Generated by All in One SEO Pro v4.9.2, this is an llms.txt file, used by LLMs to index the site. # Fiduciam Secured lending to SMEs ## Sitemaps - [XML Sitemap](https://fiduciam.co.uk/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Transforming Kassel’s city-centre shopping](https://fiduciam.co.uk/transforming-kassels-city-centre-shopping/) - Kassel is sparkling for Christmas - join Adriana on a tour of the Kurfürsten Galerie! Fiduciam has provided a €21 million loan to support the acquisition and revitalisation of this mixed-use asset, combining retail, hotel and residential. Like many properties held in REITs, the Galerie has suffered from years of underinvestment. Our funding now enables - [Operation North Pole](https://fiduciam.co.uk/operation-north-pole/) - Join Adriana on her adventure to the Arctic Circle, where she pays a visit to one of our most loyal repeat borrowers: Santa himself. With fierce competition from Amazon, Temu and ever-rising next-day delivery expectations, Santa needed to upgrade North Pole operations fast. How could we say no?The solution: a major operational upgrade, financed by - [Supporting the transformation of a Cádiz landmark](https://fiduciam.co.uk/supporting-the-transformation-of-a-cadiz-landmark/) - Join Adriana as we tour a historic building in Cádiz that’s being transformed into 27 stylish apartments, financed by Fiduciam España... and yes, tapas are included! - [Fiduciam España surpasses €500 million in financing through 100 transactions](https://fiduciam.co.uk/fiduciam-espana-surpasses-e500-million-in-financing-through-100-transactions/) - Fiduciam España has reached 100 transactions, surpassing €500 million in financing since launching in 2018. Over the past seven years, Fiduciam has built out its position as a leading alternative lender in Spain, with 70% of our business coming from repeat clients, a testament to the trust placed in our team and our approach. - [Fiduciam appoints Clinton Moseley as COO & CFO](https://fiduciam.co.uk/fiduciam-appoints-clinton-moseley-as-coo-cfo/) - Fiduciam has strengthened its senior leadership team by appointing Clinton Moseley as Chief Operating Officer and Chief Financial Officer. Clinton brings over two decades of senior leadership experience across global financial institutions and technology-driven organisations. - [Financing Ireland's favourite chocolates](https://fiduciam.co.uk/financing-irelands-favourite-chocolates/) - Chocolate lovers, this one’s for you! Adriana takes you inside Broderick’s chocolate world. After COVID left its mark, Broderick’s turned to Fiduciam for the flexible financing that helped them bounce back and keep growing, creating even more of Ireland’s favourite chocolates. Come along for a taste! - [Shaping experiences through architecture in Marbella ](https://fiduciam.co.uk/shaping-experiences-through-architecture-in-marbella/) - Step inside a villa in Marbella like no other. This isn’t just another tour, it’s an experience. Join Adriana as she explores a breathtaking villa made to be felt, not just seen. Watch the full tour now! - [Fiduciam allocates further £100m for London real estate lending](https://fiduciam.co.uk/fiduciam-allocates-further-100m-for-london-real-estate-lending/) - Fiduciam has allocated an additional £100 million to support opportunistic acquisitions and transformation projects across London. With valuations reset and vacancy rates in the City and West End trending down, transaction volumes surged in H1 2025. Fiduciam is backing this recovery with bridge and development loans of up to 90% of cost. - [Driving tourism in the Irish Countryside](https://fiduciam.co.uk/driving-tourism-in-the-irish-countryside/) - Adriana is back on the road in our latest video! This time on two wheels just outside Dublin, showcasing how Fiduciam’s funding is helping drive the Irish tourism industry forward. Tune in for the ride! - [Fiduciam cuts bridging and development loan rates across the UK and Europe](https://fiduciam.co.uk/fiduciam-cuts-bridging-and-development-loan-rates-across-the-uk-and-europe/) - Fiduciam has reduced interest rates by up to 1.95% on its bridging and development loans, with cuts implemented across the UK, Ireland, Spain and Germany. With fixed rates now starting at 9.09%, the move strengthens Fiduciam’s support for SME developers and property investors across Europe. - [Financing the construction of affordable houses in the outskirts of Madrid](https://fiduciam.co.uk/episode-2-fuente-el-saz/) - Join Adriana on her exploration of an unknown corner of Madrid and discover how Fiduciam supports the construction of much-needed affordable housing. - [Carbis Bay hotel redevelopment enabled by creative funding solution](https://fiduciam.co.uk/episode-1-treloyhan-manor/) - There’s something special about giving a historic building a new lease on life. Take a front-row seat to this incredible transformation in our latest video tour with Adriana. - [Fiduciam appoints Cristina Villén as new Director](https://fiduciam.co.uk/fiduciam-appoints-cristina-villen-as-new-director/) - Fiduciam has appointed Cristina Villén as new director. Cristina’s remarkable journey from intern to board member exemplifies Fiduciam’s commitment to nurturing talent and fostering internal growth. - [Fiduciam continues its expansion in Spain; €300 million of real estate projects to be financed in 2025.](https://fiduciam.co.uk/fiduciam-continues-its-expansion-in-spain-e300-million-of-real-estate-projects-to-be-financed-in-2025/) - After a record year of growth, Fiduciam aims to provide funding to €300 million of residential real estate development projects across Spain, reinforcing its contribution to the sector. We are expanding our team in Madrid and consolidating our presence in key markets such as Costa del Sol, the Balearic Islands, and Madrid, while also expanding - [Bridging lenders will step in where banks won’t lend but only on the right property types](https://fiduciam.co.uk/bridging-lenders-will-step-in-where-banks-wont-lend-but-only-on-the-right-property-types/) - It goes without saying that the Covid-19 pandemic has caused significant upheaval in the lending markets, with many lenders impacted in terms of their ability to lend, particularly bridging lenders, many of which pulled out of the market for a period of time, but in the medium term the bridging market is likely to do - [Hotel refurbishment loans funding hotel upgrades to increase potential