Funding Advice

Navigating the real estate market can be complex, especially without a dedicated in-house team of seasoned professionals. At Fruition Properties, we act as your expert development partner, leveraging over 20 years of hands-on experience as a developer, not just an advisor.

We’ve delivered residential, office, co-living, and care home schemes across London and the South-East, executing over £950 million in transactions with a focus on both capital growth and risk management.

We combine a deep experience in finance and lending with our acquisition, design, and construction experience to build a realistic but optimised capital stack.  This balances the senior lending with mezzanine and equity to drive returns whilst managing the risk of over-leveraging a project. We also have experience of sourcing Sharia-compliant solutions for clients across a number of different projects.

Our services include:

Whether you’re seeking initial funding, looking to refinance and introducing additional slices of mezzanine funding, our services can help you through this process. Unlike a broker we will work with all parties involved to take the proposal through to drawdown. 

• Funding advice and structuring including senior, mezzanine, and equity finance.
• Reviewing the market and identifying appropriate finance providers and negotiating terms.
• Working with the bank’s valuer to address queries related to the property, including provision of market comparables to maximise valuation and loan available.
• Progressing the loan to drawdown which involves working with the Bank’s monitoring surveyor to address site and project specific queries including costs to complete and key risks.
• Working with our own and the bank’s solicitors to respond to queries including property information, and addressing security and title or covenant concerns.
• Refinancing at project completion from development to sales and investment loans, working closely with the bank’s Independent Monitoring Surveyor (IMS) at all stages, from initial land drawdown through each development stage, to ensure all required information is provided in advance, preventing funding delays and maintaining progress on site.

We understand the concerns and drivers for lenders and under-writers and so are best placed to address these concerns and mitigate any risks identified within the transaction. Our deep expertise both in finance and development enables us to identify the best financing solutions for each project based on the clients’ IRR expectations and risk appetite.