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Business & Shipping Loans

Specialized Funding Solutions from International Banks and Investment Funds

We facilitate access to a broad array of institutional financing mechanisms: US and European private debt funds, placement agents for global capital raises, vessel asset financing under English Law, Bank Guarantee monetisation mechanisms (BG Mechanism), and UK mortgage loans.

Request Financing ReviewUK Mortgage LoansExplore Financing Options

Equity Participation Guideline (30%)

For all financing paths, projects where the borrower contributes at least 30% in sponsor equity benefit from markedly higher approval rates and accelerated processing.

UK Mortgage Loans from International Banks

Specialized mortgage financing for real estate acquisitions in the United Kingdom for non-UK resident individuals and corporate entities:

UK Property Acquisition

UK property acquisition (residential use or buy-to-let rental investment)

Portfolio Refinancing

Refinancing and equity release of existing UK real estate investments

Custom Facilities

Alternative commercial investment scopes subject to prior bank review and approval

Key Credit Terms & Parameters for UK Mortgages

Credit Type

Secured Mortgage Loan (Enypothiko Stegastiko)

Borrower Profile

Non-UK resident individual. Legal entities eligible subject to case-by-case bank evaluation.

Facility Currency

British Pound (GBP), Euro (EUR), US Dollar (USD)

Loan Amount

From €700,000 (or equivalent in GBP/USD) up to €14,000,000 maximum

Interest Rate

From 6.00% p.a. upwards (determined on a case-by-case assessment)

Tenor & Amortisation Profile

Up to 3 years for GBP loans, up to 5 years for EUR or USD. Monthly instalments are calculated on a 15-year amortisation basis for affordability. Upon consistent repayment, the term can be extended up to 15 years; otherwise, the outstanding balloon balance matures at 3 or 5 years.

Collateral & Security

Prime UK real estate (strong bank preference for major British metropolitan centres). Mandatory building insurance.

LTV & Equity Contribution

LTV 60% – 70%. Minimum 30% borrower equity contribution towards purchase price, supported by verifiable Proof of Funds and Source of Wealth documentation.

Permitted Property Usage

Residential occupancy (buyer can occupy or lease to residential tenants; strictly residential use required).

Independent Valuation

Comprehensive valuation report by recognized appraisal firm (Knight Frank, Colliers, Savills, Cluttons, or other bank-approved valuer).

Bank Fees & Advisory Pricing

Bank arrangement & origination fee: 2% of facility amount. Prepayment penalty: 2% of the prepaid principal. Advisory fee: €1,000 | Success fee: 1% upon loan drawdown.

The acquired UK property serves as primary collateral (legal mortgage), alongside any other approved property owned by the borrower.

Financing Channels & Structures

Select the funding vehicle aligned with your project scope, sector dynamics, and capital requirements.

US Investment FundMin $3M

Commercial Real Estate & Asset-Backed Lending

Direct debt financing from an affiliated US investment fund featuring flexible interest-only repayment structures and no prepayment penalty.

  • Terms: Loan Term: 1 to 3 years interest-only with zero prepayment penalties
  • Collateral: Collateral: Commercial real estate; other fixed industrial/operating assets considered on merits
  • LTV: Loan-To-Value: Up to 65% of collateral value. Staged funding up to 60% of improved value for construction or major renovation
  • Interest: Interest Rate: Starting at 9% interest-only. In lieu of equity participation, a flat fee of 2-7% may be paid
Minimum Loan Size: $3,000,000Submit Project →
Global Investment Banking / Placement$10M – $200M+

Institutional Placement & Global Capital Raising

Partnership with an institutional placement agent experienced in the Greek and international market, operating across Europe, Africa, Latin America, and East Asia.

  • Advises across all private market sectors (agriculture, infrastructure, logistics, transportation, mining, manufacturing, oil & gas, healthcare, and financials) seeking $10m – $200m+ in equity, convertible, and senior debt capital.
  • Investment Segments: Venture (teams with proprietary market access), Growth (operating expansion), Recapitalization (equity sale/ownership restructure), Distressed (refinancing high leverage debt).
  • Indicative Pricing: Senior debt 8-12%, Subordinated debt 12-16%, Equity 17-22%. Typical timeframe: 4-6 months.
  • Fee Structure: Advisory upfront fee of $30,000 – $50,000 (two instalments) and success fees (1.2% for debt / 4.5% for equity) upon financial closing.
Execution Timeline: 4 – 6 monthsPlacement Advisory →
European BanksTier-1 EU Banks

Corporate Project Financing & Banking Track Record

Commercial funding from major European banking institutions. Application is formally submitted following the establishment of a proven corporate banking relationship and verified transactional activity.

  • Establishment of corporate business account and accumulation of positive turnover history
  • Credit dossier preparation aligned with bank risk appetite and verifiable cash flow patterns
  • Access to operating credit facilities, project lending, and commercial expansion capital
Corporate Account RequiredOpen Bank Account →
Institutional Instruments€100M+

Financing via Bank Guarantee (BG Mechanism)

Specialized financing structure for large-scale institutional projects exceeding €100 million involving the issuance, confirmation, and monetisation of Bank Guarantees / SBLCs.

Initial commitment fee of €10,000 (fully refundable until formal financing contract is executed with the institution/fund). Upon loan drawdown, a 2% success fee applies.

Commitment Fee: €10,000 (Refundable)Financial Instruments →
UK Start-Up & Enterprise

Financing through UK Company Formation

Incorporating a UK LIMITED company enables access to British commercial lending and startup enterprise funding programmes, evaluated on business plan merit and executive interview.

UK company formation
Shipping Finance

Vessel Financing via European Banking Institution

Dedicated maritime and ship financing under English Law terms for the acquisition and refinancing of transport vessels.

Eligible Vessels

Eligible Vessels: Commercial cargo/transport vessels up to 25 years of age (up to 20 years for tankers) at final loan maturity

Loan Amount & Coverage

Loan Amount: From USD 2,000,000 with debt coverage up to 70% LTV

Interest Rate & Commission

Interest Rate: 6% – 9% p.a. (USD / EUR) | Bank Commission: 1%

Tenor & Repayment

Tenor: Up to 5 years (with repayment schedule profiled over up to 10 years)

Security & Guarantees

Primary Security: First preferred ship mortgage, share pledges, corporate and personal guarantees of the ultimate beneficiaries

Legal Framework & Conditions

Key Conditions: 100% of vessel operating turnover channelled through bank accounts. Legal fees covered by borrower (approx. $30,000 first vessel + $5,000 per additional vessel).

Loan documentation fully governed by and construed in accordance with English Law.Request Shipping Finance

Seeking Business, Shipping, or UK Property Financing?

Financial Counseling Services LTD leverages a proven cross-border network across Europe and the US to structure your customized loan facility.

Request Personalized Advisory