revenue](https://fiduciam.co.uk/funding-a-hotel-upgrade-to-increase-potential-revenue/) - I recently found myself staying in a provincial budget hotel which, given the number of bugs flying around, was an experience I prefer not to repeat. I have encountered many cheap (and nasty) hotels on my travels and, especially as I hate spending money on accommodation, it upsets me that I continue to encounter them. - [Innovative renewable energy bridging loan hat trick](https://fiduciam.co.uk/innovative-renewable-energy-bridging-loan-hat-trick/) - Fiduciam is an established provider of bridging and development finance to Western European clients with diverse business needs. Typically, Fiduciam receives financing requests from SMEs and entrepreneurs active in the real estate, care, hospitality, leisure, manufacturing, logistics and agricultural sectors, but now also the renewable energy sector. Fiduciam’s renewable energy bridging loan is designed to - [Going Green Gone Wrong](https://fiduciam.co.uk/going-green-gone-wrong/) - The infamous Grinch lands a new job as Fiduciam's compliance officer. Whilst enforcing the “No-Fun Policy,” he stirs trouble in the office, banning festive fun in the name of neutrality and inclusivity. As he dives into Santa’s loans, the Grinch faces a challenge like no other when Mrs. Claus shows up to defend her loan. - [Fiduciam secures £100 million of additional funding to support SME house builders ](https://fiduciam.co.uk/fiduciam-secures-100-million-of-additional-funding-to-support-sme-house-builders/) - Fiduciam has secured £100 million of additional funding to support SME housebuilders. This new funding will be deployed over the next two years, starting in Q4 2024, and is a strong vote of confidence in both the UK economy and Fiduciam’s role as a specialist lender. Our mission is to help SME housebuilders bring more - [Additional funding of €150m for Spanish developers](https://fiduciam.co.uk/additional-funding-of-e150m-for-spanish-developers/) - Spanish newspaper highlights Fiduciam's securing of an additional €150 million in funding for its Spanish lending activities, reinforcing Fiduciam's commitment to the Spanish market. This additional investment underscores the growing importance of flexible, efficient financing for local real estate projects, particularly affordable residential developments. Brush up your Spanish language skills and read about it below. - [£16 million facility for prime London student accommodation](https://fiduciam.co.uk/16-million-facility-for-prime-london-student-accommodation/) - Fiduciam is excited to announce the completion of a £16m prime London student accommodation acquisition and refurbishment facility. The borrower is an established international asset manager seeking strong project IRRs by acquiring underutilised assets and restoring trading performance. Read the article to learn more about our latest development finance and PBSA offering. - [Fiduciam welcomes new general counsel to foster growth and innovation](https://fiduciam.co.uk/fiduciam-welcomes-new-general-counsel-to-foster-growth-and-innovation/) - We are thrilled to welcome Borja de Ramón to our team. His extensive legal background and entrepreneurial experience align seamlessly with Fiduciam's vision for growth and innovation. Read all about him in these articles. - [Fiduciam: a solutions-driven lender delighted to sponsor property award](https://fiduciam.co.uk/fiduciam-a-solutions-driven-lender-delighted-to-sponsor-property-award/) - Fiduciam in the Belfast Telegraph. Read about how we're helping Northern Ireland’s SMEs navigate rising interest rates, construction cost inflation and new ESG requirements. - ["If the transaction makes sense, we can be very flexible in structuring the financing."](https://fiduciam.co.uk/if-the-transaction-makes-sense-we-can-be-very-flexible-in-structuring-the-financing/) - Cristina Villen Ortega explains in this interview why Fiduciam is the perfect financing partner for many Spanish entrepreneurs and SMEs. Brush up your Spanish language skills and read about it - [Fiduciam provides £25 million committed property portfolio acquisition facility](https://fiduciam.co.uk/fiduciam-provides-25-million-committed-property-portfolio-acquisition-facility/) - The facility supports the investor’s property acquisition plans for the first half of 2023 and beyond, which involves the creation of a large new cross border portfolio. - [Over 75% of Fiduciam CBILS Loans repaid](https://fiduciam.co.uk/over-75-of-fiduciam-cbils-loans-repaid/) - A major milestone: 75% of Fiduciam's coronavirus loans have been repaid, with no defaults. Therefore Fiduciam has not called on the government guarantee to date but has been paying a considerable premium for it, a win-win for all. - [Fiduciam provides €30m to Mallorcan developer](https://fiduciam.co.uk/fiduciam-provides-e30m-to-mallorcan-developer/) - 1 developer, 3 jurisdictions, 6 villas, €30 million. Read all about how our team Fiduciam España made the execution of this ambitious project in Mallorca possible. - [Office Alone](https://fiduciam.co.uk/office-alone/) - With many deals closing and the year also coming to close, everyone is feeling a little weary, one person in particular was sleepier than the rest...For most people a Christmas nightmare would be resting their eyes for just a moment and waking up a-loan in the office on Christmas. For Estella this became a reality. - [Fiduciam's Permitted Development Loan: a success story in Gloucester Docks](https://fiduciam.co.uk/fiduciams-permitted-development-loan-a-success-story-in-gloucester-docks/) - A recent successful transaction that has been fully redeemed was Brittania Warehouse a substantial permitted development loan in Gloucester Docks. - [Trees grow on money](https://fiduciam.co.uk/trees-grow-on-money/) - In June 2018, Fiduciam granted a €1.3 million, three-year farming loan to Hatton Farm in the Republic of Ireland. Hatton Farm, which operates under Hatton Produce Ltd, is one of Ireland’s leading potato producers and is renowned for the high quality of its potatoes. As Hatton Farm grew and diversified over the years, it also became - [London brokers increasing their amount of international bridging loans](https://fiduciam.co.uk/london-brokers-increasing-their-amount-of-international-bridging/) - Based on observations and conversations over the past year, there appears to have been an increase in the search for international funding coming