Quick Loans and
Debt Finance Specialists

Fast service for both smallest and extremely large loans from niche private and large alternative lenders. Widest and deepest expertise and industry relations in quick private direct credit markets, especially from non-bank quick credit sources with proven money-in-the bank profiles. We are also for making the process of obtaining the loan as simple and easy as possible

98% 98% cases
approved

0,43% Rates from
0,43%

90% Up to 90% of
purchase price

24h Terms in 24
hours

    How much would you like to borrow?


    £100 000
    £100 000 000

    1 Month
    60 Month

    £100 000
    £100 000 000

    1 Month
    60 Month

    Fastest UK/European Property
    and Commercial Finance

    property-1

    The highest level
    of service

    Customers who come to us with a need to borrow also see a patient and friendly approach when we listen and spend time in order to understand the needs of our customers.

    property-2

    Whole market
    approach

    More than 300 quick private direct lenders, including niche family offices and private individual lenders that lend quickly and in flexible manner with money-in-the-bank profiles.

    property-3

    Widest deal
    size range

    We are equally strong with quick smaller loans (£100k-£10m), fast medium size loans (£10m-100m) and speedy very large loans (£100m-£3bn). More than £3bn deals closed.

    property-4

    Fastest execution

    Working with some of the quickest lenders in the market: 24-hour to term sheets and sometimes 48-72 hours to completions and money transferred for the needs of the project.

    property-5

    Highest LTV

    In the UK, up to 90% of purchase price / 100% refurbishment / extension costs covered. Different metrics apply for properties in other countries.

    property-6

    Affordable

    In the UK, monthly interest rates could be as low as 0.43% (5.16% APR and additional fees apply) for bridging deals and could be lower for development and term deals.

    property-7

    Overseas and local customers accepted

    We do only unregulated quick loans for either corporate borrowers or for individuals for business/investment purposes from money-rich lenders.

    property-8

    Top investment
    bankers

    Team of top ex-investment bankers and private debt lenders with track record of more than £3bn in deals closed. We assist throughout the loan application.

    property-9

    All types of
    collateral

    All types of real estate / liquid financial assets (shares, bonds, ETFs, cryptocurrency) / luxury items collateral (jewellery, fine art, rare wine collections etc) / corporate receivables / debtor book or stock.

    property-1

    The highest level
    of service

    Customers who come to us with a need to borrow also see a patient and friendly approach when we listen and spend time in order to understand the needs of our customers.

    property-2

    Whole market
    approach

    More than 300 quick private direct lenders, including niche family offices and private individual lenders that lend quickly and in flexible manner with money-in-the-bank profiles.

    property-3

    Widest deal
    size range

    We are equally strong with quick smaller loans (£100k-£10m), fast medium size loans (£10m-100m) and speedy very large loans (£100m-£3bn). More than £3bn deals closed.

    property-4

    Fastest execution

    Working with some of the quickest lenders in the market: 24-hour to term sheets and sometimes 48-72 hours to completions and money transferred for the needs of the project.

    property-5

    Highest LTV

    In the UK, up to 90% of purchase price / 100% refurbishment / extension costs covered. Different metrics apply for properties in other countries.

    property-6

    Affordable

    In the UK, monthly interest rates could be as low as 0.43% (5.16% APR and additional fees apply) for bridging deals and could be lower for development and term deals.

    property-7

    Overseas and local customers accepted

    We do only unregulated quick loans for either corporate borrowers or for individuals for business/investment purposes from money-rich lenders.

    property-8

    Top investment
    bankers

    Team of top ex-investment bankers and private debt lenders with track record of more than £3bn in deals closed. We assist throughout the loan application.

    property-9

    All types of
    collateral

    All types of real estate / liquid financial assets (shares, bonds, ETFs, cryptocurrency) / luxury items collateral (jewellery, fine art, rare wine collections etc) / corporate receivables / debtor book or stock.

    Need Funding?

    Our Loans

    Speedy loans is our main strength with real estate quick loans being the core business. To deliver the most rapid solutions, we work with more than 300 quick alternative lenders with varying degrees of focus and investment criteria and proven money-in-the-bank profile, including:

    Fastest loans 1

    Real estate fast loans

    Quick loans against UK and European real estate. For sizable (above $20m) transactions, we could also help with fast loans against real estate in the US, Canada, Singapore, Australia and New Zealand. The loans may include bridge loans, development loans, term loans or transition loans. APRs (or interest rates) and fees depend on the term, lender criteria, borrower profile and leverage level. We apply the highest standard of diligence reviewing each case based on number of metrics and we check completeness of information.

