Bridging Finance – Development Finance – Commercial Finance – Senior Loans

Platinum Global Bridging Finance offers Real Estate Debt Finance which is unique and makes us different from other brokers in the types and location of financing we provide. With over 15  successive years in the financial markets we have seen and worked through the last financial crash and seen the re-emergence of old and new finance products so we are sure we can provide our clients with the most up to date financing knowledge. We specialise in providing small, medium and large bridging finance, development finance and commercial finance deals. Our flexible approach is down to our network of banks, non-bank lenders, high net worth investors, investment funds and private bridging partners based in the UK and around the world. Our specialism doesn’t stop with international bridging finance as we work with many Debt Funding, Capital Raising and JV Companies based in the UK, Europe and the rest of the world. We help companies raise capital for a variety of sale, expansion and merger uses. We also work with specialist providers of Structured Property Finance, Senior Loans, Mezzanine Finance and Growth Capital. We have financed  over £1.5 billion of lending in our established lending locations via our network of over 200 lenders.

We pride ourselves on looking at each application specifically the asset, equity and exit strategy on a case-by-case basis. Our extensive financial network has the ability to help companies leverage financing from $5 million – $500 million using mezzanine finance options:

Recapitalisations – Leveraged Buyouts – Management Buyouts – Growth Capital – Acquisitions – Shareholder Buyouts – Refinancings – Balance Sheet Restructuring or Optimisation

Development Finance

Bridging Loan Finance

Bridging Finance

Property Development Loan Finance

Commercial Finance

Commercial Mortgage Finance

Acquisition | Senior | Mezzanine

Europe Global Commercial Finance
London Bridging Finance

Here we give a brief explanation about what each type of financing is used for

INTERNATIONAL BRIDGING FINANCE

  • International Bridging Finance…….Is specialist short term bridging finance for the European property markets but also includes America, Canada and the Asia and Australasian markets. This will cover residential but mainly commercial and business property financing for large transactions.

SHORT TERM BRIDGING FINANCE

  • Short-Term Bridge Financing….. Is a bridging loan or short-term real property loan that enables you to sell your existing home, improve the property or find a new tenant while providing liquidity to bridge the period until you obtain permanent mortgage financing.

REGULATED BRIDGING FINANCE

  • Regulated Bridging Finance…… Is financing secured by a charge over a residential property which is lived in by you, a family member or other close person. The purpose of the loan is not wholly or predominantly for the purposes of a business carried on, or intended to be carried on by the property owner.

BRIDGE TO LET FINANCING

  • Bridge To Let Lending…… Is designed for the buy to let investment market to allow property investors to buy a property they may otherwise struggle to finance with a traditional mortgage. They have the added benefit of an exit strategy in-built by way of a pre-approved refinance onto a traditional buy to let investment mortgage.

BRIDGING FINANCE  REFURBISHMENT

  • Refurbishment Bridging Finance…… Is short term property finance available to property investors, landlords and developers looking to upgrade a tired or run down residential or mixed use property before renting it out. Refurbishments are much smaller projects than property developments.

BRIDGING FINANCE LIGHT DEVELOPMENT

  • Bridging Finance Light Development……This is where no planning permission or building regulations are required and where there is no real change to the overall use and nature of the premises. Light development refurbishments would include new bathroom, new kitchen, redecoration, rewiring, new windows etc. There are also finance options for more complex properties including HMOs and multi-unit freehold blocks of flats as well as finance for applications made through limited companies or from first time investors.

BRIDGING FINANCE SENIOR DEVELOPMENT

  • Bridging Finance Senior Development……Involves bridging development finance with mainstream development lenders so maybe you can take on bigger projects. This would involve major structural work on a commercial development that could be already built and you would complete some major work to get the project completed. This would involve planning permissions or dealing with building regulations to get through to completion such as a block of apartments.

DEVELOPMENT FINANCE STRETCHED SENIOR LOAN

  • Development Finance Stretched Senior Loan……Is a specialist development finance loan to give property developers access to a higher development loan than would be available from normal lending sources. Property developers and house builders find this higher leverage lending helpful as it means they do not need to provide such a large percentage of funding themselves. This not only helps with cash flow, for many it allows the opportunity to build more than one development project at a time.

DEVELOPER EXIT FINANCE

  • Developer Exit Finance…….If your property development project is completed and you are reaching the end or nearing the end of a development loan period the financing is likely on a higher rate. Development exit finance can help replace your existing funding with affordable short-term finance and help lower costs until the properties are sold on.

MEZZANINE FINANCE

  • Mezzanine Finance…….Mezzanine financing is a hybrid between debt and equity. In a multi-tiered financing of an operation, for instances, the sources of money will be senior debt, senior subordinated debt, subordinated debt, mezzanine debt, and finally the owner’s own equity. In other words, the mezzanine lender is very close to being last to get paid if something goes wrong.

CONSTRUCTION FINANCE

  • Construction Finance…….Construction Finance is a specialist funding and support solution designed for contractors and subcontractors who provide construction services under a contract, framework agreement or Purchase Order. It provides funding by advancing cash against the value of invoices raised on the completion, or part-completion for staged contracts, of work carried out.

COMMERCIAL BRIDGING FINANCE

  • Commercial Bridging Loan……Is a commercial loan for borrowers who wish to use the funds for commercial purposes. This may include the purchase of an investment property or securing new offices for a growing company. Its classed as commercial if the property or land it is being used to purchase is  more than 40% commercial or 40% of the floor area in floor space.

