Global Project Finance £500k +
At Quay Financial we go beyond domestic lending limitations to offer international finance and funding solutions.
While many lenders and borrowers operate within local norms and expectations, we provide finance and partner with global funding pools to structure cross-border loans tailored to your needs.
If your proposition aligns with our criteria, we can move quickly to deliver a formal funding offer.
Efficient and professional
We are well-versed in international lending practices and security structures. Transactions are handled with professionalism, confidentiality, and efficiency.
Fast funding
We complete loans on a regular basis, with funding typically available immediately. By thinking beyond conventional domestic models, we help solve complex borrowing challenges — fast.
If you can answer Yes, to the following we can help
Our Process & Timelines
Our loan process is structured in four clear stages, designed to be transparent, efficient, and responsive to your needs.
Following receipt of key information from you, we will conduct a prompt assessment to determine whether we are able to progress your application. If suitable, we will issue an Initial Agreement to proceed to the next stage—a Loan Letter of Intent. You will receive a response within 3 business days of submitting the requested documentation.
The Letter of Intent outlines the proposed terms of the loan and the steps required to move forward. Upon mutual agreement, we will begin preparing the Loan Commitment. During this phase, we will inform you of any additional requirements or actions necessary to advance. This stage typically takes 7 days to 4 weeks, depending on the complexity of the transaction and the timeliness of your responses.
This formal document sets out the agreed terms and the collateral offered. At this point, final surveys, appraisals, legal searches, and other due diligence are conducted. Legal representatives are appointed to manage all pre-completion matters.
Once due diligence is complete, the final Loan Contract and Security Documents are issued. Upon execution and pledge of security, funds are disbursed—typically within 1 to 3 business days. Completion is generally handled by your appointed legal counsel.
Range of indicative terms
| Term | Lowest | Highest |
|---|---|---|
| Completion Speed | 21 days | 3.5 months |
| Interest Rates~ | 6.0% pa | 18.0% pa (usually c12-13% pa) |
| Loan Terms | 6 months | 10 Years |
| Completion Fees (deducted from loan) | 2% | 4% |
| 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 | Monthly | End of Loan Term |
| Max LTV (Inc. additional Collateral) | 50% | 65% |
| Your Preparatory Costs Estimate | 1.5/3.0% | 2.5/4.0% |
Key Considerations Before You Proceed
Once a Loan Commitment is issued, funds are formally reserved for your transaction. Subject to meeting all completion requirements, your loan will be disbursed in accordance with the agreed terms.
Completion requirements are broadly consistent with those associated with secured commercial lending within your jurisdiction. While there may be minor differences in terminology or documentation standards across regions, the fundamental legal and procedural steps remain comparable.
Before engaging the Loan Commitment and incurring any legal or third-party costs, please ensure that all necessary documentation and conditions are in order. This helps avoid delays and ensures a smooth progression to funding.
Common Issues to Avoid
The most frequent causes of delay or transaction failure originate from borrower-side issues, including:
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- Overstated Collateral Valuations: Ensure the indicated value of the pledged assets aligns with current market conditions. Relying solely on personal estimates without independent validation can result in a failed valuation.
- Title or Ownership Complications: Collateral must be free from undisclosed encumbrances (unless previously agreed) and fully under the control of the borrower or an approved third party.
Where challenges arise, we can often restructure the loan or request additional security. However, this may extend timelines and increase costs. Minor variances between expected and final valuations are common and typically do not pose problems. All valuations are conducted by internationally accredited firms.
Loan Assessment & Documentation
Our loan underwriting is primarily focused on the quality and sufficiency of collateral security. While comprehensive business plans are not required, you should provide enough information for us to understand your business, its purpose, and your ability to service the loan. If you can demonstrate capacity to service interest payments in the early stages, interest retention may be reduced or waived.
Please note that in the event of a default, foreclosure proceedings against the pledged collateral may be initiated promptly.
Loan Costs and Considerations
Due to the international scope of these loan arrangements, associated preparation costs are generally higher than those for domestic loans. For larger loan requirements, you may find it beneficial to begin with a smaller loan and pursue a larger facility at a later stage—where practical.
If the loan is intended for asset acquisition, it may not be feasible to take a phased approach. However, if your funding is for ongoing development or staged projects, starting with a smaller facility may be a suitable option.
Please note that, as with any commercial financing, costs incurred during the loan preparation process are non-refundable should the transaction not proceed. With that in mind, we advise the following:
- Cost exposure is typically minimal from the initial review phase through to the execution of the Initial Agreement.
- Substantial costs are generally incurred upon signing the Loan Letter of Intent.
We therefore recommend that you prepare thoroughly during the early stages. Wherever possible, handle preparatory tasks in-house and ensure all submitted information—particularly valuations and appraisals—is accurate, realistic, and well-supported.
To initiate your loan enquiry, please complete our contact form, or reach out to us via email or telephone.