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Property Finance
Mezzanine Finance
Second-charge finance sitting behind senior development debt, reducing the equity you need to commit.
Loan Range
£50,000 – £10,000,000
Position
Second charge
Terms
12 – 36 months
Decision
2–4 weeks
Key Features
- Reduces developer equity
- Sits behind senior debt
- Flexible terms
- Project-specific
Use Cases
- Maximise leverage
- Undertake larger projects
- Reduce personal capital at risk
Eligibility Criteria
Senior development debt in place
Viable development project
Experienced developer
Clear exit strategy
Documents commonly requested
- Recent business bank statements
- Latest filed accounts and current management information
- Identification and business ownership information
- Evidence supporting the funding purpose
- Property, asset, invoice or contract information where relevant
The exact list depends on the facility and lender. Documents are requested only when relevant to the application.
Important considerations
- Compare the total cost, not only the headline rate
- Understand arrangement, valuation, legal and exit fees where applicable
- Check how repayments affect business cashflow
- Review security, debenture and personal-guarantee requirements
- Consider early repayment and default provisions before signing
How it works
- Tell us about your funding need
- We compare the whole-of-market lender network
- Receive competitive offers tailored to you
- We manage the application to completion
Why use FinanceMyCompany?
- Whole-of-market lender access
- Transparent, fee-clear advice
- Dedicated finance specialist
- Fast, straightforward process
Mezzanine Finance — Frequently Asked Questions
What is mezzanine finance?
A second-charge loan that sits behind the senior lender, allowing developers to borrow more with less equity.
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