Residential & Commercial Finance  

Equity Business Trust in collaboration with its finance partners handles all areas of investment property. From the acquisition of individual properties to the expansion or restructuring of major portfolios. We cover affordable housing, retail, residential, manufacturing, industrial, office and Hotels, Casinos and mixed-use developments. The first thing we do is to assess your situation (bearing in mind that lenders tend to play Devil's advocate). 

Namely:

• The Land. Can you afford to pay at least 50% of the land acquisition price? Or do you own the land outright already for your planned project? Have you obtained zoning and building permissions? Please note: We do not provide land acquisition loans over 50% LTV

• What documents do we need to see regarding your Land?

• A Copy of your Preliminary Title Report
• A recent valuation report/appraisal to be done by a recognized valuation firm or by an international bank
• Overview of mortgages on your land

 

• The tenants. Can they afford to pay the rent and meet their other financial obligations? Who is responsible under the repairing and insuring covenants? What sort of rent review will you get? How long are the tenants committed to the property?
  
  
• The property itself. Where is it located? How fashionable is the area? How old is it? Is it freehold or leasehold? Is it in good repair? Is it easily salable?
  
  
• Your own reputation. Are your balance sheets strong? (It may not matter provided the property fundamentals are strong). How experienced are you?

Mezzanine / Joint Ventures

Mezzanine finance, or participatory lending, are funding schemes whereby a lender will lend more than its normal policy allows in exchange for a share of the anticipated profits or a higher fee. It can apply equally to investment and development proposals. Mezzanine deals tend to work best where there are reasons to expect the value of a property to increase significantly over the medium term (say 3-5 years). 

The finance package is designed for clients who have an exciting proposal in mind, but whose cash is tied up in other projects. Not only can you realize an otherwise inaccessible profit for a substantially reduced investment, but you can retain far more profit than you would in a conventional partnership.

Development Finance & Pre-sales up to 30% off-plan

At Equity Business Trust we understand the economics of property development and the entrepreneurial flair required to make a project profitable. At the same time we know who to approach for finance and just how to satisfy their lending criteria. Most developers who are practiced in the art of project funding will tell you that banks will not lend more than 70%-80% of site and construction costs (unless they are holding additional security).

At Equity Business Trust we can usually increase this proportion if there is some element of presale. If some of the development is speculative that can also be OK although the costs will usually reflect the greater risk. Many projects have been funded to 95% through us. We can arrange up to 30% pre-sales "off plan" from any development across the globe. Funds in escrow can be arranged within one week in order to enhance your pre-sales and fulfill your lenders requirements.

Well presented appraisals mean quick turn rounds. It is here that we come into our own. We have nearly 34 years' experience of presenting comprehensive but digestible packages to lenders. They not only welcome our presentations, but are able to make speedy decisions on the strength of them.

Experience has shown, on many occasions that far more favorable terms can be secured by expert intermediaries than by direct negotiation. After all, how can you possibly know all the financial opportunities that may be available at one time? Because we are in the market place every day, we know which are the best deals and where they can be found.

Loan Size

There is no limit to the loan size, as it is content that determines viability, be it $500m or $5m (minimum loan size is $2,000,000).

Please contact us with all your finance requirements.