    Fast loans 1

    Depending on money invested from the Borrower, deal circumstances and number of other criteria, we could stretch the borrowing to the highest possible levels (up to 90% loan-to-cost). Representative transactions include bridging deals against land, residential assets, commercial assets, auction financing, portfolio acquisitions, stretched senior development loans etc. In number of circumstances, we have also helped customers whom other lenders let down and we acted quickly to fund the deal. Please note, lender criteria differ in each country and sometimes within the country differs according to the region

    Quick loan

    Quick credit against liquid securities or financial assets

    Fast loans against liquid financial assets, like shares, bonds (only public, not privately placed), ETFs/ETSs (exchange traded funds/securities), mutual funds, currencies, liquid derivative instruments (ETDs) and cryptocurrency (only large and liquid ones like Bitcoin, Bitcoin cash, XRP, Ethereum, GYEN). APRs (or interest rates) and fees depend on the term, lender criteria, borrower profile and leverage level. Shares could be trading in any recognised exchange globally. Loans may be short-term bridge loans or longer-term loans.

    Rapid loan 1

    Lender criteria includes accepting various financial and for shares traded in exotic exchanges also, traded for instance in Asia, Latin America, Middle East, Eastern Europe/FSU, Western Europe, US, Canada and Africa. Because we work with quick alternative financial lenders (and not with private banking/wealth management firms) single-stock loans are possible and LTVs are usually higher than private banks, depending on application, number of criteria and cash flow needs. Minimum loan size: $2m. Loans could be from 1 month to 60 months.

    Urgent loan 1

    Fast loans against luxury assets

    Including gold, jewellery, fine art, rare wine collection, gemstones, collectable violines, expensive cars, luxury watches and so on. Loans could be short-term or long-term, depending on customer’s cash flow needs and lender criteria. Minimum loan size of $1m.

    Fastest loans 2

    We could also help with loans against private jets and private yachts and minimum loan sizes will be $10m, depending on the application. Lenders with proven money-in-the-bank profiles and high ethical standards. We support the loan throughout the application process and check thoroughly all details to make sure the application is successful. Loans could be from 1 month to 60 months or longer.

    Urgent loan 4

    Quick loans against bank and insurance company guarantees

    In sizable transactions (above $10m), we could also help with funding against bank or insurance firm guarantees. Not every bank or insurance company is accepted.

    Fast loans 2

    Banks must have at least one of Big Three (Moody’s, S&P and Fitch) rating agency reports. In emerging markets, the preference is for state-owned banks. We do not apply any minimum credit rating criteria but review the bank or insurance company’s credit profile in its totality.

    Quick loan 2

    Rapid corporate asset-backed loans and trade finance/LBO loans

    For only Western European, US/Canada, Australia/New Zealand, Singaporean corporates, that have assets like receivables, stock, invoices, trade LCs, we could help in unlocking fast financing based on these assets. Smallest deal size we apply for is $5m. We could also help in leveraged buy-out transaction (LBO) to both private equity funds and other acquirers as long as the Sponsor is investing some money. We usually do not interact in 100% debt funding deals. The business acquirer must put down their own money.

    Rapid loan

    For only Western European, US/Canada, Australia/New Zealand, Singaporean corporates, that have assets like receivables, stock, invoices, trade LCs, we could help in unlocking fast financing based on these assets. Smallest deal size we apply for is $5m. We could also help in leveraged buy-out transaction (LBO) to both private equity funds and other acquirers as long as the Sponsor is investing some money. We usually do not interact in 100% debt funding deals. The business acquirer must put down their own money.

