Structured Credit Solutions

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Downing Structured Credit Solutions

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Downing provides structured credit solutions to specialist property lenders. We work with established lenders and experienced management teams to provide flexible, tailored funding that supports growth and helps businesses scale their lending activities.

Through block discounting facilities or structured funding, we deliver dependable capital with facilities from £5 million to £50 million and beyond. Backed by more than 40 years of heritage and deep lending expertise, we provide clear answers quickly and certainty throughout the funding process

Our approach

Everything we do is guided by three core pillars.

A clear answer, quickly

Our team of highly experienced professionals is dedicated to crafting tailored solutions that match your needs. We leverage our deep knowledge to deliver funding solutions.

A lender that stays close

Unlike traditional banks, we take pride in our commitment to quick and transparent decision-making processes. There are no hidden risks or convoluted underwriting departments to contend with, and we don't spring any last-minute changes.

Growing with you

With decades of industry experience, we understand that real estate developments can encounter unforeseen challenges and external events. We stand by your side, working collaboratively to navigate any issues that may arise.

What we typically look for in a lender:

Experienced and stable management teams: minimum five-year trading history
Net worth: minimum £1m
Existing loan book: demonstrably performing portfolios

Loan-on-loan

Provide a proportion of the lender’s advance to a borrower, typically at an advance rate of 70% - 90%. The lender typically injects 10% - 30%, which remains subordinated to us.

Meet the team

Parik Chandra

Partner and Head of Private Credit

Gemma Squirrell

Head of Portfolio and Transaction Management

Nigel Alexander

Investment Director

Luke Randell

Associate Director

What we lend on

Four lending capabilities, one underwriting standard.

Residential Real Estate Lending

Bridging, stretched senior development finance, construction and development exit, for residential, mixed use, student accommodation and similar schemes.

Loans of £2m-£50m

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Commercial Real Estate Lending

Senior and whole lending against a broad range of commercial real estate sectors and asset classes, for professional sponsors and operators.

Loans of £2m-£200m

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Healthcare Real Estate Lending

Senior and whole lending against healthcare and social infrastructure assets, underwritten by a team that understands these as operating assets, not just buildings.

Loans of £15m-£200m

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