01276 586 377 [email protected]

We will arrange your Mezzanine Finance fast; exceptional service is guaranteed

We get great mezzanine deals because we use all types of lender

We act fast to secure your funding. No excuses, no nonsense

Get exceptional service from your dedicated broker who will tailor your solution

We will arrange your Mezzanine Finance fast; exceptional service is guaranteed

We get great mezzanine deals because we use all types of lender

We act fast to secure your funding. No excuses, no nonsense

Get exceptional service from your dedicated broker who will tailor your solution

Helping you to Xcel

Borrow up to 85% of your Development Value (GDV)

Loans from £100k to £25m

Rates from 0.7% per month

All mainland UK sites 

We work alongside all major Senior Debt lenders

Adverse credit accepted 

Rates from 2.5% pa to 2% p.c.m

Lend for 3 to 36 months 

When is Mezzanine Finance used?

• You already have senior development finance in place

• You need to borrow more capital

• Your existing lender will not lend any more for the project 

• A new lender requires more capital than you have available

• Your project GDV was undervalued during application

Why Xcel?

We created Xcel Finance for property professionals who expect more from their finance broker. We help clients deliver meaningful projects all across the UK, and we create great relationships along the way. We promise that working with us, you’re setting your project up for success.

Discuss your project

Whether you’re an experienced property developer or planning your first project, our specialists are the best there is at sourcing, negotiating and delivering an excellent finance deal for you.

“Jamie made the process easy and supported us through the whole thing.  No challenge was too big and there was always a way through, around or over.  Thanks for your help it made a huge difference.  We would definitely recommend Excel Finance. 

Matthew | Property Developer | South Wales

” Excellence” The only word for Xcel Finance.

From start to finish Jamie couldn’t be more helpful. Every step explained and executed with professionalism and precision. Finding the best solution for our finance was amazing. With Jamie’s knowledge he fills you with confidence you can achieve your goals.

We can’t recommend Xcel Finance enough.

Terry & Kathy | Brighton | First Time Property Investors

Excellent Exceptional Xcel. Jamie exceeded all expectations with such a cool and calming caring understanding nature, We were definitely an exception to the rule.

We cannot thank him enough for finding funding that has allowed us to finish a very special restoration of a listed building, (grand design dilemma, bank won’t lend money, owners despair)

He is forever in our thoughts, and has restored my faith in the whole financial world, I thought they were all against me, and was petrified of losing our home and all our efforts. Back to work, house to restore and get ready for sale. 

Carol & Kevin | Gloucestershire | Bridging Finance Clients

“I was amazed how quickly they were able to get my funding in place.  Great service. Would highly recommend Xcel Finance.”

Carol | Gloucestershire | Bridging Finance Customer

“Jamie made the process easy and supported us through the whole thing.  No challenge was too big and there was always a way through, around or over.  Thanks for your help it made a huge difference.  We would definitely recommend Excel Finance. 

Matthew | Property Developer | South Wales

” Excellence” The only word for Xcel Finance.

From start to finish Jamie couldn’t be more helpful. Every step explained and executed with professionalism and precision. Finding the best solution for our finance was amazing. With Jamie’s knowledge he fills you with confidence you can achieve your goals.

We can’t recommend Xcel Finance enough.

Terry & Kathy | Brighton | First Time Property Investors

Excellent Exceptional Xcel. Jamie exceeded all expectations with such a cool and calming caring understanding nature, We were definitely an exception to the rule.

We cannot thank him enough for finding funding that has allowed us to finish a very special restoration of a listed building, (grand design dilemma, bank won’t lend money, owners despair)

He is forever in our thoughts, and has restored my faith in the whole financial world, I thought they were all against me, and was petrified of losing our home and all our efforts. Back to work, house to restore and get ready for sale. 

Carol & Kevin | Gloucestershire | Bridging Finance Clients

“I was amazed how quickly they were able to get my funding in place.  Great service. Would highly recommend Xcel Finance.”

Carol | Gloucestershire | Bridging Finance Customer

Find out more about Development Finance

What is Mezzanine Finance?

Mezzanine finance works to bridge the gap between a development loan and the amount of funds you have to put into the project.  The Mezzanine funder will usually take a second charge on the development, sitting behind the first charge of the ‘senior debt’ loan provider. Mezzanine funding can help to reduce the amount of deposit that you have to raise to get projects running.

How much can I borrow?

We can help you borrow up to 85% of your Development Value, or up to 95% of your costs. If you need to borrow 100% of your costs, then we do have Joint Venture funding available, please get in touch. 

Can I do the work myself?

So long as you have experience of completing similar projects, then this won’t be an issue.  If it’s your first project, or if it’s an increase in project size then there will be some areas we may need to look at such as

Can I re-finance an existing loan?

Yes, whether you need to borrow more than originally planned, or you want to divert your budget into a new project; we can help you by using Mezzanine Finance.

What costs are involved?

The upfront costs that should be budgeted for are typically a valuation report on the property/project, and for legal costs (for you and the lender).  Any other costs involved such as arrangement fees can be added to the loan so don’t need to be budgeted for up-front.

Can I apply to a lender direct?

Historically, your bank may have offered you a loan for property development.  In today’s climate, there are a variety of complex factors to consider when choosing the correct lender.  Although some lenders may accept direct applications, we’d suggest working with a broker who can choose the right lender for you.  You’ll be secure in the knowledge that you don’t run the risk of funding falling through, and that you’re getting the best deal. 

Mezzanine finance is top up funding, which fills a gap when there is disparity between a developer’s equity and the amount the main lender will provide.

Mezzanine finance is usually secured funding; having a second charge over the property in question, allowing your initial lender to hold at first charge.

We understand that you need strong cash flow, which is why we can assist you in accessing mezzanine funding.

Talk to an expert Broker today

01276 586 377

Ask us a question

Talk to an expert Broker today

01276 586 377

Ask us a question

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