Special Situations & Structured Capital
Structured & Special Situations Capital is designed for complex transactions and adverse scenarios that fall outside conventional lending criteria.
We structure bespoke capital solutions for UK and international clients facing financial stress, ownership disputes, regulatory sensitivity, distressed assets, or transitional challenges — where traditional institutions are unable or unwilling to engage.
Our approach focuses on stabilisation, structured recovery, and strategic repositioning with clear exit visibility and disciplined execution.
We support most types of situations capital requirement
Repossession, Administration, IVA & Bankruptcy Support
We advise clients facing repossession proceedings, administration, IVAs, or bankruptcy-related restructuring. Our approach prioritises asset preservation, structured settlements, and stabilisation strategies to avoid forced disposals where legally permissible. Capital solutions are aligned to restore financial control and long-term stability.
Situation Recovery Under Adverse Backgrounds
We support clients operating under adverse circumstances, provided there is identifiable asset value or a credible recovery pathway. Our assessment focuses on fundamentals — asset strength, operational potential, and exit clarity — rather than historic credit events alone. The objective is structured recovery with controlled execution.
Credit & Financial Adversity
We structure capital solutions for impaired credit profiles, legacy defaults, covenant breaches, arrears, or restricted banking access. Funding is engineered around asset quality and recovery strategy rather than conventional credit scoring. Each structure prioritises risk mitigation and defined exit routes.
International Clients with Adverse Backgrounds
We support select international clients facing cross-border credit challenges, regulatory scrutiny, jurisdictional constraints, or reputational complexity. Subject to applicable UK and international legal frameworks, solutions are structured with enhanced compliance alignment and transparent governance. Our focus remains asset-backed recovery, capital preservation, and execution certainty.
Regulatory, Compliance & Sanctions-Related Constraints
Certain mandates involve enhanced due diligence, AML scrutiny, or cross-border compliance complexity. We structure solutions within applicable regulatory frameworks, ensuring governance integrity and risk mitigation. Every transaction is assessed with strict legal and compliance alignment.
Legal, Dispute & Settlement Situations
Litigation, contested ownership, creditor disputes, or shareholder disagreements can materially restrict liquidity. We structure capital to facilitate orderly settlements and protect asset value during resolution. The focus is controlled outcomes and avoidance of distressed disposals.
Family, Partnership & Corporate Settlements
Family restructuring, partnership exits, divorce settlements, or shareholder deadlocks require discreet and neutral capital solutions. We support ownership realignment while preserving long-term asset value. Execution is handled with confidentiality and strategic discipline.
Corporate & Group-Level Restructuring
Complex group structures, legacy guarantees, cross-collateralisation, or SPV misalignment can constrain growth. We structure recapitalisation and hybrid solutions to stabilise leverage and clarify ownership. The objective is restored balance-sheet strength and strategic flexibility.
Repositioning & Distressed Repositioning Capital
We provide capital for underperforming or distressed assets requiring operational, structural, or capital-stack repositioning. Solutions may support change-of-use, turnaround strategies, or lender pressure scenarios. The aim is stabilisation today and value enhancement tomorrow.
Transitional & Turnaround Scenarios
Stalled developments, underperforming hospitality or healthcare assets, and obsolete commercial properties often require transitional capital. We structure funding aligned to realistic recovery timelines and defined exit strategies. Each mandate is engineered for stabilisation and long-term repositioning success.
Esteema Special Situations & Capital Partners Expertise
(Real Estate | Hospitality | Healthcare | Corporate | International)
Debt | Equity | Joint Venture | Hybrid Capital | Strategic Transactions
Leveraging deep experience in complex, time-sensitive, and adverse scenarios, Esteema Capital Partners delivers structured capital and transaction solutions across the UK and international markets. We combine diversified capital access with rapid execution capability — enabling clients to stabilise situations through funding, strategic asset transactions, or a combination of both.
Our approach is capital-markets driven, execution-led, and outcome-focused — providing certainty where traditional institutions are unable or unwilling to engage.
Estimated Funding & Transaction Delivery – Special Situations Expertise
Instant & Diversified Capital Access
Privileged access to private credit funds, family offices, institutional lenders, and structured capital partners enables rapid deployment of senior debt, mezzanine capital, preferred equity, joint ventures, and hybrid capital. Solutions include bridge-to-settlement, bridge-to-repositioning, and recapitalisation structures tailored to adverse or transitional scenarios.
Situational Competency & Specialist Expertise
Deep expertise in handling complex circumstances including adverse credit profiles, regulatory sensitivity, disputes, restructuring, repossession, administration, IVAs, bankruptcy-related restructuring, and distressed repositioning. Each mandate is assessed on asset fundamentals, recovery pathways, and exit clarity rather than historic constraints alone.
Speed, Certainty & Decisive Execution
Special situations require urgency. Our streamlined underwriting, direct capital access, and senior-level decision-making enable “Quick Decision – Quick Funding” while maintaining institutional discipline, governance, and execution certainty.
Structural Flexibility & Bespoke Solutions
Highly flexible capital and ownership structures including multi-layered capital stacks, equity-linked instruments, SPV restructuring, cross-border solutions, and multi-currency facilities. Structures are engineered to stabilise assets, preserve value, and deliver realistic recovery and exit options.
