How We Structure Finance for Special Situations
We provide a full range of real estate finance products, structured around the specific demands of your transaction — not a standard lending template.
Structured Finance for Complex Real Estate
Reditum Capital provides finance across the full capital stack — from senior first charge bridging through to preferred equity — for real estate transactions that require more than a conventional lending product. Our borrowers are typically facing a situation where timing, complexity, or structural nuance has made standard finance unavailable or impractical.
We are not a tick-box lender. We assess each transaction on its own merits and structure our facilities accordingly. Whether you need a rapid first charge bridge to complete an acquisition, a second charge to unlock liquidity, mezzanine debt to bridge a capital stack gap, or preferred equity for a situation where debt alone is insufficient — we have the products and the experience to help.
Many of our transactions involve distressed assets, receivership situations, planning gain plays, or cross-border complexity. If your situation has nuance, we have the appetite to engage with it.
Our Finance Products
Indicative parameters across our product range. All terms are subject to credit assessment and the specific characteristics of your transaction.
First Charge Bridging Finance
- Loan to value up to 70% (higher considered)
- Loan size from £1m to £50m+
- Terms from 3 to 24 months
- Residential, commercial, and mixed-use security
- Acquisitions, refinancings, and repositioning
- Distressed and receivership assets considered
Second Charge Bridging Finance
- Sits behind existing senior debt
- Additional liquidity without disturbing senior lender
- Suitable for restructuring and refinancing situations
- Flexible drawdown and repayment structures
- UK and European assets
- Short to medium term facilities
Mezzanine Finance
- Mezzanine layer from 65% to 85% LTC
- Loan size from £2m to £50m+
- Typical term of 12–24 months
- Development, investment, and transitional assets
- Planning risk and cross-border transactions considered
- Interest roll-up or serviced options available
Preferred Equity
- Equity-like capital with preferred return profile
- Structured downside protection for Reditum
- Flexible terms tailored to the transaction
- Suitable where debt alone is insufficient
- Joint venture and partnership structures
- Considered alongside or in lieu of mezzanine
What We Look For
Asset Types
- Ground-up mixed-use and commercial developments
- Residential, build-to-rent, and PRS schemes
- Hotel, hospitality, and leisure assets
- Retail, office, and industrial properties
- Distressed and receivership assets
- Corporate assets and large capital asset-backed transactions
Situations We Engage With
- Distressed assets and receivership exits
- Loan book and portfolio acquisitions
- Planning gain and permitted development plays
- Refinancings under time pressure or covenant breach
- Cross-border and multi-jurisdictional transactions
- Situations declined by conventional lenders
Geographies
- United Kingdom (primary focus)
- Poland and Central & Eastern Europe
- Spain, Sweden, and Western Europe
- Continental Europe (selective)
- International markets (case by case)
- Cross-border transactions considered
Structural Features Available
- Phased drawdowns aligned with project milestones
- Pre-letting and pre-sale milestone-linked tranches
- Interest roll-up or serviced interest options
- Profit-share and joint venture arrangements
- Extensions considered on a case-by-case basis
- Bespoke security and intercreditor arrangements
Where We Sit in the Capital Stack
Depending on your situation, Reditum can provide finance at multiple points in the capital structure — from senior first charge through to preferred equity.
Flexible Drawdowns
Capital drawn in tranches aligned with milestones, construction progress, or pre-letting targets — reducing exposure and providing cost certainty.
Bespoke Security
We work with your legal team to structure security arrangements that reflect the specific characteristics of the asset and jurisdiction.
Clear Exit Strategy
We work with you to define and evidence a clear exit — whether through asset sale, refinancing, income capitalisation, or a structured repayment schedule.
How to Engage With Us
Our process is designed to give you certainty as quickly as possible — particularly important in time-sensitive special situations.
Initial Enquiry
Contact us with a brief overview of your situation — asset type, location, facility required, and the key challenge you are facing. There is no standard form; tell us what matters.
Indicative Terms
We will review your situation and come back with indicative terms, typically within 48 hours. If we need more information, we will tell you precisely what and why.
Due Diligence
Once terms are agreed in principle, we conduct thorough due diligence with our professional advisors — including valuation, legal, and technical reviews — as efficiently as the situation allows.
Completion & Drawdown
Following execution of legal documentation, funds are drawn in accordance with the agreed schedule. We maintain active engagement throughout the loan term.
What to Include in Your Enquiry
The more context you can provide upfront, the faster we can respond with meaningful terms. In special situations, we understand that not all information may be available — tell us what you have and we will work with it.
Ready to Discuss Your Situation?
Get in touch and we will provide indicative terms typically within 48 hours of receiving the relevant information.