For Experienced Developers and Portfolio Investors
Stop Letting Funding Erode Your Margins
We design the capital strategy behind profitable property businesses — before the lender ever sees your deal.
If you've been in property long enough, you've felt this:
- Valuation comes in light.
- QS queries drag on for weeks.
- Monitoring surveyor keeps holding back drawdowns.
- Lender changes terms last minute.
- You're forced into an extension at 2% per month.
- Or worse — the refinance doesn't land.
Not because it was a bad project.
Because the funding wasn't engineered properly.
What Most Brokers Do(And Why It Costs You)
Most brokers:
- Submit your deal as-is.
- Chase the cheapest rate.
- Move on once it completes.
- Hope the exit works.
They get paid on the loan amount.
We get paid on the outcome.
Property CFO Is Not A Broker.
We Are Your Outsourced Capital Director.
Before You Exchange, We:
- 1Design the capital stack
- 2Stress test build costs
- 3Identify refinance options before day one
- 4Stress test the GDV
- 5Model your exit under multiple scenarios
- 6Structure contingency into the deal
How Property CFO Approaches Capital Differently
A brief overview of how we design, structure and review development funding so facilities support the project from acquisition through exit.
Built for serious property operators
Property CFO supports developers, investors and portfolio owners who treat funding as part of a long-term capital strategy, not a one-off transaction.
Developers
Development projects £500k–£10m GDV
Operators delivering structured residential or mixed-use developments who require capital aligned with programme timelines and exit strategy.
Portfolio Landlords
Multi-property portfolios
Investors managing growing portfolios who need refinancing, equity release and long-term capital optimisation.
Commercial Properties Investors
Repeat deal operators
Experienced investors completing multiple transactions who require structured funding support rather than transactional broking.
SME Housebuilders
Growing property businesses
Established builders scaling operations who need capital structures supporting growth, liquidity and delivery certainty.
Capital. Foresight. Outcome.
Property CFO is built around three disciplines. Not just sourcing funding, but designing how capital performs from entry to exit.
Capital
Structured funding, not just sourced loans
Senior debt, mezzanine, JV equity, bridging, development and term facilities; designed around your timeline, liquidity and exit strategy.
Foresight
Stress-tested before submission
We ask uncomfortable questions before the lender does.
- What if sales slow 5 months?
- What if valuation drops 5%?
- What if build costs rise?
- What if refinance rates jump?
If the deal only works in a perfect market — it's not a deal.
Outcome
Profit protection and exit certainty
- Profit protection
- Exit certainty
- Portfolio scalability
Because the objective isn't to complete a loan. It's to complete a profitable project.
The Cost of Getting It Wrong
One extension at 2% per month on a £1.5m loan:
£0
per month
Two months of delay:
£0
gone forever