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Debt & Capital Solutions

Investment & Portfolio Finance

Senior and structured financing for income-producing real estate, investment assets and professional property portfolios across European markets.

Overview

Financing for stabilised real estate investments and professional property portfolios.

KSCG advises professional real estate investors, family offices and property companies on the structuring and placement of investment and portfolio finance.

Financing structures are aligned with asset value and quality, rental income, lease terms, occupancy, cash flow, leverage and the investor's long-term strategy.

Typical requirements

Where investment and portfolio finance is used

01

Investment Property Acquisition

Financing for the acquisition of leased and income-producing real estate by professional investors.

02

Refinancing

Refinancing of existing real estate debt to optimise term, pricing, leverage or capital structure.

03

Portfolio Finance

Financing at portfolio or holding-company level for multiple real estate assets within a single financing structure.

04

Capital Release

Releasing invested equity from existing real estate assets for new acquisitions or other investment purposes.

05

Portfolio Expansion

Financing structures that support the expansion of existing professional real estate portfolios.

06

Stabilisation & Long-Term Finance

Long-term financing for stabilised assets with predictable rental income and cash flow.

Capital structure

Senior debt and structured solutions for investors.

Investment finance can be structured as single-asset finance, a portfolio facility or a broader corporate real estate financing structure.

KSCG assesses which financing approach best fits the asset quality, cash flow, leverage, term and investment strategy.

Senior Investment Debt

Long-term senior financing from banks, debt funds and specialist real estate lenders.

Portfolio Facilities

Financing for multiple real estate assets within one facility, including cross-collateralised structures where appropriate.

Structured Debt

Bespoke debt structures for transactions or portfolios that do not fit fully within conventional bank parameters.

Capital Release

Refinancing structures designed to release available equity from existing real estate investments.

Underwriting

Key financing considerations

01

Loan to Value

Leverage relative to the underlying market value of the asset or portfolio.

02

Interest Coverage Ratio

Net rental income relative to the interest obligations of the financing.

03

Debt Service Coverage

Available cash flow relative to interest and any scheduled amortisation obligations.

04

Rental Income

The quality, scale, sustainability and diversification of contractual rental income.

05

Occupancy & Tenants

Occupancy, tenant quality, lease duration, expiry profile and any concentration risks.

06

Exit Strategy

Repayment through long-term refinancing, portfolio disposal or the sale of individual real estate assets.

Our approach

Structuring around value, cash flow and investment strategy.

KSCG analyses the real estate portfolio, rental cash flows, existing debt and investment strategy before determining the appropriate financing structure.

We identify suitable banks, debt funds and other capital providers, coordinate the market approach, compare financing proposals and support the process through closing.

01

Analyse

Review the assets, rental cash flows, existing debt, leverage and investment strategy.

02

Structure

Determine facility size, term, leverage and the appropriate financing structure.

03

Source

Identify banks, debt funds and specialist real estate lenders with relevant financing criteria.

04

Execute

Coordinate proposals, valuations, due diligence, documentation and closing.

Markets

Investment finance across European real estate markets

01

Netherlands

Financing for residential, mixed-use and commercial investment property and professional real estate portfolios.

02

Spain

Debt advisory for domestic and international investors in income-producing Spanish real estate.

03

European Markets

Cross-border investment and portfolio finance through institutional and alternative capital relationships.

Investment & Portfolio Finance

Discuss a real estate financing.

Speak with KSCG about financing structure, leverage, cash flow criteria and financing options for your real estate investment or portfolio.

info@kscg.nl →