Arclen
Discuss your transaction
How we work

Understand.Analyse.Structure.Execute.

Arclen combines specialist brokerage judgement with transaction intelligence to establish the strongest funding position before lender engagement.

The work that decides the outcome happens before a lender sees the transaction.

The Arclen process Transaction-led
Understand The objective, the asset, the requirement, the timeline and the exit.
Analyse Economics, assumptions, exit routes and lender appetite put under test.
Structure The finance structure, lender route and sequencing to completion.
Execute Lenders engaged, terms negotiated, conditions managed, funds drawn.
01 Understand

Every transaction starts with understanding the objective.

Before a figure is modelled, we establish what you are trying to achieve and what the asset actually has to do. That conversation covers the funding required, the timeline it has to work to, the exit you intend and the constraints around it.

The purpose is not to prepare a generic funding request. It is to understand the transaction well enough to structure the right route forward.

Opportunity assessment Initial assessment
What are you trying to achieve?Complete the development and sell the units
What is the asset?6-unit residential development, South Midlands
What funding is required?£805k senior development facility, 70% LTC
What is the timeline?18-month build programme
What does success look like?Facility repaid from unit sales
Ready for analysis Assessment begins on receipt, not days later
02 Analyse

We test the transaction before presenting it.

Every assumption behind the transaction is checked against the scheme and against the market that will fund 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. The analysis supports Arclen's judgement on the transaction.

Under test Development · 6 units · £1.15m cost
Project economicsTotal cost £1.15m · GDV £1.65m
Funding requirement£805k facility · 70% LTC
Timeline assumptions18-month programme
Exit routesUnit sales primary · refinance considered
Lender appetiteSuitable lender routes identified
Potential issuesSurfaced before lender engagement
Position strength A clearer funding position before lender engagement
03 Structure
Routes considered Narrowed to one
Senior development facility, 70% loan to costRecommended
Senior facility at different leverage and pricingPriced, held in reserve
Senior plus mezzanineCost outweighs the benefit
Bridge to developmentOnly where the timeline requires it
Structures that do not fit the asset, timing or securityRuled out
Sequencing agreed with you
Terms Valuation Legals Drawdown

The funding route is built around the transaction.

Once the analysis is complete we set the finance structure, the lender route, the funding strategy and the sequencing required to reach completion. Routes that do not serve the objective are ruled out and the reason is given.

The transaction determines the funding solution. The product does not drive the strategy.

04 Execute

Once structured, the transaction moves forward.

Lender engagement, terms negotiation, valuation coordination, solicitor coordination, conditions management and completion are the work. Arclen runs all of it, and the analysis simply means each of those conversations is entered better prepared than the room expects.

Analysis strengthens the brokerage. It does not replace it.

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

Instruction to drawdownIllustrative progression
Selected lenders engagedArclen · Day 2
Terms negotiated and comparedArclen · Day 6
Valuation instructed and coordinatedValuer · Day 9
Credit questions answered in fullLender · Day 14
Solicitors coordinated, both sidesSolicitors · Day 20
Conditions managed and clearedArclen · Day 26
Completion managed, funds drawnArclen · Day 31
CompletedIllustrative, not a service level

Day markers show illustrative transaction progression. Completion periods depend on lender, valuation and legal timescales.

05 Transaction intelligence

Every assumption stays connected to the funding strategy.

Every assumption is connected to the parts of the transaction it affects: the loan structure, the leverage, the viability, the lenders that fit and the completion timing. That means the consequences of a change can be understood without rebuilding the case from scratch.

Assumption What it affects in the funding strategy
Loan LTC Cover Fit Date
Build cost
Valuation
Programme
Exit route
Lender appetite

Loan — facility size · LTC — leverage · Cover — viability · Fit — lender appetite · Date — completion timing.

Scenario testingCosts, values, programme and exit moved one at a time and together.
Lender fitAppetite, policy and pricing matched to the structure, not to a panel list.
Transaction readinessOpen questions closed before the first lender conversation.

Analytical intelligence powered by LenderIQ. The judgement, the recommendation and the lender conversation remain with Arclen.

06 When something changes

When something changes, we immediately understand what it affects.

Build costs move, a valuation comes back light, a programme slips, an exit assumption shifts or lender appetite narrows. Because the transaction is already structured and analysed, the affected assumptions are identified as the change occurs — leverage, viability and lender fit are reviewed, the route is reassessed and you are told where it leaves the transaction.

Transaction already structuredImmediate impact review
Change occurs Affected assumptions identified Leverage and viability reviewed Lender fit reassessed Route revised You are informed
What changed
Build cost +£75,000
Reported by the contractor mid-programme, before terms were signed.
What it affects
Total development cost£1.15m£1.23m
Leverage70.0% LTC74.5% LTC
Contingency headroom£60k£18k
Lender routesIdentifiedNarrowed
What we recommend now Facility re-sized, leverage held at 70%. Senior facility taken to £858k with the developer contribution increased to £367k, returning leverage to 70% LTC and restoring contingency. Re-priced with the lender routes that still fit the profile.
Reassessed, not rebuiltIllustrative: same day

The benefit is clarity and the speed of reassessment. Timings shown are illustrative outcomes, not service levels. Lending decisions remain with the lender, and terms are never guaranteed.

Discuss your transaction.

Tell us the asset, the requirement and the timeline. Arclen will provide an initial view of the funding position and the appropriate route forward. Fees are agreed in writing before work begins.

Arclen is a specialist property finance brokerage. Arclen does not lend and does not make credit decisions. Arclen Arclen is not authorised or regulated by the Financial Conduct Authority. Arclen does not arrange regulated mortgage contracts and its services are restricted to property finance transactions falling outside the regulated mortgage regime. Some forms of property finance may be regulated by the Financial Conduct Authority depending on the borrower, security and circumstances. Arclen does not arrange regulated mortgage contracts.