Bespoke Solutions for Specialty Finance
(Originators and Loan Portfolios)
£5bn+ Track Record
Note: SpecFin Capital Ltd sources debt funding for originators and is not involved in the origination of underlying loans
Regulated and unregulated products, Prime and Non-Conforming, Self-Employed, Expat & Foreign Borrowers, HMOs and Multi-Unit Freehold Blocks, Ltd Companies and other ownership structures
Term Loans and Revolving Lines of Credit (HELOCs), Prime and Near-Prime Borrowers, High LTV loans up to 95%, Equitable Charges, Regulated and Unregulated products
Residential, Commercial and Mixed-Use Bridging, Granular, Multi-Property & High-Value Single Asset Loans, Light Refurb and Developer Exit
Ground-Up Development Finance, Medium & Heavy Refurbishment Loans, Site Acquisition and Land with Planning
Asset Finance, Equipment Finance and Invoice Finance / Trade Receivables
Granular to mid-market business loans across diversified sectors
Unsecured Consumer Debt – including Term Loans and Revolving Credit
Prime and Near-Prime Borrowers, Loans, Leasing and Hire Purchase, Electric Vehicles and non-EVs, Cars, Bikes & Commercial Vehicles
Renewable (Solar, Wind), Receivables Finance, Litigation Funding, Insurance-Linked Securities, Precious Metals
Standard and high advance rate structures, optimal leverage tailored to asset class and sponsor
100% funding for new originations to enable asset-light funding models for various asset classes
Term or revolving debt at OpCo for SPV junior lending capital or opex requirements
High advance rate tranches – either as standalone or as part of package with senior funding
Junior capital providing first loss subordination and/or risk retention
Committed or uncommitted revolving credit facilities with recourse to corporate
Private ABS structures without any recourse to originator, structured as on or off-balance sheet
Expertise covering sourcing, modelling, diligence, structuring and execution of complex transactions across diverse asset classes
Support from transaction inception to closing, and execution within tight timelines
Customised structures and funding solutions to unlock maximum value for clients
Access to deep relationships with banks, credit funds, PE funds and other institutional investors – as well as potential partnerships with other platforms
Unconflicted with any balance sheet and clear alignment with client interest
Non-transactional approach to client relationships, sustained long-term collaboration
Extensive experience of helping early stage, growth stage and mature platforms
Flexible structures that can scale with growth of platform, ranging from £10m to £1bn+