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Platinum Global Bridging Finance is a distinguished high-net-worth finance broker. We specialize in providing tailored financial solutions, including Property Bridging Finance, Development Finance, Single Stock Loans, Margin Stock Loan, Crypto Finance, Crypto Loans and Commercial Property Finance tailored to meet the diverse needs of our clientele seeking robust financial lending solutions.

 

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International Bridging Loans | Expat Mortgages | MUFB Mortgages | Portfolio Mortgages | United States Mortgages | Universal Life Insurance | Expat Life Insurance | Expat Health Insurance | Crypto Financing | Securities Backed Lending | Pre IPO Loans | OTC Stock Loans | Aircraft Financing | Unregulated Bridging Loans | Share Portfolio Loans | 144 Restricted Stock Loans

 

What Is Development Exit Finance?

By on 25 April 2023   /   Blog  
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What Is Development Exit Finance? Development exit finance also known as development exit funding or development exit loans refers to a type of financing used in the real estate and property development industry. It is a short-term loan or financial solution designed to help property developers refinance an existing development project in order to repay their initial development loan and move on to the next stage of their property development process. Development exit finance typically comes into play when a property developer has completed the construction or renovation phase of a project and is ready to sell or refinance the property in order to recoup their investment and realize their profits. However, due to various reasons such as delays in obtaining permits, changing market conditions, or unforeseen circumstances, the developer may be unable to sell or refinance the property in a timely manner, which can put them in a challenging financial situation. Development exit finance provides a solution to bridge this gap and enable the developer to transition smoothly to the next phase of their property development venture. One of the main purposes of development exit finance is to provide developers with the necessary funds to repay their initial development loan. Development projects typically require significant upfront costs for land acquisition, construction, materials, labour, and other expenses. Developers often rely on development loans or construction loans to finance these costs, which are usually short-term loans with a fixed term, often ranging from 12 to 24 months. Once the development is completed, the developer needs to repay the initial loan, but if they are unable to do so due to various reasons, development exit finance can provide the necessary capital to pay off the original loan and avoid default. Development exit finance can take various forms, including bridging loans, mezzanine loans,

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Senior Debt Lending And How It Can Help Your Busines

By on 21 January 2023   /   Blog  
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Senior debt lending is a type of financing in which a lender provides a loan to a borrower, with the expectation that the loan will be repaid primarily from the borrower’s core revenue streams. This type of debt is considered to be a lower-risk form of lending because it is the first to be repaid in the event of a default or bankruptcy. Senior debt is typically issued by banks, insurance companies, and other financial institutions. The terms of the loan are typically determined by the lender and the borrower, with the lender often requiring collateral or a personal guarantee to secure the loan. The interest rate on a senior debt loan is often fixed, and the loan is usually amortized over a set period of time, such as five or ten years. In the capital stack, senior debt is considered to be at the top. The capital stack refers to the various layers of funding that a company or project may have, with each layer representing a different level of risk and priority for repayment in the event of default or bankruptcy. Senior debt is considered to be the most senior of all the layers and is the first to be repaid. It is typically followed by mezzanine debt, and then equity at the bottom. One of the advantages of senior debt lending is that it is a relatively low-risk form of financing for the lender. Since the loan is repaid primarily from the borrower’s core revenue streams, the lender has a high level of confidence that the loan will be repaid. Additionally, since senior debt is the first to be repaid in the event of a default or bankruptcy, the lender’s investment is less likely to be lost. However, there are also some disadvantages to senior debt lending.

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What Is The Process of Obtaining Commercial Property Finance

By on 21 January 2023   /   Blog  
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What Is The Process of Obtaining Commercial Property Finance Commercial property finance is a type of loan used to purchase or refinance commercial real estate. These loans are typically provided by banks, non-banks, and other financial institutions. The terms and conditions of commercial property finance can vary depending on the lender, but generally, the loan is secured against the property being purchased or refinanced. The process of obtaining a commercial property finance loan typically starts with the borrower providing the lender with information about the property and their financial situation. This may include information such as the property’s location, size, and condition, as well as the borrower’s credit score, income, and debt-to-income ratio. Based on this information, the lender will assess the borrower’s ability to repay the loan and the value of the property. If the lender determines that the borrower is a good candidate for a loan and the property is a good investment, they will offer a loan at a certain interest rate and with specific terms and conditions. The interest rate for a commercial property finance loan can vary depending on a number of factors, including the lender, the borrower’s creditworthiness, and the type of property being purchased or refinanced. Generally, commercial property finance loans have higher interest rates than residential mortgages because they are considered to be higher risk. There are several types of commercial property finance loans available, including: Traditional term loans: These are the most common type of commercial property finance loan and are typically used to purchase or refinance commercial real estate. They are usually offered with fixed or adjustable interest rates and have terms of several years. SBA loans: These loans are backed by the Small Business Administration and are typically used by small businesses. They have more favourable terms and conditions