    Case Studies
    Urgent loan 2
    Overseas client, acquiring portfolio of residential assets

    Budget:

    £1 000 000

    DElivery:

    Under 1 week

    Fastest loans 3
    Forest development site financing

    Budget:

    £600 000

    DElivery:

    3 working days

    Fast loans 3
    Bridge to development of large urban development project

    Budget:

    €250 000 000

    DElivery:

    Confidential

    Quick loan 3
    Luxury mansion in London

    Budget:

    £8 000 000

    DElivery:

    Confidential

    Rapid loan 3
    Financed retirement home acquisition and development (80% LTC)

    Budget:

    £1 300 000

    DElivery:

    Confidential

    Urgent loan 2
    PBSA development loan (debt + equity: 98% LTC)

    Budget:

    £15 000 000

    DElivery:

    Confidential

    Fastest loans 4
    Financed HMO conversion deal, covering 90% of cost

    Budget:

    £500 000

    DElivery:

    Confidential

    Fast loans 4
    Land acquisition deal financing

    Budget:

    £1 000 000

    DElivery:

    2 weeks

    Quick loan 4
    Exit of student project financing (75% LTV)

    Budget:

    £7 000 000

    DElivery:

    Confidential

    Rapid loan 4
    Second-charge bridge on building development site

    Budget:

    £315 000

    DElivery:

    Confidential

    Urgent loan
    Industrial asset with development cost financing

    Budget:

    £4 800 000

    DElivery:

    Confidential

    Loan Process

    This is easy!

    Step 1

    Contact us by filling an easy and short form, including your details and your funding needs, your email address and your telephone number. We strive to provide instant response (depending on work hours and staff availability). The form will only take couple of minutes

    Step 2

    One of our representatives contacts you and a short call is scheduled. During the call we try to understand thoroughly your funding needs. We collect necessary information about the asset and you and the project needs. Usually, these calls take around 30 minutes

    Step 3

    Once all information is collected, we contact our panel of lenders, submit the application on your behalf and decision is achieved

    Step 4

    Deal executed, funds received!

    suсcess
    Get started now and receive terms for your deal in 24 hours!
    Request loan terms

    Frequently Asked Questions

    Yes, we have helped many borrowers with bad credit history, former bankruptcies or other circumstances in their background which may adversely affect the borrower’s credit application. We encourage our clients to be honest and upfront about their circumstances because this way we could source the lenders which will take a more flexible approach to such circumstance.

    Once you send us your short enquiry forms, one of our representatives contacts you (we will try to provide instant response) to understand your circumstances and reasons for bad credit history. If the lender discovers adverse credit event in the client’s background once the application has gone in it may affect the application badly rather than in occasions when we explain the lender your circumstances and provide information on potential remedy measures that the borrower is planning to take.

    In addition, because we deal with alternative asset-based lenders, the most important factor for them is the quality, value and liquidity of the collateral and they also look at the funding needs and repayment options.

    What marks us out of other finance advisors is that we have a large investor base of lenders who will consider all circumstances when deciding whether to lend. Bad credit history sometimes could be circumstantial and outdated which would be beneficial to be explained to the lender. We will take the time to consider your circumstances and work hard to help with sourcing a suitable loan with manageable repayment options.

    Yes. Arranging fast loans for overseas clients is one of our strengths and we made the process as easy as possible. Borrowers of any age and country or residence of origin could qualify for a loan if they are over the age of 18 at the time of applying and provide a collateral acceptable to the lenders. Very often borrowers are advised to borrow through a corporate entity. Depending on the needs of the project, an appropriate structure could be created. When one of our representatives contacts you, please do explain your nationality and residence status. We will strive to provide instant advice with regards to the process of obtaining the loan.
    Speed of action and easy process are our strengths. Once you spend a few minutes to fill up the enquiry form, we contact you instantly to organise a call. Then, depending on the circumstances of the client (and market conditions) we will strive to action the deal as quickly as we can. We have experience in closing real estate and other transactions as fast as 48-72 hours. The process is easy because we help to package the deal for you and lenders provide quick response to us.
    Everything depends on circumstances and purposes of the loan. Identifying the exit for the loan, affordability and repayment profile is one of key analytical reviews we do. Some loans are returned through sale of an asset, some through refinance and some through cashflows. Before the loan offer stage, we explain the lender all the details of repayment. In most of short-term loan cases customer pay back the loan at the end of loan period.

    Advising on debt transactions is the only focus business area for us. The firm has existed for 10 years, closed a large volume of deals and developed relations with around 300 alternative lending organisations. This provides us a few advantages:

    • Whole market view, optimises terms, APRs (pricing of the deal), repayment conditions and other criteria;
    • We also only act on behalf of the Borrower and can negotiate deals which will not be possible through a direct approach;
    • We monitor the deal throughout the process and make sure that Client is offered the best service.
    We work equally well with both the largest and the smallest lenders, which gives us an edge over most of competitors. Also because we put to them a good volume of business, we recommend to them to provide us instant response. We can arrange loans as small as £50k and as large as £2-3bn.

