthened through regular contact and shared opportunities, our service is perfectly placed to support your business and help you achieve your funding requirements.

Why Use a Debt Advisory Specialist?

Collaborating with a debt advisory specialist will ensure that your business achieves the most beneficial comprehensive financing solution possible.

Our position in the funding sector is consolidated through established relationships with senior personnel in the wide range of suitable banks, lending platforms, and investors best placed to achieve our client’s business objectives. Our daily business means we are in continuous communication with these capital providers, keeping relationships fresh and our market knowledge current.

Our debt advisory service is independent. With no conflict of interest, our team and our partners work in complete alignment with our clients, exploring options from the whole market to compile solutions that optimise funding and present the best for both short-term and long-term financing. 

Real Estate Debt Advisory

Clifton Private Finance are specialists in the real estate sector. Our debt advisory service and that of our partners can provide equity solutions for investment and development projects throughout the UK and continental Europe, covering all real estate asset classes including commercial, industrial, and residential land and premises.

Capital Structure Solutions

Financing is available across the entire capital structure with a comprehensive range of funding options required for substantial development projects:

• Senior debt
• Mezzanine debt
• Bridging finance
• Equity capital

Understanding the management and structure of capital is essential to maximise funding options. We typically find that one debt option alone is rarely enough to provide the full financing required for a comprehensive development project - leveraging from the range of tailored products across multiple lenders mitigates lender and investor risk, resulting in a more stable capital structure.

Funding Property Development

With specific insights into the property development market, we can help your business secure the capital it requires for the acquisition of land and building construction, as well as to renovate or further develop existing properties.

We are experts in arranging development financing for offices, hotels, residential properties, and all income-producing assets. Options include:

• Acquisition loans
• Construction finance
• Bridging loans
• Refinancing
• Recapitalisation
• Equity cash-out
• Equity loans

Our team has helped real estate clients with their property development projects across the entire project lifecycle, from inception to completion:

• Securing early investment funding for entrepreneurs to develop and grow real estate businesses
• Raising loans on equity position secured solely against existing company equity
• Obtaining high-LTC construction loans for hotel development
• Sourcing finance to support and grow long-term property portfolios

Maximising LTC / LTV

A key factor in property development funding is loan-to-cost (LTC) and loan-to-value (LTV) ratios. Many development businesses struggle to secure funding at high LTC and LTV points, driving the need for additional dilutive investment capital and business equity.

Specialist refinancing options further improve funding over additional long-term projects, building on existing business equity for unparalleled stakeholder gains.

Additional Support

Working with our debt advisory team isn’t limited to raising capital to fund your project. Our comprehensive services mean we engage with every aspect of the project lifecycle, from inception to completion.

We and our partners offer value management at both the project and organisational level, ensuring that the goals of your company and its stakeholders are balanced with the resources needed to achieve them. 

A Europe-Wide Perspective

With high-value opportunities rising across both the UK and continental Europe, we understand the need for complete funding options that encompass the range of countries in both the UK and Eurozone. Our specialist expertise includes high-value completed projects in the following locations:

• England
• Scotland
• Italy
• Spain
• France
• Switzerland
• Netherlands
• Germany

Our relationships with global banks and financial institutions makes securing funding across borders an effortless proposition, while further specialist associations with regionally- and nationally-focussed capital providers increases the potential for engaged investment. 

Working with Us

Engaging with our debt advisory service presents your business with top tier financial expertise. Business owner and C-Level management enquiries are encouraged.

Where possible, businesses should present with full information and data regarding proposed funding projects, including historical debt information and complete business plan and cashflow analysis for the next five years. Early stage enquiries are also welcomed.

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