CASE STUDIES
01
Releasing Cross-Collateralised Assets in 48 Hours
Challenge:
A multi-site developer needed to release a single development site from a cross-collateralised portfolio. The incumbent lender demanded debt repayment far exceeding the individual asset's proportionate share, blocking the borrower's ability to refinance sites separately.
Solution:
Decama structured a £7.0M short-term facility secured by a first charge on the target property and a second charge across the wider portfolio. This satisfied the incumbent lender's requirements while preserving the borrower's capital position.
Outcome:
Cross-collateral constraints removed. The developer successfully refinanced assets individually, implementing a more flexible, asset-by-asset capital strategy.
02
Four-Day Acquisition Close for PE-Backed Operator
Challenge:
A leading UK retirement village operator, backed by institutional private equity, identified an opportunistic acquisition requiring immediate capital. Traditional lenders could not deliver within the compressed timeline.
Solution:
Decama provided a £2.1M secured facility against unsold units across the borrower's existing portfolio, enabling the acquisition to complete without delay.
Outcome:
Transaction executed in four working days from initial contact to funding. Acquisition completed successfully.
03
Escrow Facility Unlocks £28.8M Refinancing
Challenge:
A private family sought to refinance their primary residence from £20M to £28.8M. The incoming lender required removal of a third-party lien—subject to ongoing litigation—as a condition precedent to final approval. Without resolution, the refinancing would collapse.
Solution:
Decama structured a £1.6M short-term facility with proceeds held in escrow, specifically to discharge the lien and deliver clean title ahead of the refinancing completion.
Outcome:
Third-party lien cleared. Refinancing completed as planned.
04
Stabilising a Portfolio Amid Group Insolvency
Challenge:
The owner of a Central London commercial portfolio was unable to refinance due to insolvency proceedings affecting an affiliated operating company. Traditional lenders would not proceed while the group company remained in administration.
Solution:
Decama provided a £2.0M facility to repay the operating company's creditors, secured solely against the real estate portfolio without taking security over the distressed entity itself. This ringfenced the property assets and removed the refinancing barrier.
Outcome:
Operating company debt cleared. Portfolio stabilized and successfully refinanced.