Products
Capital across the stack.
Senior, mezzanine and joint venture equity structures for strong counterparties across major UK cities and real estate asset classes.
Typical facility profile
£3m – £40mUp to 24 monthsMajor UK citiesSector agnostic
Secured lending
Lending is secured against the following asset classes.
Funding is focused across major UK cities and real estate asset classes. REL Finance takes a sector-agnostic approach and evaluates each deal on its individual merits.
Office
Hotels
Industrial
Student Accommodation
Retail
Land with Planning
Capital stack
How the capital stack works.
REL Finance can support different parts of the capital structure, helping sponsors shape funding around leverage, timing and the route to exit.
Key products
Flexible loan products for short-term real estate strategies.
Loan sizes range from £3,000,000 – £40,000,000 with tenures up to 24 months. Each transaction is reviewed on its individual merits.
Senior Loans
A flexible and reliable senior facility provided directly by REL Finance, with a first charge over the property and competitive leverage.
Loan Amount£3,000,000 – £40,000,000
LTV / LTCUp to 70%
TenureUp to 24 months
Mezzanine Loans
Second-charge capital for borrowers seeking higher leverage points, structured alongside institutional senior lenders where appropriate.
Loan Amount£1,000,000 – £10,000,000
LTV / LTCUp to 80%
TenureUp to 24 months
Joint Venture Equity
Preferred-equity style JV funding for experienced developers and investors who need flexible capital to progress their business plan.
Loan Amount£1,000,000 – £8,000,000
LTV / LTCUp to 95% LTC
TenureProject dependent
Comparison
At a glance
| Product | Loan amount | LTV / LTC | Max tenure |
|---|---|---|---|
| Senior Loans | £3,000,000 – £40,000,000 | Up to 70% | Up to 24 months |
| Mezzanine Loans | £1,000,000 – £10,000,000 | Up to 80% | Up to 24 months |
| Joint Venture Equity | £1,000,000 – £8,000,000 | Up to 95% LTC | Project dependent |
Process
Built for speed, clarity and certainty.
01
Review the requirement
Share the opportunity, asset details, sponsor background and required timescale.
02
Structure the facility
REL applies a commercial lens to identify a credit structure aligned with the business plan.
03
Execute with focus
Direct access to decision makers helps reduce execution risk and keep momentum through completion.
Ready to discuss terms?
