Services

What we arrange, and what we decline.

Six desks, one view of security, currency and documentation. We take work we can place honestly and turn down work we cannot, which is why lenders take our calls.

Desks on this page
06
Sectors arranged
24
Lenders on the panel
280+
Fee before terms
None

00 / Sequence

How a mandate runs

No fee is charged before terms, so none of this is speculative for you. It is the order that stops a file being priced twice.

  1. 01 / 04

    Mandate

    We map the requirement: size, currency, security available, jurisdictions involved and the calendar the money is needed by. No fee for the first conversation.

  2. 02 / 04

    Structuring

    The requirement is turned into a financeable structure. Security, covenants and currency mechanics are settled on paper before any lender sees the deal.

  3. 03 / 04

    Placement

    The mandate goes to the lenders on our panel who actually do this kind of business. Indicative terms are compared like for like and negotiated.

  4. 04 / 04

    Close

    Due diligence, documentation and conditions precedent, shepherded to drawdown. We stay in the room until the money moves.

City towers lit at night
01 / 06 Cross-Border Loans
Indicative ticket
£2m to £150m
Tenor
1 to 10 years
Pricing benchmark
SONIA, SOFR or EURIBOR plus margin
Typical security
Share pledges, mortgages, guarantees

File 01

Cross-Border Loans

Borrowing in one country, secured in another.

Most lenders like borrowers they can see from their own window. When your revenue is earned in three countries and your assets sit in a fourth, the usual relationship bank runs out of answers quickly. That gap is where we work.

CAD Brokers arranges senior, mezzanine and unitranche facilities for companies operating across jurisdictions. We know which regional banks lend against foreign security, which funds will take an upstream guarantee, and how to get security packages perfected in countries where the land registry still runs on paper.

  • Multi-jurisdiction security packages and opinions
  • Foreign currency facilities, hedged or unhedged
  • Club deals and syndication across regional banks
  • Refinancing and recapitalisation of existing cross-border debt
  • Intercreditor coordination between senior and junior lenders
  • Cross-guarantee, upstream and downstream structures
Shipping containers stacked in a port terminal
02 / 06 Trade & Export Finance
Indicative ticket
$500k to $75m
Tenor
30 days to 5 years
Structures
Recourse and non-recourse
Coverage
All 135 CAD Brokers markets

File 02

Trade & Export Finance

Getting paid across an ocean, on terms both sides accept.

A sale is not a sale until the money lands. Between the contract and the cash sits a stack of documents, a bank or four, and usually one counterparty who wants 90 days of credit and another who cannot afford to give it.

We arrange the instruments and the funding that keep goods moving: letters of credit issued and confirmed by banks both sides trust, receivables finance that pays you now and collects later, and structured pre-export facilities for producers who need working capital against future shipments.

  • Letters of credit: issuance, confirmation and discounting
  • Receivables purchase and invoice discounting, recourse or non-recourse
  • Forfaiting of medium-term export receivables
  • Pre-export and prepayment facilities for commodity producers
  • Supply chain and payables finance programmes
  • Buyer credit for capital goods exports
Currency and market charts on screens
03 / 06 FX & Currency Risk
Instruments
Spot to 24 months
Providers
FCA-regulated institutions only
Review cycle
Quarterly, or on deal flow
Minimum review
Groups with two or more currency pairs

File 03

FX & Currency Risk

Because a good margin can disappear inside a currency pair.

Companies rarely lose money on cross-border work because of the deal. They lose it on the currency: a sterling borrower with dollar revenues, a European supplier paid in dollars, a dividend that has to travel home twice a year through a volatile pair.

CAD Brokers reviews the exposure the way an auditor would, then arranges the instruments that fix it: forward programmes sized to real cash flows, collars that cap cost without capping the upside, and multi-currency banking that stops every conversion happening at the worst moment. Hedging is placed with FCA-regulated institutions; our job is the design, the introduction and the pricing negotiation.

  • Forward programmes matched to contracted cash flows
  • Options and collars for two-way protection
  • Natural hedge reviews across the group structure
  • Multi-currency account and settlement arrangements
  • Currency clause drafting for commercial contracts
  • Board-level FX policy documentation
Construction cranes and towers in a growing skyline
04 / 06 Project & Infrastructure Finance
Indicative ticket
$20m to $500m
Tenor
Up to 20 years
Security
Project assets, contracts and insurances
Sizing
Modelled on contracted cash flows

File 04

Project & Infrastructure Finance

Capital for things that take years to build and decades to pay back.

