Bespoke Approach

We are not real estate developers, so we don't compete with our clients. We approach every loan with a tailor made strategy, which is unique to the borrower's needs and our investment criteria. Our investment mandates allow us to move with speed whilst our technology and team of real estate and credit veterans are uncompromising on diligence.

Advanced Underwriting

Our proprietary underwriting approach, AIHWO (Artificial Intelligence With Human Oversight), is formed through decades of lending experience coupled with the most advanced technologies and data analytics, which allows us to diligently assess the following loan characteristics:

• The Borrower (e.g. credit history, experience etc.)
• The Asset (e.g. location, area liquidity, property condition etc.)
• The Transaction (e.g. LTV, exit strategy, business plan etc.)

Every loan is put through rigorous diligence with an emphasis on downside protection whilst reviewing the main transaction characteristics where the loan is sufficiently over collateralised to compensate major downturn of the market.

Dynamic Monitoring

The management and servicing of each loan is dynamic in that we are routinely stress testing each loan, from the asset value to the exit strategy, to assure all loan covenants are met at all times without exception. From drawdown of funds through to maturity at redemption, the distance to asset value is tested against regular valuations of the properties and Dynamic Loan Covenants.