through London brokers. A growing number of London brokers it seems, are being asked to access money by borrowers keen to do one of three things: either purchase an international property, carry - [The complexities and opportunities of the bridging market in Europe](https://fiduciam.co.uk/the-complexities-and-opportunities-of-the-bridging-market-in-europe/) - You might be forgiven for thinking that the opportunities in Europe will be under threat given our situation with the UK’s exit from the EU. But, as a business that has been working in Europe for the past two years, we know that this is not the case. Lending in Europe is not always easy, - [Basel III and why more banks could be forced to re-weight portfolios like Metro](https://fiduciam.co.uk/more-banks-could-be-forced-to-re-weight-portfolios-like-metro/) - Metro Bank’s share price dropped to a record low earlier this month, down 75 per cent compared to January, a consequence of an error in risk weighting its commercial buy-to-let loans which came to light earlier this year. As an alternative lender we were in a good position to observe some interesting developments in the - [The growing need for development refinancing](https://fiduciam.co.uk/the-growing-need-for-part-development-funding/) - There appears to be a growing trend of borrowers looking to refinance a development before it is completed. This could be due to multiple reasons – the current facility is expiring and the lender does not want to carry on; there have been cost overruns which the lender is unwilling or unable to fund, or - [Where does the name ‘Fiduciam’ come from?](https://fiduciam.co.uk/where-does-the-name-fiduciam-come-from/) - ‘Fiduciam’ is Latin for “mortgagee” and the accusative singular of fiducia, which has as its root fido, which means “I trust/I rely upon”. Fiducia cum creditore (which should not be confused with fiducia cum amico) was one of the earliest types of Roman mortgage, in essence the property would have been transferred to by the - [Financing UK development projects through Spanish bridging loans over holiday homes](https://fiduciam.co.uk/financing-uk-development-projects-through-spanish-holiday-homes/) - Many developers who need additional finance to help fund new development projects have substantial equity tied up in Spanish holiday homes, but cannot take advantage of it as it is nearly impossible to get leverage against such assets from Spanish banks. Very often the developer needs the money for a specific project in the UK - [P2P exhibits numerous shortcomings](https://fiduciam.co.uk/p2p-exhibits-numerous-shortcomings/) - Whilst the P2P model gained traction rapidly following the financial crisis, it exhibits a number of shortcomings. Firstly, retail clients and investors are often simply driven by yield, not evaluating the risks sufficiently. In some cases ‘mom and pop’ type investors are not sophisticated enough to analyse the risks, looking only at the headline rate - [Fiduciam’s training programme sets benchmark in the bridging loan industry](https://fiduciam.co.uk/fiduciams-training-programme-sets-benchmark-in-the-bridging-loan-industry/) - The opportunities within our industry are myriad, the trick is to attract the right people and then to make sure they are nurtured and given the chance to achieve their own goals, whilst also achieving your company goals. Henry Ford, Founder of the Ford Motor Company, said “The only thing worse than training your employees - [Resolution to the housing crisis in Ireland](https://fiduciam.co.uk/resolution-to-the-housing-crisis-in-ireland/) - There has been much focus on the UK property market and whether house prices are rising or falling and whether this may or may not be due to Brexit. What we hear less about is what is happening with property prices with our closest neighbour the Republic of Ireland. Ireland is most often quoted these - [More culture, fewer rules](https://fiduciam.co.uk/more-culture-fewer-rules/) - The world of finance and corporate culture are not always the best partners, as I have been able to witness extensively during my city career. There is the culture of greed, but greed is a biological imperative and not really culture. During my days at Merrill Lynch the board wanted to define a clear culture - [Where banks cause despair, Fiduciam's Santas bring hope](https://fiduciam.co.uk/where-banks-cause-despair-fiduciams-santas-bring-hope/) - As many entrepreneurs and SMEs discover to their despair, it has become difficult to count on the traditional banks when they need a loan for a new project or to expand their business. Traditional banks across Europe continue to reduce their commercial loan books as a result of the Basel III rules. A check-the-box culture, - [Care home bridging loans: supporting SMEs when they need it the most](https://fiduciam.co.uk/bridging-loans-for-care-homes-supporting-smes-when-they-need-it-the-most/) - Here at Fiduciam, we lend on care home assets when the underlying business model is strong, where experienced management is in place, but often due to special situations high street banks have vacated the playing field. Often these SMEs find it difficult to finance their expansion or are abandoned in times of short-term operational or - [Case Study: Fiduciam’s CBILS loan helps housebuilder get back on track](https://fiduciam.co.uk/case-study-fiduciams-cbils-loan-helps-housebuilder-get-back-on-track/) - Fiduciam is used to dealing with the unexpected, so while Covid-19 has been a particularly unwelcome shock – both for people’s health and for the economy– it is something we have tried to take in our stride as far as possible. Successful short-term lending is all about being flexible and adapting to circumstances as you - [How CBILS boosts local businesses and communities: turnaround for a children’s nursery](https://fiduciam.co.uk/how-cbils-boosts-local-businesses-and-communities-turnaround-for-a-childrens-nursery/) - Fiduciam, the institutionally funded short-term lender, has just completed a Coronavirus Business Interruption Loan Scheme (CBILS) loan for £840,000. The loan was to a children’s nursery in Leytonstone, in North East London, called Harvey House. The CBILS was designed to support the continued provision of finance to smaller UK businesses (SMEs) that have been impacted - [Fiduciam bucks the Covid-19 trend in Ireland, closing loans during the lockdown](https://fiduciam.co.uk/fiduciam-bucks-the-covid-19-trend-in-ireland-closing-loans-during-the-lockdown/) - Fiduciam