At Bridgelane Investments, we can assist you in 1) securing loan or/and equity funding and 2) managing on your behalf the transaction workflow plan and 3) negotiating and implementing a debt restructuring of your current investments. This consequently allows you to focus on formulating and executing your property investment plan.
We start by identifying your unique financing needs and determining whether we can effectively assist you in securing funding. We then ensure that your funding request is presented to our funding partners in the best possible light. This means that different capital sources are competing for your funding. Our overall services ensure you secure funding on the best possible terms.

Banks are just one of our many funding partners. We have relationships with Life companies and non-bank specialist lenders.
Our fiduciary obligation is to you, the borrower. Since we are not limited by our affiliation with any one bank, we are able to present your loan to a broad spectrum of potential capital sources and secure the best terms the market can offer. Equally important, Bridgelane Investments remains involved in the transaction, sharing the burden of collecting and processing information, coordinating third party reports and driving towards a smooth and successful completion.

Bridgelane Investments’ compensation structure is entirely based on success. We do not charge retainers and will only get remunerated when you achieve your financing requirements.
Bridgelane Investments charges a flat placement fee. Banks typically also charge a loan fee.  However, because we help mitigate the costs associating with originating the loans for banks, we are able to negotiate very competitive costs of funds and equally importantly realistic and robust covenants. As a result, borrowers typically do not incur additional costs by engaging Bridgelane Investments to source, negotiate and manage their transactions. On the contrary our overall service is geared to ensure you make the more money from your investments.

Our pride is in offering outstanding customer service in supporting our clients’ objectives. By choosing to represent a client, we are committing all of our resources to making their transaction a success. Clients that have worked with us understand and value the service we provide, which often goes beyond the role of a typical advisor. Limiting the number of real estate investors we agree to represent allows Bridgelane Investments to provide a full service advisory experience that is unique in today's “lender’s market”.
Our main client qualification is a shared commitment to building a long term relationship. Beyond identifying whether we are capable of effectively assisting a client meet their objectives, we typically require an exclusive engagement letter that obligates both parties to the relationship.

We have relationships with a variety of funding sources including banks, life companies and non-bank specialist lenders that do not operate high street branches. In addition to term debt financing, we regularly structure transactions using mezzanine debt and preferred equity.

Financing requests in excess of £/€ 10 million. We offer our services predominantly to clients with investments in Germany, France and the UK. We will selectively consider other Western and Nordic European countries.

The money that had been pursuing real estate transactions in recent years is long gone. Lenders in the current market environment typically apply conservative underwriting standards when putting property risk on their balance sheets.
When underwriting a loan, the lender will first review the characteristics of the property to assess if it can support the requested loan.
One measure of risk is the loan to value ratio. Whereas before the credit crunch LTVs in excess of 90% were the norm, in today’s market, LTVs can be as low as 60% (or lower depending on asset and sponsor quality) up to a maximum of 80% to 85% depending on the strength of the investment.
Another measure of risk is the DSCR (Debt Service Coverage Ratio) which measures the number of times the net operating income of the investment covers the interest and mandatory amortisation payments. There is no hard and fast rule here. The better the location and quality of the building, the longer the remaining lease term and the more credit worthy the tenants in your investment, all else being equal, the lower the DSCR covenant.
Finally, and equally importantly, the lenders will review the operating experience of the investor.

Assuming all the required information is readily available, most loans typically fund within 45 to 60 days. However, this is just an average and some funding requirement may take longer than average.