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Real Estates, Businesses, Corporates

(Any Purpose - Any Amount - Any Background)


Real Estates, Businesses, Corporates

(Any Purpose - Any Amount - Any Background)

Esteema private clients provide comprehensive financial strategies for your long terms goal especially for the HNI & UHNI  investors, business and corporate.

When it comes to future planning, you need a mentor & consular with exceptional knowledge, Expertise, Creativity & Funding Access, who can structure the vision into reality with.

What makes Esteema Private Client ‘DIFFERENT’?

  • Global Financial expertise with complete discreteness.
  • Global investment expertise (Real Estate and business)
  • Specialist Leverage Financing, where the traditional lender cannot compete
  • Risk Mitigation Underwriting  for ‘ Quick Decision- Quick Financing’
  • Revolving Credit Line for Multiple Acquisitions & Portfolio growth

Real estate Investments & financing are very complex because of various financial & business covenant regulations, it require exceptional expertise

  • Real estate and corporate industry,
  • Financing & legal structuring,
  • Global capital market access
  • Credit risk mitigation underwriting

We, at Esteema, are proud to inform you that we are experts in all types of real estate, business, and corporate investments & financing needs, where traditional finance can not compete with.

We offer 

  • Distressed Real estate investments and development opportunities for direct or indirect investments as investors, lenders, equity partners, JV investors, etc
  • Investment Choice:  Wide choice in real estate ( residential, commercial, hotels, etc.) and location
  • Financing Management: for leveraging & low-cost costing funding with our UK and global Funding partners to maximize the return on investments
  • Credit Line Management: for quick acquisition at discounted prices to maximize the profit
  • Growth Strategies: With the combination of financing and investment optimization of Debt, JV & Equity
  • Investment Strategies: Debt, JV and equity mixed for new acquisition and development for a better return
  • Real Estate Portfolio Financing Management: Consistent return with regular financing structuring
  • SPV Strategies: Financing friendly & Profit Maximization Planning


✓ Any Loan Amount100K to 100MRestricted
✓ Any Purpose Purchase, Refinance, Debt Settlement,
Refurbishments, Developments, or any legal purpose
✓ Any Real EstateResidential, Commercial, Mixed, Land etc Restricted
✓ Any Borrower UK or International (Personal or Any SPV)Restricted
✓ Any Location UK, Europe and Major Location Globally Restricted
✓ Any Background Prime or Subprime (Adverse Credit) Restricted
✓ Any Term1 day to 36 Month (extendable) Restricted
✓ Any Special Reasons ✓ 48 hours’ financing for emergency purpose
✓ 100% with or without additional security
✓ Repossession stopped bridging
✓ Non-Status – Non-Recourse
✓ No maximum age
✓ Interest roll-up facilities or pay monthly
✓ No valuation bridging
✓ 1st, 2nd, 3rd, equitable and unilateral charges

Esteema Special Pricing

Small Finance

Rates from:
2.5 % pa

70% Loan to Value
100% with Additional Security

Large Finance

Rates from:
1.50% pm

70% Loan to Value
100% with Additional Security

Credit Line / Revolving Bridging Loan

Rates from:
1.50% pm

70% Loan to Value

Key Factors Affecting Private Client

Personal Profile

  • Personal & Business profile
  • Professional Team Profile
  • Experience & Track Record
  • Borrower A & L, Income profile
  • SPV Structure & Location

Collateral Profile

  • Investment Category
    (Real Estate / Business)
  • Location, Demand
  • Sales & Rental Demand
  • Covenant Type / Terms?


  • Investments Value / LTV
  • Investments Potential Net Income
  • Projected P&L, Forecast
  • Covenant Financial Strength
  • Lease T & C.

