Capital for
Complex Situations
Others Won't Touch
Reditum Capital provides first charge bridging, second charge bridging, mezzanine finance, and preferred equity for real estate transactions that require speed, structural creativity, and a lender who understands complexity.
Where Conventional
Lenders Stop, We Start
Reditum Capital is a specialist finance house focused on real estate special situations. We provide capital where complexity, time pressure, or structural nuance has made conventional lending unavailable or impractical.
Since February 2013, we have deployed capital across more than 92 transactions spanning the UK, Europe, and beyond — including distressed assets, receivership situations, cross-border deals, and complex structured financings. We understand that in special situations, the quality of your lender matters as much as the terms of the loan.
Finance Across the Capital Stack
We provide a full range of real estate finance products, structured to meet the demands of complex and time-sensitive transactions.
First Charge Bridging
Senior secured bridging loans for time-critical acquisitions, refinancings, and asset repositioning where speed and certainty of execution are paramount.
Second Charge Bridging
Second charge facilities that sit behind existing senior debt, providing additional liquidity without disturbing the primary lending relationship.
Mezzanine Finance
Subordinated debt that bridges the gap between senior finance and equity, enabling borrowers to maximise leverage on complex or transitional assets.
Preferred Equity
Equity-like capital with a preferred return profile, structured to provide downside protection while giving borrowers flexibility in situations where debt alone is insufficient.
The Situations We Are Built For
Our experience is deepest where transactions are most complex. We have the appetite, the expertise, and the decisiveness to act where others hesitate.
Distressed & Receivership Assets
We move quickly on assets in receivership, administration, or under enforcement — providing the certainty of funding that conventional lenders cannot offer in these circumstances.
Loan Book & Portfolio Acquisitions
Financing for the acquisition of non-performing loan books, distressed debt portfolios, and secondary market positions where speed and structural flexibility are critical.
Planning Gain & Permitted Development
Bridging and mezzanine facilities for assets undergoing planning gain, change of use, or permitted development conversions — including situations where planning has not yet been secured.
Refinancing Under Time Pressure
Short-term refinancing solutions for borrowers facing loan maturity, lender withdrawal, or covenant breach, where a rapid and reliable alternative is needed.
Complex Cross-Border Transactions
We have experience structuring and executing transactions across multiple jurisdictions, including the UK, Continental Europe, and emerging markets.
Corporate & Asset-Backed Finance
Structured finance solutions for corporate borrowers where the underlying security is a large capital asset — including trading businesses with significant real estate or infrastructure collateral.
A Track Record Built on
Complex Situations
Our completed transactions span permitted development conversions, luxury hotel development finance, co-living planning plays, student accommodation acquisitions, residential land planning gain, and large-scale mixed-use regeneration — across the UK and Continental Europe.
Have a Situation That Needs a Solution?
Tell us about your transaction. We provide indicative terms typically within 48 hours and are experienced in moving quickly when timing matters.