Private Credit
Elm Trading's secured lending division provides debt finance to create and maintain commercial, industrial and social infrastructure in the UK.
Why private credit is an attractive opportunity
Background to private credit
Whilst many mainstream banks provide loans for residential mortgages, many property developers and investors seek out specialist lenders to finance their projects.
Development finance is provided to assist with the construction of housing projects, logistics & commercial developments and operational real estate. Investment finance is secured against existing real estate assets in the various commercial sectors which are income producing.
Operational real estate finance provides funding for existing and operational asset-backed businesses, such as hotels or care homes. For all of the loans, we seek security on a first charge basis, meaning that in the event a loan is not repaid we can take possession of the assets.
Loans are typically provided to experienced borrowers pursuing opportunities in desirable locations and sectors. The secured lending business capitalises on the attractive returns which can be derived from providing debt finance to the property sector.
65%
Operational real estate loans of up to 65% current market value
£5 - £75m
Typical Loan Value
18 - 60 months
Loan terms
PRIVATE CREDIT
Explore our private credit trading interests and discover the projects we've supported across the UK.
Contact us for more information