Private Client Guide

Private Client Finance Documents

Following are the standard documents subject to the purpose of the finance ( Investment or Business)


  1. KYC: ID, Address proof, Personal & Professional profile about the industry experience, Credit report for all the Borrower, Director, Partners & Major Shareholders
  2. Borrowing  Structure:  Personal /Partnership/Corporate structure full detail & flow chart, Directors, Shareholders, UBO, and registered address
  3. Money Laundering Documents: Assets & Liability Statements, Income & Expenditures Statements, Equity (deposit) proof


  1. Collateral: Full descriptions, brochure, valuation report (if available),
  2. Operation Profile:
    • Operator (self-operation or management, full details & terms conditions) or
    • Rental ( Tenancy profile, experience detail, financial strength/profile )
  3. Financial:
    • As an owned business/ operator: Past Operating accounts, Projected Accounts & Cashflow for new built / expansion or restructuring.
    • As an investor:  Tenant Operator profile, experience, team, financial Strength & accounts, Projected Accounts & Cashflow for new built / expansion or restructuring. Lease terms/break clause
  4. Purpose:  Purchase, Refinance, Restructure, Investments, Developments, Business purpose, Refurbishments


BUSINESS PLAN: Business plan to provide the following key information, for business finance 

Executive Summary of the current business 

  1. Company Description
  2. Market & Competitive Analysis.
  3. Description of Management and Organization
  4. Breakdown of Your Products and Services.
  5. Past accounts, P&L and income profile
  6. SWOT analysis

Executive Summary of your proposed finance requirement 

  1. Finance: Purpose of the proposed finance requirement, Amount, period, repayment strategy
  2. Projected P & L,  business forecast.
  3. Collateral: proposed collateral & guarantor, to support finance.
  4. Projected SPV & Management Structure  ( for any new acquisition, expansion, restructuring etc)
  5. Risk Mitigation Strategy: for any downfall
  6. Projected SWOT analysis

Private Client Finance FAQ?

How much can I borrow?

We can finance any ticket size. There is no upper limit for us to provide finance. Finance limit depends on the many factors as per the key factor listed. But in summary, most lender’s decision is based on the experience of the proprietors; security value; track record; business performance, affordability and a good business plan. If strong on all these criteria, 100% financing on very competitive rates is achievable.


Can I borrow with an adverse credit report?

Yes, you can. Whilst it is not ideal, we will look to understand your business, overall circumstances and your credit record and advise on the funding options open to you. We would strongly advise to inform us of any outstanding creditors, CCJs, arrears etc at the outset as this can save time, avoid unnecessary costs during the loan application process and position ourselves to place you with the right lender.


I operate in multiple locations.  Can I get the multicurrency finance?.

Yes, we can help you to get finance in most major currencies.


Can I get the finance to build the new premises for the business/corporate?

Yes, we can help you to get finance even with no building experience. We will advise you for the smooth financing procedure for the new build/expansion etc.


Can I get the finance for a closed SMEs  / corporate with no trading historical accounts?

Yes, we can help you to get the finance even with no historical accounts & experience. We will advise you for the smooth financing procedure for such an acquisition.

Private Client Finance Costs

The following costs should be considered at the time of availing the Private Client Finance:

  • Arrangement Fee: The arrangement fee or the facility fee, is usually charged by the lender as a set-up fee for the loan
  • Exit Fee: The fee is payable to the lender when repaying the loan
  • Consultant ees: These are the fees payable to the Broker for finding the best lenders and managing the application to completion
  • Valuation Fees: This is the fee that has to be paid to the valuer, who shall be instructed by the lender to furnish a report on the collateral/project
  • Legal Fee: Usually, the borrower would have to pay the legal fee for their own solicitors as well as the lender’s solicitors fee

Completion Timeframe

We always aim to bespoke the ‘Financing Time Plan and Finance T & C, to meet the individual requirement. Our standard indicative timeframe :

  • Initial Finance Terms: We usually provide Initial Finance Terms within 24-48 hours.
  • Emergency Finance:  We can complete the finance within 48 hours in case of any emergency or distressing situation.
  • Standard Finance:   We usually complete Standard Finance within 6-8 weeks.

Notes: Financing time frame & Finance T &C are always subject to providing all satisfactory documentation, full credit underwriting,  valuation and legal.

Jargon Buster

Please refer to the Knowledge Bank section for more information

Esteema Syndicate & Structured Financing Expertise provides the complete peace of mind. Please contact us in confidence for

‘Quick Decision – Quick Financing’


Contact us

Please send us the ‘DETAILED INFORMATION’  for the ‘Quick Decision & Quick Financing’

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