Director
CurrentSince leaving RBS, I have set up my own business helping successful property developers and investors access finance for their businesses.Borrowing money is now a complex process that requires considerable time and careful management. Most property people I know would prefer to spend time doing deals rather than talking to their lenders!Using my 29 years of banking experience including 16 years as a senior lender, I manage every aspect of borrowing against a property from beginning to end. Key services provided are:* Preparing credit applications to make borrowers' businesses easy to lend to.* Translating bank-speak into plain English.* Attending meetings with lenders and leading the negotiation on borrowers' behalf.* Ensuring lenders' pre-drawdown conditions are met e.g. KYC, lawyers' queries, valuers' appraisals, initial construction reports etc.* Working with client's own in-house team and external advisors to anticipate any obstacles that might slow down the progress of a loan.* Using my extensive network of contacts to find the right funders for different types of transaction ranging from traditional bank funding to equity participation.* Active risk management of sites to protect interests of developer and / or equity providers while loan is outstanding.* Obtaining early cash releases for developers against sales of completed units at the back end of schemes to smooth cashflow.* Acting as a sounding board for business-owners seeking to expand their enterprises.If any of the above are of interest then please feel free to contact me.
