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Complex Offshore Structures

What Is Complex Structured Finance?

When Is a Complex Finance Structure Required?

Multiple Borrowing Entities and SPVs

Some traditional lenders will not lend to non-standard borrowing entities or complex SPV structures. In these cases, it is important to approach lenders who are experienced in lending to complex ownership structures; this will ensure that they can underwrite the loan quickly and without fuss.
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Cross-Border Assets and Offshore Structures

As above, many traditional lenders cannot get comfortable with complex offshore assets and ownership structures, making it tricky for these types of borrowers. Silver Oak Capital has a network of hundreds of offshore lenders who specialise in this type of lending and are actively looking to fund offshore structures or assets.

Layered Debt and Intercreditor Arrangements

Clients with layered debt and multiple active lenders may also struggle to secure finance through traditional streams and may have to approach specialist lenders. Layered debt and complex intercreditor agreements are by no means a dealbreaker when it comes to securing finance, but it is important to approach the right lenders.

Non-Standard Income or Wealth Profiles

UK business owners and offshore clients may struggle to source debt through traditional sources due to the complexities of their income profile. While some banks may avoid these clients, there are a number of lenders who are comfortable with low or even no-income borrowers.

Time-Critical or Event-Driven Transactions

In cases where the borrower is under extreme time pressure, it is important that they present their case to the lender in a clear and concise manner in order to avoid any unnecessary delays. In this way, brokers can be a valuable resource to a time-sensitive borrower.

Types of Complex Structures We Advise On

Trust, Foundation and Estate-Held Assets

Silver Oak Capital has advised on a number of cases involving trust- and estate-held assets, both onshore and offshore. With these structures, it is important to provide the lender with a clear and simple structure chart from the beginning.

Offshore and Onshore SPV Structures

Offshore SPV structures can vary in complexity, and while some lenders prefer onshore structures, we have access to a network of hundreds of lenders who lend to offshore companies.

Development Finance with
Mezzanine or Preferred Equity

Mezzanine, preferred equity, and stretch-senior development finance are commonplace in the UK and Europe and, as such, there are several lenders to choose from.

Cross-Collateralised Lending

While this is another common form of lending, it is important that you approach the right lenders, as not all lenders are comfortable with cross-collateralised lending, especially if it spans across asset classes. Silver Oak Capital is very experienced in multi-asset-class cross-collateralised lending.

Common Challenges in Complex Finance — and How We Solve Them

Jurisdictional and Regulatory Constraints

Navigating cross-jurisdictional and regulatory constraints can be tricky, even for the most experienced investor. Silver Oak Capital has a network of international law firms, tax advisors, and accountants who can assist in advising on these matters.

Security Across Multiple Assets

When lending on multiple different asset classes, lenders will need to gain comfort with the borrower on a number of different levels. It is important to demonstrate to the lender that the borrower is an experienced investor and that their security portfolio is low risk.

Speed, Confidentiality and Discretion

Perhaps some of the most important factors to consider when evaluating different brokers are their speed, confidentiality, and discretion. With an in-depth knowledge of the industry and over 10 years’ experience, Silver Oak Capital is one of the most trusted brokers in the UK.

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How Silver Oak Capital Can Help

  • Access to Specialist and Niche Lenders

    Our vast lender network enables us to source the best loan products from the best lenders in the market, providing our clients with cheap access to flexible loan products.

  • Experience Navigating Complex Profiles

    Silver Oak Capital has an in-depth understanding of the real estate debt market in the UK, enabling us to advise our clients on the most suitable solutions, giving them peace of mind.

  • Independent, Client-Led Advice

    Client satisfaction is at the heart of what we do, so when we provide advice to our clients we ensure that it is correct and tailored to their situation. In doing this, we ensure that our clients have access to independent, situation-specific, sound advice.

Who We Typically Act For

  • High-Net-Worth and Ultra-High-Net-Worth Individuals
  • Property Developers and Investor Groups
  • Family Offices and Trustees
  • International Clients with UK Assets

FAQs

Complex finance structures can be regarded as any structure that is atypical. Traditional high street lenders generally prefer not to lend on these types of transactions, instead favouring less risky, standard transactions. Complex ownership structures, complex borrowers, and risky assets can all enhance the complexity of a transaction.
Silver Oak Capital has a network of over 800 lenders, both in the UK and internationally. By leveraging this network, we are able to source the best products from the best lenders, be that for simple or complex transactions. When it comes to offshore and trust-owned assets, we have a wealth of experience and several lenders who are keen on these types of transactions.
In some cases, yes; however, it depends on a few factors, namely the degree of complexity, the type of borrower, and the risk profile of the security. It is important to paint the full picture to the lender from the beginning in order to ensure that the terms issued remain the same throughout the underwriting process.

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+44 207 459 4440