Arclen
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Discuss your transaction
01 Finance solutions

Specialist property finance structured around the transaction.

Arclen understands the transaction first, then structures the finance route that supports it — built around the asset, the requirement, the objective and the timeline you are working to.

Bridging, development, mixed-use and commercial, portfolio and complex transactions, arranged for developers, investors and experienced property professionals.

Transactions we are asked to fund Route
Auction purchase, 28-day deadlineBridging finance
Six-unit conversion, staged costsDevelopment finance
Mixed-use block, part letMixed-use & commercial
Four properties, capital to releasePortfolio finance
Layered structure on a £2.4m schemeComplex transactions
Every route begins the same way Asset · requirement · timeline
02 Bridging finance

Funding held to the deadline the transaction is working to.

Arclen structures bridging finance around why the funding is required and how it will be repaid. Preparation is what holds a transaction to its date — the requirement is understood, the route is set and the lender is engaged with a complete picture.

Suitable forBuyers and owners working to a date
Acquisitions Auction purchases Time-sensitive opportunities Refinance deadlines Short-term funding requirements
Auction purchase£520,000 · 28-day deadline
Opportunity identified
Requirement understood
Finance structured
Lender engaged
Completion
Bridge required£390,000 · 75% LTV
Borrower contribution£130,000
Planned exitRefinance to term once works complete
Held to the auction dateExit agreed at the outset
Illustrative example. Timescales depend on the transaction, the lender and the legal process.
03 Development finance

Funding structured around the scheme you are building.

Arclen sets out the acquisition, the build costs, the programme and the exit, then arranges a facility structured against them. The lender sizes and releases the funding; our work is making sure the structure fits the scheme before it goes forward.

Suitable forDevelopers delivering schemes
Ground-up development Conversions and change of use Refurbishment projects Staged funding requirements
Scheme6 units · £1.15m total cost · 18 months
Total development cost
Site£425k
Build£600k
Fees & cont.£125k
Total cost£1.15m
Site, build and fees make up the total cost the facility is sized against. Funds are released in stages by the lender against monitoring surveyor sign-off.
Senior facility£805,000 · 70% LTC
Equity / value contribution£345,000
Illustrative contribution against total development cost.
GDV£1,650,000 · c.49% LTGDV
Programme18 months
ExitUnit sales
04 Mixed-use & commercial property finance

The asset, the income and your objective read together.

For mixed-use and commercial assets, Arclen assesses the property, income, tenancy and lease position, objective and exit together — then structures an unregulated short-term specialist funding route around that position. The lender decides on the facility.

Suitable forUnregulated specialist property finance
Acquisition and refinance bridging Mixed-use and commercial transitional assets Part-let assets needing a short-term route Capital raise against specialist property
Asset under reviewMixed-use block · £725,000
AssetTwo retail units, four flats above
Income£52,000 p.a. passing, c.88% let
Lease positionTwo lease events within 18 months
ObjectiveRefinance existing debt / complete works / stabilise occupancy before exit
Read together
Funding structure
Illustrative bridging facility£450,000 · c.62% LTV Term12 months ExitSale or refinance following stabilisation
Lease expiries addressed in the submission, with a vacancy allowance built into the covenant.
05 Portfolio finance

Separate assets assessed as one financial position.

Arclen looks at how the assets relate to each other — values, debt, maturities and income — and structures finance around the objective, rather than refinancing each property in isolation.

Suitable forInvestors restructuring assets
Refinancing Releasing capital Restructuring debt Portfolio changes
Held individuallyValue · debt
Two retail units, let£240,000 · £145,000 Mixed-use corner unit£210,000 · £120,000 Light industrial unit, let£190,000 · £105,000 Retail unit, let£140,000 · £60,000
Assessed as one
Portfolio value£780,000 Existing debt£430,000 Capital released£95,000
Illustrative facility of £525,000 across the four assets at approximately 67% loan to value. £430,000 refinances the existing debt, with £95,000 of additional capital released. How the facility is structured depends on the transaction.
06 Complex transactions

When the transaction needs more than a standard funding route.

Some transactions require more than a standard funding route. Arclen assesses the requirement, security, capital structure, exit and lender appetite together, then structures the appropriate route.

Suitable forTransactions needing a bespoke route
Layered capital structures Multi-layered funding where required Equity participation where relevant Complex refinance requirements Unusual security structures
One possible structure£2,400,000 total cost
Sponsor contribution£480,000 · 20%
Mezzanine£360,000 · 15%
Senior debt£1,560,000 · 65%
One funding structure£1,920,000 debt · 80% LTC
GDVc.£3,200,000 · c.60% LTGDV
Where multiple funding layers are required, their economics, ranking and interaction need to work as one structure. Layered capital is one possible route, not the default on every complex transaction.
Behind every route

Every funding strategy is supported by connected transaction analysis.

Scenarios tested Lender fit assessed Issues identified early Impact of change understood

Discuss your transaction.

Tell us the asset, the requirement and the timeline. Arclen will give you an initial view of the funding position and the appropriate route forward.