    Cost of a loan depends on many factors, such as government refinancing rate, repayment profile, Borrower credit history and net worth, Borrower country of origin/ residence and track-record, liquidity of the collateral, LTV/LTC, tenor/term of the loan, likelihood of exit, repayments schedule and speed of execution.

    For each circumstance, we will try to make the loan cost as affordable as possible for the Client who borrows.

    Yes, but early repayment or make-whole provisions may apply in select circumstances. Our representative could explain details at pre-application level and check adherence to lender criteria.
    A payday loan is a short-term personal loan that can help a borrower cover immediate cash needs until he gets his next paycheck. Payday loans are typically small personal loans and carry a high cost and payments are due in less than a month —or close to your next payday. A payday loan is typically unsecured personal loans. A bridge loan is a much larger loan to a corporate entity rather than personal, secured against real estate or other assets, provided for periods of 1 month to 18 months (sometimes longer) and is usually lent to corporate entities. We do not work with payday personal loans.
    Most bridge loans are bullet repayment transactions. For development loans repayments usually take place upon gradual sale of flats. Term loans could be as interest-only but also offer equal periodic repayments.
    If a short-term loan is obtained and the exit is refinance to a longer-term financing, we offer help in your refinancing efforts. With due follow-up of the loan progress, we will start working early on to offer refinancing terms well in advance to current loan due date.
    Typically lender go through two stages of decision making. Stage 1 involves conceptual decision to proceed on the deal, based on information gathered by their investment team and Stage involves final decision to proceed based on third party due diligence reports like valuation, quantitative surveyor report and legal report. In real estate, a legal report is always a must and valuation is often present.
    For the most optimal real estate loan terms in the UK (European and US timings differ), it is better to allow at least 21 days before loan is granted and 60 days (around 2 months) for development loans and 48 days for term loans. Next 1-2 day lenders we do have and we have done those, but next day loans will be very expensive, because the lender knows that the borrower is under pressure to perform. We use these lenders only in extreme circumstance. In addition, with Covid things became much slower due to valuations and legal process.
    We recommend using a separate account to service the debt. Typically, for the purposes of acquiring a property and borrowing for this property a special purpose company (SPV or SPC) is created. For this company, a separate bank account is opened and the loan is transferred through solicitors to this account or sometimes directly to the vendor’s or contractor’s account (often the case in development loans). In the future, when you want to refinance this loan, you can use the same account for the future loan. You could also use this Company account to receive rental income and from there service the debt management account.
    Prior to submitting the case to lenders, we conduct an initial review on the viability of the project. Real estate lenders usually conduct initial due diligence on customer’s background, project viability and collateral value themselves. At later stages third-party advisors conduct more thorough valuation and due diligence on the project and the Borrower.
    In the UK, the Coronavirus Business Interruption Loan Scheme (CBILS) and Bounce Back Loan Scheme (BBLS) were designed to provide financial support to smaller businesses across the UK that were losing revenue, and seeing their cashflow disrupted, as a result of the COVID-19 outbreak. CBILS closed for new applications on 31 March 2021. We worked with CBILS registered providers on both business loan and real estate development exit loans. Recovery Loan Scheme (RLS) replaced CBILS/BBLS schemes and is providing support for recovery from consequence of Coronavirus to the business. We work with number of RLS providers on loans up to £10m. Registered providers have also their own criteria for approving a customer. So meeting the criteria of RLS registered provider needs to be checked on case-by-case basis.

    Yes, the best solution for this is a bridge loan (or “bridging loan”), which can be useful if you need to borrow money for a short period. It can help to ‘bridge the gap’ if you want to buy a new home before selling your old one.

    Bridge loans can also be used if you buy a property at auction, where you’ll need the money immediately but may not have sold your current home yet.

    In most of cases when a property is owned by a corporate entity, ultimate beneficial owner (UBO) also acts as a guarantor for the loan (especially true for development loans). In the cases of bank-guaranteed loans (often the case for clients in emerging markets), that bank acts as a guarantor for the loan. In some circumstances, a family member could act as a guarantor for the loan.
    Most of lenders credit committees and boards with ultimate authority to approve the loans. Within credit committee, typically approval authority is distributed between members responsible for credit risks, but also compliance risks.

      If you have any further questions

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