Borrow Funds and/or Collateral

At Quay Financial we step beyond conventional domestic lending protocols to offer fast, effective solutions

Many borrowers and lenders operate within familiar domestic frameworks, where lending practices are shaped by local precedents and expectations.

This can sometimes limit access to innovative or flexible funding solutions.

Collateral to support your loan

If your funding needs meet our criteria and your proposal is aligned with our objectives, we can provide additional collateral on a full-risk basis to support your loan application. This is possible because we maintain a dedicated reserve of collateral.

The collateral we offer is sourced and secured internationally. All financing is provided on a fully secured basis, with all counterparties experienced in cross-border transactions and international security arrangements.

Fast, effective funding

We hold and arrange funds in multiple major currencies such as USD, GBP, and EUR to facilitate international borrowers.

By stepping beyond conventional domestic lending protocols, we are able to offer fast, effective solutions to many of the challenges borrowers face in securing adequate funding, especially complex transactions and where the borrower has security and business in more than one country.

Process & Timeline

Our process is structured into four key stages, designed to ensure clarity, efficiency, and security throughout your funding journey.

1. Initial Review

2. Letter of Intent (LOI)

This document outlines the core terms of the proposed loan and the steps ahead. Once both parties engage under the LOI, we will activate and prepare any additional collateral required. At this stage, you’ll be informed of any further documentation or actions needed on your part to progress to the Loan Commitment stage.

Timeframe: Typically completed within 7 days to 4 weeks, depending on the transaction complexity and your responsiveness.

3. Loan & Collateral Commitments

Here, we formalise the loan terms and detail the collateral being pledged. Final due diligence steps—such as surveys, valuations, and legal reviews—are carried out, and legal counsel is appointed to prepare for completion.

Timeframe: This stage generally takes between 2 weeks and 2 months, depending on the transaction type and the efficiency of all parties involved (including surveyors, legal teams, and you).

4. Loan Contract & Security Documents

Range of indicative terms

Term	Lowest	Highest
Completion Speed	21 days	3.5 months
Interest Rates~	6.0% pa	24.0% pa (usually c12-13% pa)
Loan Terms	6 months	10 Years
Completion Fees (deducted from loan)	4%	8%
Recurring Fees (Excluding Interest)	None	None
Early Repayment Penalties	None	None
Interest Retention	None	6 months
Repayment Frequency – Interest	Interest Monthly	Interest Monthly
Repayment - Loan Capital	End of Loan Term	End of Loan Term
Max LTV (Inc. additional Collateral)	50%	70%
Your Preparatory Costs Estimate	2.5/3.5%	3.0/4.0%

~ Interest rate ranges are broad as this covers all permutations from no additional collateral needed all the way through to the maximum levels of additional collateral security we will place.