has started 2020 with a substantial increase in new Irish bridging loan business, both north and south of the border, and is bullish about the prospects for rest of the year. It aims to lend €50 million in Ireland this year, an increase on its original projection and building on the strength of its - [How close lender-borrower partnerships help developers grow – organically and through better use of development loan capital](https://fiduciam.co.uk/how-close-lender-borrower-partnerships-help-developers-grow-organically-and-through-better-use-of-capital/) - The phrase ‘know your customer’ (KYC) is bandied about across many industries, but in the financial world it is mostly used in terms of identity verification and money laundering. However, knowing your customer is important for other reasons. From a lender’s point of view it is much easier to make decisions if we can really - [Fiduciam provides £1.18million loan to fund Cornish hotel beyond Covid](https://fiduciam.co.uk/fiduciam-provides-1-18million-loan-to-fund-cornish-hotel-beyond-covid/) - Fiduciam, the institutionally funded short-term lender to SMEs and entrepreneurs, has just completed a £1.18million loan to finance a popular hotel in Cornwall. The loan which falls under the Coronavirus Business Interruption Loan Scheme (CBILS), will enable the hotel to continue operating and investing until the end of 2022. 2020 has been a year of - [Bridging the Gap – Supporting Small House Builders through COVID-19 and Beyond](https://fiduciam.co.uk/bridging-the-gap-supporting-small-house-builders-through-covid-19-and-beyond/) - The UK’s well documented housing shortage, and the efforts made to address it, have not prevented the marked decline of small house builders in recent years. COVID-19 has posed additional challenges, although lenders have been able to assist individual firms with products under the Coronavirus Business Interruption Loan Scheme (CBILS) and Bounce Back Loan Scheme. - [Flexible Funding for Small House Builders - Development Finance for Seven New Homes next to Crossrail](https://fiduciam.co.uk/flexible-funding-for-small-house-builders-development-finance-for-seven-new-homes-next-to-crossrail/) - Fiduciam continues to support small house builders across the United Kingdom with development funding. The latest project to approach completion is a seven-house development in Taplow. Fiduciam provided a flexible multi-drawdown facility that enabled the borrower to repay early if sales were strong while providing the security of a longer-term loan. The interest rate is - [Women in Fiduciam – International Women’s Week 2022](https://fiduciam.co.uk/women-in-fiduciam-international-womens-week-2022/) - At Fiduciam we are committed to providing our female employees with opportunities to break the glass ceiling and fulfil their professional ambitions. We invest heavily in training, development, and individual mentoring, while rewarding achievements and excellent performance. Fiduciam signed up for the Woman in Finance Charter in 2019 and set ambitious targets to strengthen our - [Fiduciam turns around Irish bridging loan in one week ](https://fiduciam.co.uk/fiduciam-turns-around-irish-bridging-loan-in-one-week/) - Fiduciam is a leading provider of Irish bridging loans, with a five-person team exclusively covering Ireland, and a seven-year track record for outstanding service to its Irish clients. - [Fiduciam provides £7,000,000 of Scottish development finance in one month](https://fiduciam.co.uk/fiduciam-provides-7000000-of-scottish-development-finance-in-one-month/) - Offering bridging loans, development finance and commercial mortgages across Scotland, and in May Fiduciam granted £7,000,000 in Scottish development finance. - [The Spanish development loan: what you need to know](https://fiduciam.co.uk/the-spanish-development-loan-what-you-need-to-know/) - Fiduciam is a well-established operator in the Spanish development loan market; at present it finances ongoing development projects in Spain for a combined gross development value of €xxx million. - [TVR Automotive – a transformational multi-tranche facility](https://fiduciam.co.uk/tvr-automotive-a-transformational-multi-tranche-facility/) - Following the take-over and recapitalization of TVR by a group of successful British entrepreneurs, the development of a new high-performance car was commenced in close cooperation with Gordon Murray Design. Fiduciam provided the cornerstone of the second capitalization round, closely working together with the Welsh government and equity investors, in order to finance a new - [The importance of knowing your lender - Part I](https://fiduciam.co.uk/the-importance-of-knowing-your-lender/) - Last year, we suddenly received an increase in loan applications from developers in the midst of projects who wanted a new loan. Such applications make us wary as typically a borrower looking for a new loan in the midst of a project means something has gone wrong. We soon discovered the reason was that the - [The importance of knowing your lender - Part II](https://fiduciam.co.uk/know-your-lender-part-ii/) - In part one, we discussed why it is important to know your lender. Now, we explain why this is even more relevant today and what can be done to reduce lender risk. In our opinion, 2019 will be a challenging year for the bridging industry — for three reasons: Widening credit spreads: We have benefited from - [Funding lines: The risk of excessive risk parameter harmonisation](https://fiduciam.co.uk/funding-lines-the-risk-of-excessive-risk-parameter-harmonisation/) - Many bridging lenders are financed by a funding line provided by a bank or specialist debt fund. Typically, these funding line providers will finance between 70–90% of the loan, with the remainder being financed by the equity of the bridging lender or through a junior funder. While most bridging lenders use such funding lines, some - [No Time to Zoom](https://fiduciam.co.uk/no-time-to-zoom/) - 2020 has been a challenging year for so many. Whilst we look forward to 2021 filled with the promise of vaccines, treatments and recovery, we would like to take a moment to look back at 2020. The pandemic brought us together and showed the best in humanity. However, it also claimed many victims and caused enormous - [Fiduciam grants Santa working capital loan to overcome global supply chain