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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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How Is Development Finance Used For Property Development In The UK

By on 26 April 2023   /   Blog  
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How Is Development Finance Used For Property Development In The UK Development finance, also known as property development finance or simply property development loans, is a specialized form of financing that is specifically designed to fund property development projects in the UK and Europe. It provides developers with the necessary capital to acquire land, finance construction or renovation costs, and cover other expenses associated with property development. Here’s an overview of how property development finance is used for property development in the UK and Europe: Land Acquisition: Development finance is used to acquire land for property development projects. Land acquisition is often the first step in the property development process, and it requires significant capital. Developers may use development finance to purchase lands that is suitable for development, such as vacant land, brownfield sites, or existing properties that can be redeveloped. Development finance allows developers to access the funds needed to secure the land and begin the development process. Construction and Renovation Costs: Development finance is used to cover construction or renovation costs associated with property development. This includes expenses such as building materials, labour costs, architectural and engineering fees, permits, and other construction-related expenses. Development finance provides the necessary funds to start construction or renovation work, ensuring that the project progresses smoothly and on schedule. Planning and Legal Costs: Development finance can also be used to cover planning and legal costs associated with property development. Obtaining planning permission from local authorities is a crucial step in the property development process, and it often involves costs such as planning application fees, surveyor fees, and legal fees. Development finance can provide the funds needed to cover these expenses and navigate the legal requirements associated with property development in the UK. Professional Fees: Development finance can be used to cover professional fees

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What Is Commercial Property Financing Used For In Property

By on 26 April 2023   /   Blog  
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What Is Commercial Property Financing Used For In Property Commercial property financing refers to the process of obtaining funding or capital to purchase, develop, or renovate commercial properties. Commercial properties are real estate properties that are used for business purposes, such as office buildings, retail spaces, industrial warehouses, hotels, and multifamily apartment buildings. Commercial property financing plays a crucial role in the real estate industry, as it enables investors and businesses to acquire and leverage properties to generate income, build wealth, and expand their operations. There are various reasons why commercial property financing is used in the property industry: Property Acquisition: One of the primary purposes of commercial property financing is to acquire commercial properties. Commercial properties are often expensive and require a significant amount of capital to purchase. Many investors and businesses do not have the full amount of cash on hand to acquire commercial properties outright, so they rely on commercial property financing to provide the necessary funds. This allows them to leverage the property’s potential for income generation and appreciate in value over time. Property Development: Commercial property financing is also used for property development purposes. Property development involves acquiring raw land and developing it into commercial property, such as constructing a new office building, retail centre, or hotel. Property development projects require substantial capital to cover land acquisition costs, construction costs, and other associated expenses. Commercial property financing allows developers to access the necessary funds to finance the development project and bring it to completion. Property Renovation: Another use of commercial property financing is for property renovation or improvement. Commercial properties may require renovations or upgrades to maintain their value, attract tenants, or comply with building codes and regulations. Renovations can include structural repairs, interior renovation, or upgrading building systems such as HVAC or electrical. Commercial

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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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