Arclen
Discuss your transaction
01 Opportunity

Understand your funding position before approaching the market.

Arclen is a specialist property finance brokerage. We structure, negotiate and manage each transaction from initial assessment through to drawdown. Before a lender sees it, we establish whether the funding position is viable, what structure is realistic, where credit concerns may arise and which route gives the transaction the strongest chance of completing.

Once the position is established, we approach suitable lenders with the transaction already structured, key assumptions tested and the main credit questions addressed.

Opportunity received Transaction assessed Funding strategy prepared Ready for lender engagement
AssetBrownfield site, 14 units
ObjectiveSell eleven, retain three
Requirement£2.40m facility · 18 months
TimelineOn site in nine weeks
Assumptions and risks tested against the scheme. Structure, pricing and lender fit shaped around the transaction. Taken to market once the funding position is established.
Ready for lender engagement Structure, evidence and strategy in place
02 Objectives
Opening conversation TRANSACTION-LED
What are you trying to achieve? What is the asset, and what does it have to do? How much funding is required, and when? What does the timeline actually allow? How do you intend to exit?
What you receive
Funding structureSenior facility, 68% loan to cost
Lender strategyThree aligned, one recommended
Execution planDated route to drawdown

We begin with judgement, not a data capture form.

Engaging Arclen starts with understanding the transaction: what you are trying to achieve, what the asset has to do, how much funding is required, when it is required and how the facility will be repaid.

From that first exchange, we establish the shape of the funding requirement, the routes worth assessing and the sequence required to move towards drawdown.

03 Analysis

We test the transaction before lenders test it.

The questions a credit committee would raise in week three are raised on day one, while there is still time to structure around them. Arclen analyses, prepares and structures the transaction. The lender decides.

Under test Development facility, £2.40m · Manchester
Project economics Do the costs, value and exit support the proposed funding?
Day one £1.62m · profit on cost 19%
Funding structure & leverage What facility size, leverage and equity contribution does the transaction support?
Total development cost£3.53m Day-one requirement£1.62m Peak debt£2.40m LTC68.0% Borrower equity£1.13m
Facility sized to the supported position
Scenario resilience What happens if costs, values, programme or exit assumptions move?
Base case1.34× cover Costs +8%1.19× cover Six-month delay1.11× cover
Lender fit & readiness Which lenders fit the resulting structure, risk profile and timetable?
Lenders aligned3 Key issue still openExit timing Preferred routeSenior ReadinessReady to engage
Prepared for lender engagement — the lender decides
Position strength Challenged from four directions Positioned for lender engagement
04 Change

Change does not restart the transaction. It updates the strategy.

Costs move, valuations come back light, programmes slip and lender appetite changes. Because the transaction is modelled end to end, a change is immediately traced through the parts it affects — facility size, leverage, viability, lender fit and the recommended route.

As soon as a case input changes, the affected funding position can be reassessed without rebuilding the transaction from the beginning.

What changed · what it affects · which routes remain viable · what we recommend now

The strategy is updated around the new position so the transaction can keep moving.

Our transaction intelligence keeps the underlying assumptions connected, while the judgement, recommendation and lender conversation remain with Arclen.

Transaction modelled end to endWeek 6
Development facility agreed £2.40m · 68.0% LTC · 1.34× cover
One assumption moves
Build cost+£180,000 ValuationAt plan Programme18 months Lender appetiteUnchanged
Loan structure£2.40m£2.58m
Leverage68.0% LTC69.6% LTC
Viability1.34× cover1.26× cover
Lender options4 aligned2 aligned
Recommended routeSenior onlySenior with stretch
Revised strategy Facility increased to £2.58m, LTC revised to 69.6%, cover revised to 1.26×. Re-priced with the two lenders still aligned, and the recommended route updated.
Strategy updated, not restarted No lost weeks
05 Strategy

We start from the situation, not the product.

Nobody sets out needing bridging finance. There is an acquisition to complete, a scheme to build, a facility running out of term. We understand the situation, then structure the route that supports it.

The situation Development opportunity Time-sensitive acquisition Auction purchase Complex refurbishment Portfolio restructuring Commercial or mixed-use opportunity
The structures available
Development finance Bridging finance Auction finance Heavy refurbishment finance Portfolio finance Commercial property finance Structured funding

Where a situation does not support the funding being sought, we say so at the outset rather than test the market and come back empty.

06 Execution
Managed by ArclenInstruction to drawdown
Lender engagement
Terms negotiated and compared
Valuation instructed and managed
Credit questions resolved
Solicitors coordinated
Conditions tracked and cleared
Completion managed, funds drawn
CompletedManaged through to drawdown

Structured properly. Managed through to drawdown.

Once the route is agreed, Arclen manages the transaction through lender engagement, terms, valuation, legal coordination, conditions and completion. Each stage is tracked against what the lender needs and what has to happen next.

The analysis establishes the position. Execution gets it completed.

Arclen structures, manages and coordinates the transaction. The lender makes the lending decision.

Discuss your transaction.

Tell us the asset, the requirement and the timeline. You will receive an initial view of your funding position and the structure that supports it. Fees are agreed in writing before work begins.