Disciplined, asset-first lending for complex situations
Decama Finance delivers certainty and disciplined debt capital when it matters most.
Our approach is built on speed, reliability, and rigorous fundamental analysis—designed for situations where conventional lenders cannot or will not act decisively.
Asset-first underwriting
Every transaction begins with the underlying real estate. We underwrite to property value and downside protection, prioritizing the asset itself over borrower profile or credit history. This focus enables us to support a broad range of borrowers—including those in distressed or complex situations—while maintaining disciplined risk management grounded in value investing principles.
Principal-led decision-making
Our decisions are driven by judgment and experience, not rigid credit criteria or committee consensus. With direct access to the decision-maker, we assess each opportunity on its own merits and structure solutions that reflect real-world complexity. This means faster answers, tailored terms, and pragmatic solutions informed by over 20 years of real estate and credit market experience.
Speed with certainty
Time kills deals. Our process is streamlined for efficiency: rapid initial views on viability, clear communication throughout, and decisive action when fundamentals support the transaction. We provide early clarity on terms and move quickly to execution, reducing uncertainty and protecting value for all parties.
Balance sheet capital
We deploy our own capital directly, eliminating syndication risk, funding contingencies, and third-party approval delays. Our strong balance sheet allows us to commit with confidence and close with certainty—critical advantages when timing determines outcomes.
Flexible across sectors and situations
We are sector-agnostic, lending across all UK real estate asset classes—vacant or income-producing, development or stabilized. We specialize in situations that require speed and flexibility: bridge financing, acquisitions, refinancings, enforcement scenarios, insolvency-related transactions, and borrowers with challenging credit histories. Where asset fundamentals are sound and downside is protected, we move decisively.
Comprehensive execution
Decama Finance works with a trusted network of legal, technical, and industry specialists to deliver comprehensive solutions for each transaction. We focus on solving problems and driving deals to completion—working collaboratively with borrowers, advisors, and stakeholders to achieve successful outcomes.