crisis](https://fiduciam.co.uk/fiduciam-grants-santa-working-capital-loan-to-overcome-global-supply-chain-crisis-2/) - Whilst we look forward to 2022 filled with the promise of the return to normalcy the year 2021 came with its challenges, even for Santa: elf-labour shortages due to COVID-19, then followed by the global supply chains crisis. Fortunately we were able to assist with a working capital loan. It required a visit to the - [Saving Santa - Fiduciam grants Santa another loan to expand his factories](https://fiduciam.co.uk/saving-santa-fiduciam-grants-santa-another-loan-to-expand-his-factories/) - The year 2022 came with its challenges, even for Santa. Yet we end the year on a high, with a Santa loan to help him overcome the energy crisis and to make him ESG friendly. Kids all around the world can breathe relief! We wish all our clients and partners a Merry Christmas and Happy New Year; - [That was the year that was](https://fiduciam.co.uk/that-was-the-year-that-was/) - A year of many highs and lows, perhaps echoed in England’s journey in the World Cup, 2018 gave us much to deal with, but amazingly we have emerged into 2019 relatively unscathed. Unemployment remains low, real wages are outpacing inflation for the first time in years, the economy is growing (slightly) and, despite being constantly ## Pages - [Home](https://fiduciam.co.uk/) - Bridging loans, commercial mortgages and development finance, secured over real estate, across the UK and Europe, from £500k to £25 million. - [People](https://fiduciam.co.uk/people/) - A young and inspired team setting new standards as an international lender, making a positive difference to our clients by providing them with innovative lending solutions. - [About-us](https://fiduciam.co.uk/about-us/) - Bridging loans, commercial mortgages and development finance, secured over real estate, across the UK and Europe, from £500k to £25 million. - [News](https://fiduciam.co.uk/news/) - Redefining secured creditHelping small businesses grow and prosperTransparent, straightforward and efficientInvesting in Entrepeneurs An important family-owned and London-based landlord uses Fiduciam to finance new property acquisitions with affordable rents targeted at key-workers. 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The material on this - [Our Loans](https://fiduciam.co.uk/our-loans/) - Bridging loans, commercial mortgages and development finance, secured over real estate, across the UK and Europe, from £500k to £25 million. - [Intermediaries](https://fiduciam.co.uk/intermediaries/) - As a private lender we work closely with intermediaries to provide their clients with a high-quality service and a stable source of funding at competitive terms. - [Website terms of use](https://fiduciam.co.uk/website-terms-of-use/) - Terms of website use This terms of use document (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.fiduciam.co.uk and its affiliated sites whether as a guest or a registered user. Use of our sites includes accessing, browsing, downloading from or registering to ## My Templates - [Global Footer](https://fiduciam.co.uk/?elementor_library=global-footer) - Call us +44 203 290 1933 (United Kingdom) +353 85 257 6488 (Ireland) +31 35 303 1360 (Netherlands) +44 208 075 9370 (Spain) +49 173 194 0983 (Germany) Email Us contact@fiduciam.co.uk Find Us 5-7 John Prince’s Street London W1G 0JN Call us +44 203 290 1933 (United Kingdom) +353 85 257 6488 (Ireland) +31 35 - [vacancies_tab_view](https://fiduciam.co.uk/?elementor_library=vacancies_tab_view) - Vacancies If you would like to join our dynamic and rapidly growing team, and you believe you have what it takes to join an international lender, then please check out our vacancies on LinkedIn or send in your application to recruitment@fiduciam.co.uk - [vacancies](https://fiduciam.co.uk/?elementor_library=vacancies) - Vacancies If you would like to join our dynamic and rapidly growing team, and you believe you have what it takes to join an international lender, then please check out our vacancies on LinkedIn or send in your application to recruitment@fiduciam.co.uk - [googlemap](https://fiduciam.co.uk/?elementor_library=googlemap) - [cookie_policy_page_fial_temp](https://fiduciam.co.uk/?elementor_library=cookie_policy_page_fial_temp) - Introduction The purpose of this Cookie Policy (hereinafter, the “Policy”) is to provide information about the cookies that may be installed in the browsers of users (hereinafter, “Users”) through https://612.539.myftpupload.com/ (hereinafter referred to as the “Website”) owned by Fiduciam Nominees Limited (hereinafter, “Fiduciam”). What is a Cookie? Cookies are small text files that are installed - [website_terms_of_use_page_final_template](https://fiduciam.co.uk/?elementor_library=website_terms_of_use_page_final_template) - Terms of website use This terms of use document (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.fiduciam.co.uk and its affiliated sites whether as a guest or a registered user. Use of our sites includes accessing, browsing, downloading from or registering to - [disclaimer_page_final_temp](https://fiduciam.co.uk/?elementor_library=disclaimer_page_final_temp) - Important general notice Any individual who is in doubt about entering into a loan agreement with Fiduciam Nominees Limited (“Fiduciam”), as outlined on this website, should seek professional advice or consult an authorised person who can assist in relation to entering into a credit agreement (such as an FCA-regulated credit broker). The material on this - [privacy_policy_page_final_temp](https://fiduciam.co.uk/?elementor_library=privacy_policy_page_final_temp) - Introduction This Privacy Policy (“Policy”) describes how Fiduciam Nominees Limited, registered under the Data Protection Act 2018 (Act) with the Information Commissioner’s Office under registration reference ZA155195, and the Fiduciam Group (“Fiduciam” “we”, “us”, and “our”) collect, store and use Personal Data and/or other Confidential Data including information about borrowers, guarantors, brokers, intermediaries, sub-contractors, investors, - [home_page_final_temp](https://fiduciam.co.uk/?elementor_library=home_page_final_temp) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming a number of complexities. Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming - [about_us_page_final_temp](https://fiduciam.co.uk/?elementor_library=about_us_page_final_temp) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding and conference venue in Northern Ireland, allowing it to weather the economic impact of the pandemic. Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding - [our_loans_page_final_temp](https://fiduciam.co.uk/?elementor_library=our_loans_page_final_temp) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepeneursRedefining secured credit Fiduciam granted a business bridge loan to a venture capitalist, secured by an exclusive property, to allow an investment into Bladon Jets, the Coventry-based pioneer of micro turbine generators. Fiduciam granted a business bridge loan to a venture capitalist, secured by an - [intermediaries_page_final_temp](https://fiduciam.co.uk/?elementor_library=intermediaries_page_final_temp) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam granted a repeat borrower a conversion facility at 70% loan-to-value to transform a seven-storey warehouse in Gloucester’s historic docks from offices into apartments. Fiduciam granted a repeat borrower a conversion facility at 70% loan-to-value to transform a seven-storey warehouse in Gloucester’s - [people_page_final_temp](https://fiduciam.co.uk/?elementor_library=people_page_final_temp) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam refinanced a Luxembourg company owning a French vineyard by providing a facility of €3 million, involving five jurisdictions: Luxembourg, France, the US, Australia and the UK Fiduciam refinanced a Luxembourg company owning a French vineyard by providing a facility of €3 - [blog_page_template](https://fiduciam.co.uk/?elementor_library=blog_page_template) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam provided a loan to TVR allowing it to develop a new sports car and to prepare for the commencement of production in Wales, a project representing £30 million in capex Fiduciam provided a loan to TVR allowing it to develop a - [cookie_policy_template](https://fiduciam.co.uk/?elementor_library=cookie_policy_template) - Introduction The purpose of this Cookie Policy (hereinafter, the “Policy”) is to provide information about the cookies that may be installed in the browsers of users (hereinafter, “Users”) through https://612.539.myftpupload.com/ (hereinafter referred to as the “Website”) owned by Fiduciam Nominees Limited (hereinafter, “Fiduciam”). What is a Cookie? Cookies are small text files that are installed - [content-disclaimer](https://fiduciam.co.uk/?elementor_library=content-disclaimer) - I understand Fiduciam does not provide consumer credit or regulated mortgages. This site uses cookies to distinguish users. When using this website, the Website Terms of Use, Disclaimer, and Privacy Policy apply. In clicking the below I hereby accept all of the above. I ACCEPT - [cookie_policy_temp](https://fiduciam.co.uk/?elementor_library=cookie_policy_temp) - Introduction The purpose of this Cookie Policy (hereinafter, the “Policy”) is to provide information about the cookies that may be installed in the browsers of users (hereinafter, “Users”) through https://612.539.myftpupload.com/ (hereinafter referred to as the “Website”) owned by Fiduciam Nominees Limited (hereinafter, “Fiduciam”). What is a Cookie? Cookies are small text files that are installed - [data_temp](https://fiduciam.co.uk/?elementor_library=data_temp) - Introduction This Privacy Policy (“Policy”) describes how Fiduciam Nominees Limited, registered under the Data Protection Act 2018 (Act) with the Information Commissioner’s Office under registration reference ZA155195, and the Fiduciam Group (“Fiduciam” “we”, “us”, and “our”) collect, store and use Personal Data and/or other Confidential Data including information about borrowers, guarantors, brokers, intermediaries, sub-contractors, investors, - [Privacy_policy_new_temp](https://fiduciam.co.uk/?elementor_library=privacy_policy_new_temp) - Introduction This Privacy Policy (“Policy”) describes how Fiduciam Nominees Limited, registered under the Data Protection Act 2018 (Act) with the Information Commissioner’s Office under registration reference ZA155195, and the Fiduciam Group (“Fiduciam” “we”, “us”, and “our”) collect, store and use Personal Data and/or other Confidential Data including information about borrowers, guarantors, brokers, intermediaries, sub-contractors, investors, - [Global Header](https://fiduciam.co.uk/?elementor_library=global-header) - [single-post](https://fiduciam.co.uk/?elementor_library=single-post) - Redefining secured creditHelping small businesses grow and prosperTransparent, straightforward and efficientInvesting in Entrepeneurs - [DISCLAIMER_FINAL_TEMPLATE](https://fiduciam.co.uk/?elementor_library=disclaimer_final_template) - Important general notice Any individual who is in doubt about entering into a loan agreement with Fiduciam Nominees Limited (“Fiduciam”), as outlined on this website, should seek professional advice or consult an authorised person who can assist in relation to entering into a credit agreement (such as an FCA-regulated credit broker). The material on this - [WEBSITE_TERMS_OF_USE_FINAL_TEMPLATE](https://fiduciam.co.uk/?elementor_library=website_terms_of_use_final_template) - Terms of website use This terms of use document (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.fiduciam.co.uk and its affiliated sites whether as a guest or a registered user. Use of our sites includes accessing, browsing, downloading from or registering to - [PRIVACY_POLICY_FINAL_TEMPLATE](https://fiduciam.co.uk/?elementor_library=privacy_policy_final_template) - Introduction This Privacy Policy (“Policy”) describes how Fiduciam Nominees Ltd., Fiduciam Nominees Ltd. (Dutch Branch), Fiduciam GmbH, Fiduciam Services Ltd., and Fiduciam Ltd. (collectively “Fiduciam”) collect, store and use Personal Data and/or other Confidential Data including information about borrowers, guarantors, brokers, intermediaries, sub-contractors, investors, clients, contacts, suppliers, employees and job applicants. Where the aforementioned are - [BLOG_FINAL_TEMPLATE_1](https://fiduciam.co.uk/?elementor_library=blog_final_template_1) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam provided a loan to TVR allowing it to develop a new sports car and to prepare for the commencement of production in Wales, a project representing £30 million in capex Fiduciam provided a loan to TVR allowing it to develop a - [PEOPLE_FINAL_TEMPLATE_1](https://fiduciam.co.uk/?elementor_library=people_final_template_1) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam refinanced