Stretched-Senior, Mezzanine & Stretched-Debt
Higher gearing without a JV — up to 90% LTC.
Stretched-senior, mezzanine and stretched-debt layers for developers seeking equity efficiency without sharing the upside.
Ticket size
£2M – £80M
Turnaround
Heads in 14 days
Capital partners
19+
Composes with
2 sectors
Key highlights
What sets this apart.
Up to 90% LTC
Single-tranche option
Profit-share alternative
The problem
Why this capability exists.
Deploying scarce equity into one scheme caps how many you can run. Mezzanine done badly is more expensive than equity.
Our approach
- 01
Model the true cost of capital across structures.
- 02
Stack senior + mezz under a single intercreditor.
- 03
Negotiate exit fees against margin protection.
Outcomes you can expect
- Median equity reduction of 38%
- 19 active mezz funders
- 8 single-tranche stretched-senior partners
Typical structures
How stretched-senior, mezzanine & stretched-debt deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Senior Debt
60–65% LTGDV, drawn against cost certificates, monitoring surveyor reports.
Stretched Senior
Up to 75% LTGDV blended facility — single lender, single legal.
Mezzanine + JV Equity
Top-up to 90% LTC; profit-share or coupon-based partners.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- down
Family-office mezzanine · Stretched mezz on resi dev
Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.
Hurdle IRR cut 150 bps for repeat sponsors
- down
Tier-1 challenger bank · Senior development
Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.
−25 bps on 65% LTGDV
- up
Specialist bridging house · Refurb-to-let bridge
Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.
Now lending to 80% LTV (was 75%)
Who this fits
Audience fit, scored from the brief.
HNW & family offices
100%
Structured credit, complex cases, cross-border, tax-efficient capital.
Property developers & investors
60%
Bridging, development finance, BTL portfolios, refurb-to-let.
SME founders & CFOs
0%
Working capital, growth funding, asset finance, invoice finance.
Brokers & intermediaries
0%
Lender intel, criteria shifts, packaging playbooks.
Composes well with
Stack ideas our desk has placed before.
Commercial Mortgages
Owner-occupier and investment commercial property finance.
Asset Based Lending
Unlock working capital from receivables, stock, plant and property.
Joint Venture Development Finance
Equity-light JV structures with profit-share funders.
Hotel & Hospitality Development Finance
Branded, boutique and resort schemes — ground-up to refurb.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the asset based in the UK or selected EU jurisdictions?
- Do you have a clear exit (sale, refinance, term loan)?
- Have you completed a similar transaction in the last 5 years?
- Can you contribute 25%+ equity / deposit?
- Is borrower credit history broadly clean?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£89k
Total interest
£103k
Arrangement fee
£30k
Effective APR
9.83%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Tier-1 Clearing Bank ATier 1
Term & RCF
Indic. BoE +1.95%
- Specialist Bridging Bank BSpecialist
Bridging / Refurb
Indic. 0.79%/mo
- Private Bank CPrivate
Lombard / Mortgage
Indic. BoE +1.30%
- Alt Lender DAlt
Stretched Senior
Indic. 9.25% pa
- Specialist Dev Lender ESpecialist
Senior Development
Indic. 10.45% pa
- JV Equity Partner FAlt
Mezz / JV
Indic. 12% pref + share
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address (all parties)
- Last 3 months bank statements
- Asset / scheme summary or sales particulars
- Schedule of works (if refurb / dev)
- Personal asset & liability statement
- Latest filed accounts (if SPV / corporate)
- Source of deposit evidence
- Exit evidence (sale memo / refinance AIP)
FAQs
Frequently asked
The questions clients always ask.
Same business day for clean bridging cases; 24–48 hours for development senior debt; 3–5 days for complex private-bank mortgages.
No. Enquiries are soft-search only until you formally accept terms.
Yes — selected jurisdictions across the EU, Channel Islands, and prime international markets via private-bank partners.
Brokerage is paid by the lender on completion in most cases. For complex structuring engagements we agree a success fee in advance.
Short enquiry
Tell us about your stretched-senior, mezzanine & stretched-debt requirement.
A specialist will respond within one business hour. No credit footprint.