We assist with a broad range of property and commercial funding requirements, including acquisition finance, development and construction funding, investment finance, refinancing and restructuring, and residual stock and equity release.

Depending on the transaction, funding may include senior debt, stretched senior, mezzanine finance or other structured capital solutions.

We assess each transaction individually and approach the lenders and capital providers we consider most appropriate for the borrower, asset, project and funding requirement.

No. Zaya Capital + Finance acts as a debt adviser and finance broker rather than a lender.

We work with a range of banks, non-bank lenders, private credit funds and other capital providers to identify suitable funding options, structure the transaction and negotiate terms on behalf of our clients.

Our role is to help clients navigate the market and secure funding that is appropriate for the transaction, rather than being limited to the products of a single lender.

The information required will depend on the type and complexity of the transaction.

As a starting point, we generally need an overview of the borrower, the property or project, the funding requirement, the proposed capital structure, timing and the intended repayment or exit strategy.

For development and construction transactions, additional information may include planning approvals, feasibility studies, cost plans, valuations, presales or leasing information and details of the project team.

We will let you know what is required for your particular transaction and help coordinate the information needed to approach suitable lenders.

The timeframe depends on the complexity of the transaction, the type of funding required and how quickly the necessary information can be provided.

Straightforward transactions may progress relatively quickly, while development, construction or more complex funding arrangements can take longer due to valuation, due diligence, credit approval and documentation requirements.

We work with clients to identify key requirements early, manage the process efficiently and keep the transaction moving toward settlement.

Yes. Our involvement does not necessarily end at settlement.

Where appropriate, we remain available to assist with ongoing lender requirements, facility amendments, drawdowns, refinancing, restructuring or future funding needs as the project or business evolves.

For development and construction facilities in particular, we can continue to support clients through the funding lifecycle and help address issues that may arise during delivery.

Ideally, engage us early — before funding terms are required or key commitments are made. Early involvement allows us to assess the proposed structure, funding requirements, timing and potential lender options before approaching the market.

However, we can assist at any stage of a transaction or project, including where funding is already being considered, an existing facility needs to be refinanced or restructured, or circumstances have changed during a project.

The earlier we understand the transaction, the more opportunity there is to structure the funding around your commercial objectives rather than simply respond to an immediate funding requirement.