Relendex arranges funding for Commercial Real-Estate investments.

These are investment properties let to occupational tenants and some developments. We will also consider some residential assets but not owner-occupied units.   Also residential developments.

We bring together many lenders who collectively match a loan requirement.

Borrowers benefit from the lowest interest rates which are offered that collectively meet the stated requirement at auction. Interest rates for loans are fixed throughout the loan term.

Lenders include Individuals, High Net Worth Individuals, Family Offices and various organisations acting on behalf of individuals and corporate lenders (including IFAs, Wealth Managers, Private Banks, Corporate and Private Pensions Funds and Trusts), Insurance Companies and Commercial Banks.

Apply to Borrow

We would prefer that you complete a Borrower application form once you register with us.
The more information you provide and the sooner you provide it, the faster the approval process.

Alternatively you can email us to This email address is being protected from spambots. You need JavaScript enabled to view it. with the following information:

• Address
• Type of property
• Approximate age
• Principal Use
• Total Area
• Tenancy Schedule
• Total Rent
• Estimated Market Value of property
• Date of last valuation
• Loan Amount you are seeking
• Purpose of Loan
• Photo of property

You can also call us on 020 7483 3456

What happens next?

We'll review your request.

You may be asked to provide further documentation.

Our Lending Team will then get back to you with an indication as to whether or not we think we can assist with your funding requirement.

The property will then be inspected and evaluated by a member of the Lending Team

We will then issue an indicative Term Sheet for your review.

Once accepted and the commitment fee has been paid your loan request will be posted on the Exchange.Our due diligence process

The auction process

During the 'auction' process many investors compete with each other to lend you money so that you receive the most competitive interest rate possible.

Two types of auctions

DYNAMIC AUCTIONS

These ‘bid down’ auctions enable many lenders to compete with each other by bidding for parts of your loan. Until the auction ends, lenders may continue to bid and the borrower will benefit as the average interest rate falls. When the auction closes the lenders who have offered the lowest rates that together make up your loan requirement, will be the winning bidders.

SET RATE AUCTIONS

With these auctions, the interest rate is agreed with the borrower and fixed before the auction starts. Lenders then each bid for the amount of the loan they want. When the loan is filled the auction closes. A successful auction is binding on the borrower and the winning lender group.How our loans and auctions work

When auction closes

When the auction closes and your loan is fulfilled, lawyers finalise due diligence, draw down funds and complete the loan documentation. The Relendex Team co-ordinate the transaction throughout, providing assistance at all stages from loan request to efficient completion.

Monitoring Loans

When the loan is completed, our independent Loan Servicer Davenham Asset Management Limited then monitor the property and borrower throughout the lifetime of the loan.

Borrowers are required to provide quarterly Compliance Certificates to confirm compliance with key loan covenants. These are checked by the Loan Servicer

Borrower rents received are collected in designated Rent Collection accounts (specific to each borrower) and held at Royal Bank of Scotland International in Guernsey.

Rents received are first applied to pay interest due to Lenders.

No funds are released to the borrower from the Rent Collection Account, unless the loan is compliant and quarterly interest has been paid.

We will meet the borrower annually and review the loan.Our advisers

Late Payments and Defaults

Late Payments and Loan defaults are managed by Relendex Recoveries Division. It will take advice from the lending team and other professionals and propose a course of action to achieve the best outcome for lenders. Lenders will vote to determine the course of action to be followed. Further details about the default process and voting structure are set out in the Lender Terms & Conditions and FAQ.Register as a Borrower now