Project finance is a talent for detail disguised as a talent for money. The structure is only as strong as the offtake contract, the permits, the EPC wrap and the many other documents the lenders will read twice.

We act for sponsors and developers raising limited recourse debt across our coverage markets: renewable power in Iberia, logistics platforms in the Gulf, data centres in Northern Europe. CAD Brokers builds the financial model into a lending case, identifies the export credit agencies and development finance institutions that belong in the group, and manages the syndication to close.

  • Limited recourse and non-recourse structuring
  • ECA and DFI participation and coordination
  • Contracted and merchant power, storage and grid assets
  • Digital infrastructure: data centres and fibre
  • PPP bids and availability-based structures
  • Refinancing and repricing of operating projects
Finished residential interior with floor-to-ceiling glazing
05 / 06 Real Estate & Development Finance
Indicative ticket
£1m to £75m
Senior leverage
Up to 70% LTC
Tenor
6 months to 5 years
Markets
UK, Europe, Gulf and selected APAC

File 05

Real Estate & Development Finance

Bricks in one country, balance sheet in another.

Property does not respect borders and neither do our lenders. A sponsor with sites in Portugal, family money in Geneva and a track record in London needs a lender who can read all three, and a security package that works in each jurisdiction.

CAD Brokers arranges the full stack: senior development facilities from cleared banks and debt funds, stretch senior and bridging where time matters more than price, mezzanine and preferred equity for the gap, and investment facilities against stabilised income. We negotiate the facility agreement, not just the headline rate, because the covenants are where developments are won and lost.

  • Senior development facilities, residential and commercial
  • Bridging and stretch senior for time-sensitive purchases
  • Investment facilities against stabilised income
  • Mezzanine and preferred equity for the capital stack
  • Cross-collateralisation across portfolios and borders
  • Exit strategy review and sales-period facilities
Two parties shaking hands over a signed agreement
06 / 06 Corporate Structured Finance
Indicative ticket
£5m to £100m
Tenor
2 to 7 years
Structures
Senior, mezzanine and hybrid
Decision speed
Indicative terms within 10 working days

File 06

Corporate Structured Finance

For the situations a standard facility will not touch.

Some situations need a structure, not a bigger overdraft. A management buyout with most of the value in contracts. A group that has outgrown its covenants. An asset-heavy business the rating agencies cannot classify and the banks cannot fit.

We arrange private credit, asset-backed facilities and hybrid structures for exactly those cases. CAD Brokers maintains relationships with direct lenders, credit funds and specialty finance houses that price complexity rather than refuse it, and we sit between them and your lawyers until the documentation reflects the deal that was actually agreed.

  • Unitranche and private credit facilities
  • Asset-based lending against receivables, stock and plant
  • Acquisition and management buyout finance
  • Special situations and covenant re-papering
  • Structural subordination and holdco instruments
  • Working capital facilities alongside event finance

07 / Beyond the six desks

The same panel, applied sector by sector.

Much of what the desk arranges sits outside the six headings above. These are the sectors we hold lender relationships in, and the list is why an unusual requirement usually has somewhere to go.

  • 01Property development finance
  • 02Property refurbishment and refinance
  • 03Commercial property mortgages
  • 04Buy-to-let and HMO mortgages
  • 05Short-term bridging loans
  • 06Pubs, hotels, restaurants and leisure
  • 07Agricultural and farming finance
  • 08Nursing care homes and day nurseries
  • 09Professional practice loans
  • 10Asset leasing, contract hire and sale-leaseback
  • 11Factoring and invoice finance
  • 12Trade and stock finance
  • 13Business acquisition and refinance
  • 14Business loans, secured and unsecured
  • 15Working capital and cashflow facilities
  • 16Grants, EFG-style support and loan schemes
  • 17Start-up and new business finance
  • 18Regulated residential and self-build mortgages
  • 19Regulated equity release
  • 20International property mortgages
  • 21Peer-to-peer and private lending
  • 22Property and business valuations
  • 23Capital allowance reclamation
  • 24Business and personal insurances

Indicative terms shown are illustrations

Bring the real requirement.

Every facility is priced on its own file. The figures on this page tell you where conversations start, not where they end.

Not a lender

We are not a lender. We arrange finance through the lenders on our panel and the credit is provided by them. Approval, pricing and terms are decided by the lender, and every facility is subject to status, affordability and the lender's own credit assessment.