The situation
Below £5m the market is dominated by challenger banks and specialist lenders; above £5m the panel changes materially. Institutional lenders, private banks and pension-fund-backed originators actively want large single-asset deals.
How we approach it
We route large deals to the right tier of the market — sometimes a boutique commercial lender, sometimes a private bank, sometimes a syndicated club. Pricing and structure both scale with quality.
What that looks like in practice
- £5m-£50m+ single-asset commercial loans
- Institutional lender panel — insurance funds, pension-fund debt, private banks
- Structuring: bullet vs amortising, interest-only, fixed vs floating
- Cross-border currency options where relevant
- Legal and structural work handled by specialist commercial teams
Typical timeline
- Weeks 1-3Deal overview, lender introductions.
- Weeks 3-10Formal submission, credit approval, valuation.
- Weeks 10-16Legals, drawdown.
Common questions
Is the process much slower for large loans?
Somewhat — 3-4 months typical vs 8-10 weeks mid-market. Credit committees run monthly; large legal work runs 6-8 weeks.
Can I get interest-only over full term?
Yes — routine on investment loans of scale. Amortisation only mandated where covenant demands it.
What about fixed vs floating rate?
Both available. Fixed via lender or interest-rate swap. Floating gives flexibility. Choice depends on hold horizon and rate view.
Large single-asset commercial finance
Send the deal brief — we'll route to the right tier of the market for the ticket size.