A Specialist in Situations Others Find Too Complex
Reditum Capital has been providing structured finance solutions for real estate special situations since 2013. We exist for the transactions that require more than a standard lending product.
Reditum Capital
Reditum Capital is a specialist real estate finance house focused on special situations. We provide first charge bridging, second charge bridging, mezzanine finance, and preferred equity to borrowers whose transactions require speed, structural flexibility, and a lender with genuine appetite for complexity.
Since our founding in February 2013, we have lent in excess of £500m across more than 92 transactions. Our experience spans distressed and receivership assets, loan book acquisitions, planning gain plays, cross-border deals, and corporate transactions backed by large capital assets — situations where the borrower’s primary challenge is finding a lender who can act decisively.
We are known for our speed, our willingness to engage with complexity, and our collaborative approach. When you bring a situation to us, you deal directly with experienced decision-makers — not a credit committee — which means faster answers and greater certainty of execution.
Finance Across the Capital Stack
We offer a full range of real estate finance products, enabling us to meet borrowers at any point in the capital structure.
First Charge Bridging Finance
Senior secured bridging loans for time-critical acquisitions, refinancings, and asset repositioning. We provide first charge facilities where speed and certainty of execution are the primary requirements.
- Loan to value up to 70%
- Terms from 3 to 24 months
- UK and European assets
Second Charge Bridging Finance
Second charge facilities that sit behind existing senior debt, providing additional liquidity without disturbing the primary lending relationship. Particularly useful in refinancing and restructuring situations.
- Sits behind senior debt
- Flexible drawdown structures
- Distressed and transitional assets
Mezzanine Finance
Subordinated debt that bridges the gap between senior finance and equity. We provide mezzanine facilities for development, investment, and transitional assets — including situations with planning risk or structural complexity.
- 65–85% LTC layer
- Interest roll-up available
- Complex and cross-border transactions
Preferred Equity
Equity-like capital with a preferred return profile, structured to provide downside protection while giving borrowers flexibility in situations where conventional debt is insufficient or unavailable.
- Structured return profile
- Flexible equity-like terms
- Joint venture and partnership structures
What Sets Us Apart
Appetite for Complexity
We actively seek out transactions that require structural creativity. Distressed assets, receivership situations, cross-border deals, and non-standard security are where our experience is deepest.
Principal-Led Decisions
You deal directly with experienced decision-makers, not a committee. This means faster credit decisions, more pragmatic structuring, and greater certainty that a term sheet will lead to a completed transaction.
Flexible Structuring
We do not apply a one-size-fits-all approach. Every facility is structured around the specific characteristics of your situation — whether that means phased drawdowns, milestone-linked tranches, or profit-share arrangements.
Certainty of Execution
We have a strong track record of completing transactions we commit to. Borrowers return to us because they know that when we issue a term sheet, we deliver.
Collaborative Approach
We work with you and your professional team — not against you. Our goal is to find solutions that allow your transaction to proceed, not to create obstacles or impose unnecessary conditions.
Speed When It Matters
In special situations, timing is often the critical variable. We are structured to move quickly — from initial enquiry to indicative terms in 48 hours, and from terms to completion as fast as due diligence allows.
UK, Europe & Beyond
Our primary focus is the United Kingdom, where we have completed transactions across London, the South East, and major regional cities. We also have significant experience in Continental European markets, including Poland, Spain, Sweden, and other Western and Central European jurisdictions.
Cross-border transactions are a particular area of expertise. We understand the additional complexity that multi-jurisdictional deals involve — from legal structuring and security enforcement to currency risk and local market dynamics — and we have the experience to navigate it.
Bring Us Your Situation
If your transaction is complex, time-sensitive, or has been declined by conventional lenders, we want to hear about it.
Discuss Your Situation