Mayfair, London
Property finance at the speed of opportunity.
Bridging loans from £5m to £25m, up to 90% LTV, with funds in as little as 5 working days.
£5m to £25m
Loan size
Up to 90%
Loan to value
24 hours
Indicative terms
5 days
Funds released in as little as
Indicative terms
Model your facility in a minute.
Interest for 12 months is deducted from the loan on drawdown. No monthly payment, but less cash on day one. Unused retained interest is refunded on early redemption, subject to the make-whole period.
Summary
Loan to value, gross
60.0%
Monthly rate
from 1.00%
- Gross loan
- £12,000,000
- Arrangement fee, 2%
- £240,000
- Retained interest for the term, 12 months
- £1,440,000
- Net day one advance, after fee and retention
- £10,320,000
- Net advance as a share of property value
- 51.6%
- Monthly interest payment
- None
- Minimum total cost, 6 month make-whole period
- £960,000
- Total cost of finance
- £1,680,000
There is no monthly payment during the retained period.
An illustration only, not an offer of finance. Terms are subject to valuation, legal due diligence and credit approval.
Loan to value is measured on the gross loan, including any retained interest and before the arrangement fee. Interest is calculated on a 360-day year.
Why Clivedale Capital
A private office approach to short-term lending.
Interest serviced or retained, your choice
Pay monthly, or have the interest deducted on drawdown so there is no monthly payment during the term. Decided at the outset, and modelled on our calculator.
Developers ourselves, so we understand value
We have built and held property. We read a scheme, a title and an exit the way an owner does.
Discretion as standard
Sensitive situations are handled quietly. We do not publicise our borrowers or their transactions.
Use cases
Where a bridge does the work no other facility can.
Short-term loans secured on UK residential and commercial property, for companies, SPVs, trusts, investors and developers.
Acquisition
Secure an asset at pace, including off-market opportunities and auction purchases with fixed completion dates.
Development exit
Repay a development facility on practical completion and give the sales programme room to breathe.
Refinance
Replace a maturing facility, or a failed lender's facility.
Planning uplift
Fund the hold period while consent is pursued, then exit on sale or term finance.
Refurbishment and conversion
Back works that reposition an asset, from heavy refurbishment to change of use.
Chain break
For investors, bridge a broken chain so a purchase completes on the agreed date.
Partner or shareholder buyout
Fund one party out of a jointly held asset or company, with an exit on refinance or sale.
Business purpose capital raise
Release equity from an unencumbered or lightly geared investment asset for business use.
Tax or liability deadline
Meet a dated obligation, such as a tax bill, a probate settlement or a corporate liability, against property.
Part complete asset purchase
Acquire a stalled or part complete scheme. We lend on completed and part complete assets, not on construction risk.
How it works
Four steps, measured in days.
01
Enquiry
Send us the asset, the amount and the exit. A short call is often enough.
02
Indicative terms in 24 hours
Written terms setting out amount, rate, fees and conditions.
03
Valuation and legal in parallel
We instruct together rather than in sequence to protect the timetable.
04
Funds released
Completion on the agreed date, in as little as 5 working days on straightforward cases.
Criteria
Ask about our criteria.
Brokers
Bring us the case. We will give you an answer today.
We work with brokers, private banks, family offices, lawyers and agents. We usually pay brokers 1% of the loan amount, on completion, and you keep the relationship.
Enquiries
Tell us about the asset and the deadline.
Indicative terms within 24 hours.