COMMERCIAL MORTGAGE TERM FINANCING

  • Commercial Mortgage Term Financing……Is a commercial mortgage or any loan or finance secured on property which is not your main residential residence. Commercial properties would be office buildings, shopping centre’s, industrial warehouses, or apartment complex’s to name just a few.

COMMERCIAL PROPERTY AUCTION FINANCE

  • Commercial Property Auction Finance…… Is financing that you can arrange the funding in advance of the auction that can settle in 14 days. Before the hammer falls on the commercial property  you know how much your budget is, and even what specification of property the lender will fund.

ACQUISITION FINANCING

  • Company Acquisition Finance…..helps companies complete acquisitions with the goal of growing and responding more quickly to expansion options. Through acquisitions companies also access adjacent markets as well via financing from equity and JV companies helping expansion and take-over propositions.

DIRECT LENDING

  • Company Direct lending…..loans are provided mainly by “non-bank” lenders, such as institutional investors to help with growth, acquisitions, shareholder buyouts and other desired financing options needed by expanding companies from the financing arena.

GROWTH CAPITAL

  • Company Growth Capital…..promotes expansion and growth can happen in a variety of ways and the type of capital needed by companies can vary greatly. Investors and non bank lenders are options ready for when finance is required to move the company forward.

SENIOR LOANS – WESTERN EUROPE, UK and NORDICS

  • Senior Term Debt Loans…..or senior term debts are used to raise capital for specific, and often temporary objectives such as acquisitions, buyouts, refinancing, recapitalization’s or fixed asset purchases which will require a huge lump sums. Our lenders offer this lending for Western Europe, the UK and the Nordic regions.

MEZZANINE LOANS – UK, EUROPE, UNITED STATES and AUSTRALIA

  • Mezzanine Finance…..are a capital resource that sits between (less risky) senior debt and (higher risk) equity that has both debt and equity features. Companies use mezzanine financing to achieve goals that require capital beyond what senior lenders will lend. Our lenders offer this lending for the UK, Europe, United States and Australia.

AIRCRAFT FINANCE and LEASING FINANCE

  • Aircraft Finance and Leasing Finance…..Our aircraft financing options allow our clients to look at purchasing aircraft anywhere in the world unlike some other companies that only offer country specific finance. Our finance covering options include business jet, helicopter, propeller and commercial spare engine.

STOCK LOANS and SECURITIES LENDING

  • Stock Loans and Securities Lending….. We provide stock loans, securities lending and securities financing funding through their close links to stock lending companies we have developed close relationships with. We can offer various investment and loan structures to release monies from your existing portfolio in as little as 3 to 7 days.
Bridging Loans - Senior Debt - Mezzanine Finance - Commercial Finance - Construction Finance - Development Finance

What Our Clients Say

“Since working with Platinum Global Bridging Finance, they have met and surpassed my expectations of working with bridging advisers. They take the time to really know their clients which gives me every confidence my financial goals are well understood but also my comfort level. They provide updates and have always been available to answer any questions or to explain my case process. We use PGBF for all our development financing needs in the UK and Europe.” (Commercial)

“After years of working with a number of brokers we are glad we found PGBF.  We spoke with Ged and he explained the benefits of developer exit finance and how it could help us cut our development loan costs and give us more time to sell our apartments. His advice was excellent and all explained in plain English. I would definitely recommend speaking with Platinum Global if you are considering any sort of development financing.” (UK Property Developer and Seller)

“I wanted to take a moment to drop you a line to once again let you know how very much I appreciate your services, your professionalism and the candor and advice you have provided me during the course of our partnership working with you in property. From the very beginning, your transparency, the guidance you shared, and the mentoring that you proffered instilled extreme confidence in me to take advantage of your superior services.” (European Mezzanine Finance)

Financing – Case Studies

£1.5 Million Bridge on St Paul's Apartment

Short Term Bridging Finance

Knightsbridge Bridging Refurbishment £2.8m

Knightsbridge Bridging Finance

Developer Finance Westminster £38m

Develoment Exit Finance

What Is The
Application Process

1. Initial Fact Find

We will require some basic detail surrounding your lending query in order to provide you with the proper advice and approach the best lender

2. Lending Terms

Once we have obtained a ‘decision in principle’ from one (or more) of our chosen lenders, we will present the indicative lending proposal to you in a concise and transparent manner.

3. Client Agreement

You will formally engage with us and become our client. We will then immediately begin the application process.

4. Application

This step will involve due diligence and support documentation gathering. We will ensure you are well aware of each and every document you will need in order to satisfy the lenders criteria. We will also assist you with any certification or translation required.

5. Valuation

During the application step, we will also begin gathering quotes for a formal valuation. At least three options will be presented to you and we will work with you to ensure your preferred valuer is chosen where possible.

6. Offer

The lender will release a formal offer document – which is a promise to lend. This document will obtain all the details of the loan and will also give you one last opportunity to apply any minor adjustments to the facility before drawdown.

7. Legals

At this stage your solicitor will engage with the lenders’ solicitor to begin working on their pre-completion checklist.

8. Completion

Once all the pre-completion conditions have been met, the funds will be sent to your solicitor to complete the purchase or refinance.
Takes 2-6 Weeks

Major Cities We Finance

London – Manchester – Birmingham – Wolverhampton – Leeds – Bradford – Glasgow – Edinburgh – Southampton – Portsmouth – Liverpool – Newcastle – Nottingham – Sheffield – Bristol – Belfast – Leicester

Click here for next page International Bridging Finance

Bridging Finance October 16, 2019