a Luxembourg company owning a French vineyard by providing a facility of €3 million, involving five jurisdictions: Luxembourg, France, the US, Australia and the UK Fiduciam refinanced a Luxembourg company owning a French vineyard by providing a facility of €3 - [INTERMEDIARIES_FINAL_TEMPLATE_1](https://fiduciam.co.uk/?elementor_library=intermediaries_final_template_1) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam granted a repeat borrower a conversion facility at 70% loan-to-value to transform a seven-storey warehouse in Gloucester’s historic docks from offices into apartments. Fiduciam granted a repeat borrower a conversion facility at 70% loan-to-value to transform a seven-storey warehouse in Gloucester’s - [OUR-LOANS-FINAL-TEMPLATE](https://fiduciam.co.uk/?elementor_library=our-loans-final-template) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepeneursRedefining secured credit Fiduciam granted a business bridge loan to a venture capitalist, secured by an exclusive property, to allow an investment into Bladon Jets, the Coventry-based pioneer of micro turbine generators. Fiduciam granted a business bridge loan to a venture capitalist, secured by an - [ABOUT_US_FINAL_TEMPLATE](https://fiduciam.co.uk/?elementor_library=about_us_final_template) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding and conference venue in Northern Ireland, allowing it to weather the economic impact of the pandemic. Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding - [FINAL_GLOBAL_HEADER_TEMPLATE](https://fiduciam.co.uk/?elementor_library=final_global_header_template) - [FOOTER_FINAL_TEMLATE](https://fiduciam.co.uk/?elementor_library=footer_final_temlate) - Call us +44 203 290 1933 (United Kingdom) +353 85 257 6488 (Ireland) +31 35 303 1360 (Netherlands) +44 208 075 9370 (Spain) +49 173 194 0983 (Germany) Email Us contact@fiduciam.co.uk Find Us 5-7 John Prince’s Street London W1G 0JN Call us +44 203 290 1933 (United Kingdom) +353 85 257 6488 (Ireland) +31 35 - [HOMEPAGE_FINAL_TEMPLATE](https://fiduciam.co.uk/?elementor_library=homepage_final_template) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming a number of complexities. Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming - [Default Kit](https://fiduciam.co.uk/?elementor_library=default-kit) - [loanpage-heading-banner](https://fiduciam.co.uk/?elementor_library=loanpage-heading-banner) - Fiduciam granted a business bridge loan to a venture capitalist, secured by an exclusive property, to allow an investment into Bladon Jets, the Coventry-based pioneer of micro turbine generators. - [homepage-responsive-heading](https://fiduciam.co.uk/?elementor_library=homepage-responsive-heading) - Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming a number of complexities. - [responsive-heading](https://fiduciam.co.uk/?elementor_library=responsive-heading) - Fiduciam granted a repeat borrower a conversion facility at 70% loan-to-value to transform a seven-storey warehouse in Gloucester’s historic docks from offices into apartments. - [responsive-heading](https://fiduciam.co.uk/?elementor_library=responsive-heading-2) - Fiduciam granted a repeat borrower a conversion facility at 70% loan-to-value to transform a seven-storey warehouse in Gloucester’s historic docks from offices into apartments. - [Elementor Error 404 #10204](https://fiduciam.co.uk/?elementor_library=elementor-error-404-10204) - 404 This page cannot be found. Click here to return to home page - [404_template_final](https://fiduciam.co.uk/?elementor_library=404_template_final) - 404 This page cannot be found Click here to return to home page. - [single-post-template-final](https://fiduciam.co.uk/?elementor_library=single-post-template-final) - Redefining secured creditHelping small businesses grow and prosperTransparent, straightforward and efficientInvesting in Entrepeneurs Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding and conference venue in Northern Ireland, allowing it to weather the economic impact of the pandemic. Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding - [WebsiteTermsOfUse-template-final](https://fiduciam.co.uk/?elementor_library=websitetermsofuse-template-final) - Terms of website use This terms of use document (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.fiduciam.co.uk and its affiliated sites whether as a guest or a registered user. Use of our sites includes accessing, browsing, downloading from or registering to - [PrivacyPolicy-template-final](https://fiduciam.co.uk/?elementor_library=privacypolicy-template-final) - Introduction This Privacy Policy (“Policy”) describes how Fiduciam Nominees Ltd., Fiduciam Nominees Ltd. (Dutch Branch), Fiduciam GmbH, Fiduciam Services Ltd., and Fiduciam Ltd. (collectively “Fiduciam”) collect, store and use Personal Data and/or other Confidential Data including information about borrowers, guarantors, brokers, intermediaries, sub-contractors, investors, clients, contacts, suppliers, employees and job applicants. Where the aforementioned are - [Disclaimer-final-template](https://fiduciam.co.uk/?elementor_library=disclaimer-final-template) - Important general notice Any individual who is in doubt about entering into a loan agreement with Fiduciam Nominees Limited (“Fiduciam”), as outlined on this website, should seek professional advice or consult an authorised person who can assist in relation to entering into a credit agreement (such as an FCA-regulated credit broker). The material on this - [People-page-template-final-new](https://fiduciam.co.uk/?elementor_library=people-page-template-final-new) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam refinanced a Luxembourg company owning a French vineyard by providing a facility of €3 million, involving five jurisdictions: Luxembourg, France, the US, Australia and the UK Fiduciam refinanced a Luxembourg company owning a French vineyard by providing a facility of €3 - [blog-page-template-final](https://fiduciam.co.uk/?elementor_library=blog-page-template-final) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam provided a loan to TVR allowing it to develop a new sports car and to prepare for the commencement of production in Wales, a project representing £30 million in capex Fiduciam provided a loan to TVR allowing it to develop a - [Intermediaries-page-template-final](https://fiduciam.co.uk/?elementor_library=intermediaries-page-template-final) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam granted a repeat borrower a conversion facility at 70% loan-to-value to transform a seven-storey warehouse in Gloucester’s historic docks from offices into apartments. Fiduciam granted a repeat borrower a conversion facility at 70% loan-to-value to transform a seven-storey warehouse in Gloucester’s - [OurLoans-page-final](https://fiduciam.co.uk/?elementor_library=ourloans-page-final) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepeneursRedefining secured credit Fiduciam granted a business bridge loan to a venture capitalist, secured by an exclusive property, to allow an investment into Bladon Jets, the Coventry-based pioneer of micro turbine generators. Fiduciam granted a business bridge loan to a venture capitalist, secured by an - [AboutUs-template-final](https://fiduciam.co.uk/?elementor_library=aboutus-template-final) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding and conference venue in Northern Ireland, allowing it to weather the economic impact of the pandemic. Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding - [news-banner-official](https://fiduciam.co.uk/?elementor_library=news-banner-official) - Helping small businesses grow and prosperTransparent, straightforward and efficientInvesting in entrepreneursRedefining secured credit A care home group needed a short-term facility to achieve a corporate turn-around. Fiduciam was actively involved in the restructuring plan, which had to be worked out around the needs of the nursing home patients. A care home group needed a short-term - [homepage-template-new](https://fiduciam.co.uk/?elementor_library=homepage-template-new) - Redefining secured creditHelping small businesses grow and prosperTransparent, straightforward and efficientInvesting in Entrepeneurs Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming a number of complexities. Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming - [homepage-template-final](https://fiduciam.co.uk/?elementor_library=homepage-template-final) - Redefining secured creditHelping small businesses grow and prosperTransparent, straightforward and efficientInvesting in Entrepeneurs Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming a number of complexities. Fiduciam provided a development loan for the ground-up development of a large apartment building in Manchester, which entailed overcoming - [Elementor Header #9240](https://fiduciam.co.uk/?elementor_library=elementor-header-9240) - [old-elementor-flipboxes](https://fiduciam.co.uk/?elementor_library=old-elementor-flipboxes) - Svg Vector Icons : http://www.onlinewebfonts.com/icon Standard Rental Up to 75% LTV From 0.57% £500k – £25m Business Bridge Up to 75% LTV From 0.57% £500k – £25m Heavy & Light Refurbishment Up to 75% LTV From 0.57% £500k – £25m Ground-up Development Up to 75% LTV From 0.57% £500k – £25m - [Product - Business Bridge](https://fiduciam.co.uk/?elementor_library=product-business-bridge) - Business Bridge Purpose and exit Business Bridge Loans allow entrepreneurs to invest in their company, obtain working capital, or take advantage of business opportunities. They are secured on real estate assets which can be vacant, come without a regular income stream or be operated by the borrower (i.e. trading businesses). Multiple drawdowns are possible to - [satt](https://fiduciam.co.uk/?elementor_library=satt) - Redefining secured creditHelping small businesses grow and prosperTransparent, straightforward and efficientInvesting in Entrepeneurs Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding and conference venue in Northern Ireland, allowing it to weather the economic impact of the pandemic. Fiduciam granted a Coronavirus Business Interruption Loan Scheme facility to a popular wedding - [ContactFormNew](https://fiduciam.co.uk/?elementor_library=contactformnew) - Contact us Name E-mail Contact number Message Attachment Please leave this field empty. - [Product - GroundUp Development](https://fiduciam.co.uk/?elementor_library=product-groundup-development-2) - Ground-up Development Purpose and exit Development Loans finance the construction of multiple residential or commercial units. This product allows for monthly drawdowns during the works. Partial redemption can take place during the term of the loan as units are sold. The typical exit is achieved through the sale of the property once the project is - [contact form](https://fiduciam.co.uk/?elementor_library=contact-form) - Contact us Name E-mail Contact number Message Attachment Please leave this field empty. - [Global Header](https://fiduciam.co.uk/?elementor_library=global-header-2) - [Product - GroundUp Development](https://fiduciam.co.uk/?elementor_library=product-groundup-development) - Ground-up Development Purpose and exit Development Loans finance the construction of multiple residential or commercial units. This product allows for monthly drawdowns during the works. Partial redemption can take place during the term of the loan as units are sold. The typical exit is achieved through the sale of the property once the project is - [Product - Heavy&Light Refurbishment](https://fiduciam.co.uk/?elementor_library=product-heavylight-refurbishment) - Heavy & Light Refurbishment Purpose and exit Refurbishment and Permitted Development Loans finance works on the security property. For Refurbishment Loans works shall be limited to the refurbishment of the existing residential or commercial property. For Permitted Development Loans works can include the conversion of the property and structural changes. The typical exit is the - [Product - Standard Rental Loan](https://fiduciam.co.uk/?elementor_library=product-standard-rental-loan) - Standard Rental Purpose and exit Standard Rental Loans allow real estate investors to raise funding against income generating properties. The proceeds of the loan are generally used for the purchase of property but can also be used for other business purposes. Standard Rental Loans are often used by property investors who need finance at auction, - [old-intermediaries-form](https://fiduciam.co.uk/?elementor_library=old-intermediaries-form) - A partnership approach Online application If you are an intermediary, broker or advisor and you would like to start working with us, please feel free to call us or to fill out the below enquiry form. ## Categories - [Blog](https://fiduciam.co.uk/category/blog/) - [Case Study](https://fiduciam.co.uk/category/case-study/) - [News](https://fiduciam.co.uk/category/news/)