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What Are The Benefits of Using Bridging Finance For a Property Purchase

By on 21 January 2023   /   Blog  
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What Are The Benefits of Using Bridging Finance For a Property Purchase Bridging finance, also known as a bridge loan, is a type of short-term loan that is used to “bridge” the gap between the purchase of a property and the securing of long-term financing. It is typically used for real estate transactions and can provide a number of benefits for property buyers. One of the main benefits of using bridging finance for a property purchase is its speed and flexibility. Because bridging finance is a short-term loan, it can be approved and disbursed much faster than traditional financing options, such as a mortgage. This can be especially useful in situations where a property is being sold on a short timeline or the borrower needs to act quickly to secure a property. For example, if a property is being sold at auction, the borrower may not have time to secure a traditional mortgage before the auction takes place. In such cases, bridging finance can provide the necessary funds to purchase the property, with the expectation that long-term financing will be secured later. Another benefit of bridging finance is that it can be used for property purchases when the borrower does not meet the traditional lending criteria of a bank. This can include situations where the borrower has a poor credit history or is self-employed. Banks and other traditional lenders often have strict requirements for borrowers, such as a minimum credit score or a stable income. In contrast, bridging finance providers may be more willing to work with borrowers who do not meet these requirements, as long as they have a viable exit strategy for repaying the loan. Bridging finance can also be used for a variety of different property types and purposes. For example, it can be used to purchase

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Securities Backed Lending | Loans Using Stock As Collateral

By on 21 January 2023   /   Blog  
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Loans Using Stock As Collateral To Release Equity A stock-collateralized loan, also known as a securities-based loan, is a type of loan that uses the borrower’s investment portfolio as collateral. This type of loan is typically offered by specialized lending institutions, such as brokerage firms or banks, and can be used for a variety of purposes, including investing in additional securities, paying off debt, or covering unexpected expenses. To obtain a stock-collateralized loan, a borrower must first pledge a certain amount of their investment portfolio as collateral. The value of the collateral is determined by the current market value of the securities pledged. The lender will typically require the borrower to pledge a certain percentage of the value of the collateral as collateral, which is known as the loan-to-value (LTV) ratio. For example, if the LTV ratio is 50%, the borrower must pledge $500,000 worth of securities as collateral for a $250,000 loan. The interest rate on a stock-collateralized loan is typically higher than the interest rate on a traditional loan, as the lender is taking on more risk. The interest rate may also be variable, meaning it can change over time based on market conditions. Additionally, there may be fees associated with obtaining a stock-collateralized loan, such as origination fees, appraisal fees, and maintenance fees. One of the major benefits of a stock-collateralized loan is that it allows the borrower to use their existing investment portfolio as collateral, which can be a more attractive option than using other forms of collateral, such as real estate. Additionally, stock-collateralized loans can be a good option for borrowers who want to invest in additional securities but do not have the funds to do so. However, there are also some potential downsides to stock-collateralized loans. For example, if the value of the securities

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What Are The Advantages of International Bridging Finance for European Property

By on 20 January 2023   /   Blog  
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What Are The Advantages of International Bridging Finance for European Property International bridging finance is a type of short-term loan that is typically used by companies or individuals to bridge the gap between the purchase of a property or asset and the receipt of long-term financing. The loan is typically secured against the property or asset and is used to provide the borrower with the necessary funds to complete the purchase. There are several advantages of international bridging finance, including: Speed In Completing International Property Transactions: International bridging finance can be arranged and disbursed quickly, which is particularly beneficial for property purchases where time is of the essence. This is because the loan process is typically less bureaucratic and more streamlined than traditional mortgage applications. Flexibility In Bridging Criteria: International bridging finance can be tailored to meet the specific needs of the borrower, which can include bespoke loan terms, interest rates, and repayment schedules. This allows borrowers to structure the loan in a way that best suits their individual needs. No Minimum Income Requirement: Many traditional mortgage lenders have strict income and credit requirements that must be met before a loan can be approved. International bridging finance does not have these requirements, which means that borrowers who may not qualify for traditional financing can still obtain the funds they need. Ability To Bridge The Gap Between Purchase and Long-Term Financing: International bridging finance can be used to bridge the gap between the purchase of a property and the receipt of long-term financing. This can be particularly useful for borrowers who are looking to purchase a property that is in need of repair or renovation, as the funds from the loan can be used to make these improvements. No penalty for early repayment: Many traditional loans come with penalty charges for

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