Real Estate Lending
Yield from Lending, Secured by the Built Environment Private Credit Exposure with Real Asset Protection.
Secure yield and predictable cash flows with asset backed, short‐to‐medium term loans on income producing and development backed properties, structured for first-ranking security and resilient downside protection.
Strategy Overview
Resilient Real Estate Credit
Real estate credit sits at the intersection of asset-backed lending and contractual yield, offering investors stable returns secured by hard collateral.
Capiteq provides financing across residential, commercial, and mixed-use assets, targeting developers, property investors, and operators with proven track records. Transactions are structured as senior or mezzanine loans with conservative loan-to-value ratios and clearly defined exit strategies, such as asset refinancing or disposal.
Investment Overview
Asset-Backed Credit with Defined Exit
In uncertain markets, real estate lending offers downside protection through physical security and structured control over capital.
Compared to equity ownership, credit exposure benefits from fixed returns, defined maturities, and priority in the capital stack. Capiteq focuses on lending against income-producing or value-add assets, ensuring that debt service is supported by real cash flows or contractual sales proceeds. Returns are enhanced by origination fees, prepayment penalties, and fee-sharing structures without taking on the volatility of equity ownership.
Investment Snapshot
Key Investment Metrics
Targeting net returns of 9–11% per annum over a 12–36 month period, this strategy is underpinned by a diversified collateral base, conservative LTV ratios of 50–70%, robust legal security and clearly defined exit options.
Target Net Return
9%–11% p.a. (net of fees)
Loan Duration
12–36 months (bullet or amortising structures)
Collateral
Residential, commercial, and mixed-use properties
Security
First or second-ranking legal charge, personal guarantees, debentures
LTV Range
Typically 50%–70%, depending on asset type and phase
Distributions
Asset sale, refinance, or rental income coverage
Structure
Loan notes, direct lending SPVs, or co-investment vehicles
Investor Type
Institutions, family offices, UHNW, and credit-focused portfolios
Risk Management
Each loan is secured against real property, with legal charges registered and enforceable.
We conduct independent valuation, local market analysis, and legal due diligence to assess both asset quality and exit certainty.
Borrowers are required to provide equity contributions, personal guarantees, or cross-collateralisation to ensure alignment. During the life of the loan, we monitor project milestones, rental performance, or disposal progress, and retain step-in rights in case of covenant breach. This structure places investors in a protected position, above equity holders and subject to clearly defined recovery processes.
Investor Suitability
This strategy is designed for investors seeking a defensive, cash-flowing alternative to public credit or direct real estate ownership.
It suits portfolios prioritising capital preservation, regular income, and exposure to physical assets without taking on the volatility of property markets. It is particularly relevant for institutions, family offices, and income-focused private clients allocating capital into secured, real-asset credit.
Capiteq Note Programme
Luxembourg-based note structure for cross-border investors
Real Estate Lending SPVs
Dedicated deal-by-deal vehicles offering direct exposure to specific property loans
Club & Co-Investment Facilities
For LPs seeking bespoke participation in larger or repeat transactions
Feeder Funds & Managed Accounts
Available for family offices and wealth managers with reporting preferences
Contact Us
Deployment Options
Gain deeper insights into the structure, risk protections, and return profile.
Speak directly with Capiteq’s investment team to assess alignment with your mandate.
Reach out to start a conversation about how this strategy can fit within your portfolio.
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Global Reach, Personal Focus.
Capiteq combines global financial expertise with a personalised approach, delivering results that align with your unique goals. Contact us to find out how we can support you.
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- hello@capiteq.uk
- UK Office - 3rd Floor, 45 Albemarle Street, Mayfair, London, W1S 4JL
- UAE Office - 6th Floor, Meydan Grandstand, Meydan Road, Nad Al Sheba, Dubai, U.A.E
