Fund your next UK property development

What we offer

A partner that gets it.

Starting out as developers ourselves, we understand the opportunities and challenges within real estate, and that no two investments are the same.

We support professional developers by providing bespoke funding solutions tailored for each opportunity – from ground up development to finish and exit and asset stabilization, we act as a financing partner for each stage of the cycle to support your goals.

Products

Transparent, tailored solutions

Whether you’re looking to fund your next development or maximise returns, we’ll work with you to deliver a bespoke funding structure that meets your requirements.

Lending

We fund across the capital stack

Our expertise in both real estate and finance underpins a risk-mitigated, practical approach to structuring transactions. We can therefore stretch beyond traditional high street lenders and implement a creative solution to balance risk and return for us and our clients.

High risk / High return

Medium risk / Medium return

Low risk / Low return

Equity

Mezzanine

Senior

Equity

Up to 97% LTC / Profit Share

Designed to stretch your funding and maximise returns by minimising borrower equity.

Secured charge
No ownership of the SPV
Profit share/Fixed Return
Suitable for experienced borrowers

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Mezzanine

Up to 90% LTC / Fixed Interest

Top up funding that sits between senior debt and borrower equity, increasing available funding of up to 90% of total costs.

Secured second charge
Higher fixed interest rate
Higher borrower returns

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Senior

Up to 80% LTC / Fixed Interest

Term loans that need to be repaid first. As they sit in the most senior position, they carry lower interest rates and are therefore highly desirable.

Secured 1st charge
Lower interest rate

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1. Project submission

Review our criteria and submit your project.

2. Initial review

We'll review your case, obtain committee approval and submit an indicative funding offer.

3. Due diligence

We undertake full due diligence and instruct third party professionals.

4. Legals

Loan and security agreements will be drafted and finalised.

5. Draw down

Once due diligence has completed and legal documents signed, funds will be released.

"SMEs play a critical role in helping alleviate the significant demand-supply imbalance that has led to a housing crisis within the UK. Shojin partner with developers by providing the most vital piece of the funding stack so that they can increase supply of housing whilst delivering exceptional outcomes for all stakeholders involved.

We are actively lending and have continued to support our partners despite recent macro-economic uncertainty caused by Brexit, Covid and higher interest rates, as the housing shortage shows no signs of slowing and businesses must continue operating.”

Nadav Albin

Head of Lending, Shojin

Go further with Shojin

Flexibility

With a deep understanding of real estate and finance, we can support a wide range of requirements, regardless of the complexity.

Experience

With a strong background in development, our team have the track record, expertise and external relationships to proactively support every transaction.

Transparency

We value transparency at every stage, from how our loans are structured to the costs involved, providing certainty throughout a project and when taking on new opportunities.

Partnership

Complexities inevitably arise throughout the process. We’ll work with you to formulate a solution that works for all parties, focusing on building long-term relationships in the process.