Immediate Transaction & Asset Disposal Capability
Where funding is not the optimal solution, our specialist transaction team can execute rapid asset disposals, portfolio sales, or structured exits. We provide immediate transaction support to sell assets toward either capital resolution or strategic exit — ensuring value preservation, controlled execution, and alignment with recovery objectives.
Client Outcome Advantage
By combining diversified capital access, specialist situational expertise, execution speed, structural flexibility, and immediate transaction capability, Esteema delivers a unique advantage in special situations — enabling clients to stabilise adverse positions, execute strategic asset sales where required, avoid forced disposals, and restore long-term capital market credibility.
Sectors We Cover
We provide Special Situations & Structured Capital solutions across a broad range of asset classes and operating sectors, combining sector intelligence with capital engineering expertise.
Real Estate: Commercial, mixed-use, residential portfolios, development assets, investment properties, income-producing assets, and repositioning mandates.
Hospitality: Hotels, serviced apartments, leisure assets, operational repositioning, OpCo/PropCo structures, and distressed or transitional hospitality platforms.
Healthcare: Care homes, medical centres, specialist healthcare facilities, operating healthcare businesses, and healthcare real estate under regulatory or capital stress.
Corporate & Operating Businesses: SMEs, mid-market corporates, asset-backed trading businesses, holding structures, and group-level recapitalisation scenarios.
Special Situations & Transitional Assets: Distressed assets, turnaround mandates, cross-border SPVs, complex ownership structures, and multi-jurisdictional restructuring cases.
We have successfully supported numerous challenging transactions, unlike conventional channels, which could not perform.
“Unlock Capital- Transform Assets – Maximise Returns‘
Esteema Distressed Situation Financing | Traditional Financing | |
|---|---|---|
| ✓ Any Purpose Finance | Purchase, New Built, Investment M&A, Restructure etc | No |
| ✓ Any Type Finance | Short Term, Medium-term ,Long-Term Loan | No |
| ✓ Any type of Hospitality | Yes | No |
| ✓ Any Borrower (UK & International) | Yes | No |
| ✓ ANY SPV (UK or Offshore) | Yes | No |
| ✓ Any Location (UK or Globally) | Yes | No |
| ✓ Multi-Currency & Cross Border Funding | Yes | No |
| ✓ Loan Size | No Upper Limit | Very Restricted |
| ✓ Leverage | Up to 70% | Very Restricted |
| ✓ Interest Rate | from 1.75% + | From 4%+ onward |
| ✓ Bespoke & Flexible Terms | Yes | No |
Key Factors Affecting Special & Distressed Situation Financing
Borrower Profile
✓ Personal & Business profile
✓ A & L & Income profile
✓ Guarantor Profile ( if any)
✓ SPV Structure & Location
Collateral Profile
✓ Real Estate / Business Premises Valuation
✓ Business Going -Concern Valuation
✓ Additional collateral valuation
✓ Tenancy / Covenant lease terms, if any
Financial
✓ Past Accounts (Personal & Business)
✓ Assets & Liability / Income profile
✓ Projected P&L, cashflow
✓ Projected covenant terms
Special & Distressed Situation Finance Guide
Special & Distressed Situation Finance Documents
Following are the standard documents subject to the purpose of the finance
BORROWER INFORMATION
- KYC: ID, Address proof, Personal & Professional profile about the hotel industry experience, Credit report for all the Borrower, Director, Partners & Major Shareholders
- Borrowing Structure: Personal /Partnership/Corporate structure full detail & flow chart, Directors, Shareholders, UBO, and registered address
- Money Laundering Documents: Assets & Liability Statements, Income & Expenditures Statements, Equity (deposit) proof
COLLATERAL INFORMATION
- Collateral: Full descriptions, brochure, valuation report (if available),
- Operation / Business Profile:
- Operator (self-operation or management, full details & terms conditions) or
- Rental ( Tenancy profile, experience detail, financial strength/profile )
- 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
- Purpose: Purchase, Refinance, Restructure, Investments, Developments, Business purpose, Refurbishments
Special & Distressed Situation Finance FAQ?
How much can I borrow?
This really does depend on the many factors as per the key factor affecting the special situation finance. 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, we can help with up to 100% financing ( with additional collateral) 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 personal & 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 am a first-time business owners/investor. Can I get finance?
Yes, we can help you to get finance even with no experience. We will advise you for the smooth financing procedure.
Can I get the finance for a closed business 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.
Hotel & Leisure Finance Costs
Completion Timeframe
We provide initial terms within 48 hours and can complete the Hotel & Leisure Finance in 6-8 weeks, subject to providing satisfactory documentation, Valuation and legal on time.
Special & Distressed Situation Finance Costs
The following costs should be considered at the time of availing the Special & Distressed Situation 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
- Broker Fees: 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
About Esteema Capital Partners
Esteema Capital Partners (London-based Multi-Family Private Office) operating across the UK and prime global markets, delivering capital-led structuring and execution across complex transactions.
We operate through three strategically complementary areas of expertise. We invite you to explore each division to fully benefit from our integrated strategic platform and unlock the complete value of our capital-led advisory approach.
1. Esteema Capital Funding & Investment Partners
2. Esteema Strategic Estate & Asset Transaction Partners
3. Esteema Strategic Consultancy Partners
Collectively, our integrated platform ensures that capital strategy, asset transactions, and governance advisory operate cohesively — supporting our clients’ long-term growth, capital preservation, and strategic objectives across real estate, hospitality, healthcare, and corporate investments.
























