Strategic Debt Advisory
020 3773 5458
£500k
Loans from £500k to £20m+
£225m+
Funding secured since 2020
~90%+
Project completion rate
163+
Projects completed since 2020
Capital Planning for Property Businesses Operating at Scale
Funding Wise provides strategic debt advisory support for developers and property businesses whose funding requirements extend beyond straightforward single-lender facilities.
We work at the capital-planning level — helping clients think clearly about structure, sequencing, and long-term implications, not just whether a lender will say yes.
When Strategic Debt Advisory Is Required
As property businesses grow, funding decisions increasingly affect more than one project.
Strategic debt advisory becomes critical where capital structures need to support the following:
020 3773 5458
Multiple Live Developments
Managing concurrent projects without stalling progress on individual schemes.
Portfolio Growth
Scaling operations while maintaining access to capital and avoiding over-leverage.
Flexibility for Future Acquisitions
Preserving borrowing capacity and avoiding facility structures that block future opportunity.
Protection of Equity and Cashflow
Minimising dilution and maintaining liquidity across the business.
Phased Delivery
Multi-phase developments requiring staged funding and equity release between phases.
Our Debt Advisory Approach
Debt advisory is about understanding trade-offs.
A simpler structure is not always the right structure. A lower rate may come with constraints that limit future growth. Higher leverage may create flexibility — or risk — depending on how it is deployed.
We assess these dynamics rigorously, model alternative structures, and present the outcomes clearly so decisions are made with full visibility.
020 3773 5458
Our advice is independent, practical, and grounded in real-world delivery. We take the time to understand the underlying projects, timelines, and commercial realities before structuring finance.
Where transactions involve multiple lenders or layered risk, we coordinate the process end-to-end — aligning legal documentation, valuations, and drawdown mechanics so the structure works in practice, not just on paper.
And our involvement does not end at completion. We continue to support refinancings, restructurings, and future capital planning as circumstances evolve.
Capital Structures We Advise On
Depending on the circumstances, we advise on a range of capital approaches.
Structures are always assessed in the context of the wider business, not in isolation.
Senior Debt
Conventional development or investment finance where simplicity and cost efficiency are appropriate.
Mezzanine Finance
Used selectively to enhance leverage or flexibility without diluting equity.
Stacked Facilities
Structured solutions for complex or phased projects where a single lender cannot deliver the required outcome.
Refinancing & Equity Release
Repositioning existing debt to release capital, reduce cost, or support onward development.
Recapitalisation
Restructuring underperforming or restrictive facilities to restore flexibility and control.
Independent and Honest Advice
Strategic debt advisory only works if the advice is candid.
We provide clear, commercial assessments upfront. If a structure introduces unnecessary risk, limits future growth, or requires changes before it becomes viable, we say so.
Our role is to support long-term decision-making — not to force funding where it does not serve the business.
Case Studies
What's the difference between debt advisory and finance brokerage?
Debt advisory builds capital strategies. We assess your business objectives and design debt structures that support those goals. Brokerage finds you a lender for a specific product.
Both have their place: brokerage works well for straightforward single-product facilities. Advisory makes sense when you’re managing portfolios, refinancing complex debt, stacking multiple lenders, or optimising capital efficiency across your business.
How much does debt advisory cost?
Our advisory fees are typically 1-1.5% of total facilities arranged, payable at completion.
We’re transparent about costs from day one — no hidden fees or lender kickbacks.
Do you work with first-time developers?
Yes, but we’re selective. First-time developers need more than lender introductions — they need structured proposals that mitigate risk and access to specialist capital willing to fund inexperienced borrowers.
If a project is not fundable we’ll let you know immediately.
How long does debt advisory take from start to completion?
This entirely depends on the complexity.
A simple refinancing could be as quick as 3-4 weeks. A complex stacked facilities or multi-project portfolio financing might take 8-12 weeks or more.
We give realistic timelines upfront and manage the process to hit them.
Can you structure equity investment as well as debt?
Whilst not our specialisation, we will be happy to review your situation. And if it is outside of our scope, we can introduce you to appropriate equity providers who specialise in that area.
What happens if lenders reject the proposal?
We will only approach a lender when we are confident that the project is workable and they are likely to accept.
If a lender does decline, however, we will understand why and if necessary reassess the structure.
We focus on finding the right solution rather than repeatedly shopping the same proposal to different lenders.
Can you help if I'm mid-project and my current lender is causing problems?
Yes. Mid-project lender issues are surprisingly common — frozen drawdowns, disputed valuations, covenant breaches, relationship breakdowns.
We will assess the situation, negotiate with the existing lender to resolve issues, or source replacement facilities to exit the problematic relationship. Time-sensitive situations get prioritised. We understand that construction delays cost money.