It all began with a simple idea fueled by a deep passion. As a small business, we pride ourselves on personal attention and dedication to every detail. Our approach is rooted in quality and integrity, ensuring that everything we do reflects our commitment to excellence.

What assets can you arrange lending on?

We can arrange lending on commercial properties where the rent roll is sufficient to support the financing – this includes offices, retail units, light industrial units, logistics units, multi-family residential and most other types of commercial investment property. Our bias is for property located in the city or commuter environs , although we selectively consider well located provincial property with good cashflows.

We selectively consider bridging, development and other specialised proposals.

We don’t lend on:

• Loans of <€5m
• Assets outside the Israel, USA,Republic of Ireland or Italy
• Nursing homes, agricultural land, farms or quarries

Are your decisions locally made?

Yes, all our decisions are made by our executive team. We are lending our own funds and are not required to refer to our shareholders or lenders for credit approvals.

What are your main lending parameters?

We focus on repayment capacity, which generally requires that net rent after tax is 1.10 x debt service obligations. We do not cash sweep this excess, so any surplus after debt service is typically retained by the borrower to reinvest in the property or take as drawings.

Do you lend to trading businesses or sole traders?

Yes, where we lend to owner-occupiers, we generally need the property to be arms-length from the operating entity, which usually involves separating ownership into a separate vehicle and establishing an arms length rent. We are happy to lend to individuals as well as corporate entities, again where the property and the trading businesses are separate.Example answer to the question. Feel free to customize this content with the actual information you want to provide.