Eskrow.fund
Get it on the
App Store
Search & apply for commercial & property finance, in minutes
Get it on
Google Play
Say Hello to Eskrow.Fund
Compare 100+ lending options for bridging loans, commercial mortgages & development finance.
At our firm, we pride ourselves on being your trusted partner in navigating the complexities of commercial finance for property projects. With a team of seasoned experts by your side, we ensure that you have the perfect financial solutions tailored to your unique needs. Whether you're embarking on a new development or looking to expand your property portfolio, our dedicated brokers bring years of experience and a commitment to excellence to every client interaction. Let us help you turn your property aspirations into successful ventures.
Run your numbers through Eskrow.Fund to ensure your deal stacks
01
Compare loans from 100+ commercial property finance lenders
02
See how much you could borrow against a specific project & at what rate
03
Check detailed eligibility criteria to avoid wasting time & money
04
Ensure your deal stacks & make smarter investment decisions
Why model your deals on Eskrow.Fund?
Save time, money & scale your business sooner
Time
Search 100+ lenders in minutes, saving you weeks of wasted phone calls and unanswered emails.
If you’ve found a potential site, run the numbers through Eskrow.Fund to check if the project is financially viable.
Discard schemes that aren’t before you waste time and money and focus your resources on deals that stack.
Money
The difference between finding funding and finding the right funding is normally tens or even hundreds of thousands of pounds. Eskrow.Fund searches the breadth of the market so you don’t have to, ensuring you find the right lender and the best value loan based on your specific project. Increase profit on every deal by finding the cheapest loan options and decreasing your borrowing costs, whilst reducing your deposits and maximising your return on equity.
Scale
Deposits vary from 10% to 35% of total costs, so the difference in equity required between lenders could be a potentially deal-breaking variance. Eskrow.Fund searches the whole market to ensure you’re making your equity stretch as far as possible. This frees you up to invest in new or additional schemes, scaling your business far quicker than competitors who tie up too much equity in each project.
Accessible specialist property finance for everyone
We’re on a mission to democratise the commercial property finance market, making it more accessible for borrowers.
Currently, our application tool is available to borrowers to ensure they’re able to secure the best value property/development finance. If you’re a borrower looking to apply for a property loan, there are currently two ways you can apply. Online or book a call with a member of our Eskrow.Fund team or email us info@eskrow.fund
Why use Eskrow.Fund for your next property loan?
Commercial. Bridge. Development finance
Eskrow.Fund searches the breadth of the development finance market, so you don't have to. We search the big banks, challenger banks and specialist development lenders to ensure you find the loan that best meets your requirements, every time.
Compare development finance options for your residential or commercial property project, and choose the loan that maximises your equity, and allows you to grow faster and scale your business sooner.
Search and apply online, receiving results in minutes not months. We publish in-depth lender criteria that you won't find anywhere else, so you can check your eligibility before you start the application process.
Need Help? FAQ
Eskrow.fund
What is a personal undertaking/guarantee?
A personal undertaking/guarantee is a legally binding agreement between the Borrower and the Lender, stipulating that the Directors/Shareholders will assume responsibility for repaying the debts of the Limited company should it fail to do so. Typically, this undertaking doesn't involve any collateral; however, depending on circumstances, the Lender may request additional security, such as a charge over the Guarantor’s primary residence or other assets.
Is it feasible to obtain 100% bridging finance?
In cases where the purchase price substantially undercuts the market value, it's potentially attainable. This scenario often arises when a vendor urgently needs to sell a property, resulting in a negotiated discounted purchase price. Although lending in such situations typically considers the purchase price rather than the market value, some lenders are comfortable extending finance based on the latter!
How can I prepare for my loan application?
To streamline the process and stay ahead, it's advisable to have these documents readily accessible, such as in a folder on Google Drive:
- CV
- Property Portfolio
- Photographic ID
- Proof of Address
- 3 Months of Bank Statements
- SALIE (Statements of Assets, Liabilities, Income, Expenditure)
- Copy of Planning
- Build Schedule and Cost Breakdown
What should be included in a Property Portfolio Breakdown submitted to the Lender?
- Property Address
- Property Type
- Property Value
- Lender with First Charge
- Monthly Rental Income
- Current Mortgage Balance
- Monthly Mortgage Payment
- Remaining Loan Term
- Date of Purchase
What is the loan acquisition process? What are the steps from initiation to completion?
1. Submit enquiry to Eskrow.Fund via call, email, website form or mobile app.
2. Case manager reviews provided information to ensure completeness and gain a comprehensive understanding of the deal.
3. Deal is packaged and sent to relevant lenders.
4. Lenders respond with their offer Agreement in Principle (AIP).
5. Case manager compiles AIPs into a spreadsheet for your review.
6. Upon choosing a lender, case manager sends relevant paperwork for completion.
7. Valuation quotes are obtained, and you select a valuer and pay the fee.
8. Valuer sends report to lender for review, who then issues an offer letter upon satisfactory valuation.
9. Solicitors are instructed, and fees are paid.
10. Case manager oversees legal completion process.
11. Once legalities are finalised, funds are sent to your solicitor.
12. Completion of the case.
Why is a CV requested?
Lenders request a CV to gain insight into your past experiences, industry background, and project scale. Additionally, they seek information about your team's expertise and background, as they are typically responsible for project delivery.
What should my CV entail?
- Previous projects with evidence, including before and after pictures and brief descriptions
- Details of team members, such as Contractors, Project Managers, and Quantity Surveyors, highlighting their experience and past projects.
Abbreviations
Eskrow.fund
MV – Market Value: How much the property is currently valued at.
BMV – Below Market Value: If the property is being sold for less than the current Market Value.
OMV – Open Market Value: The price at which an asset would trade on the open market.
GDV – Gross Development Value: The value of the property after works have been completed.
LTV – Loan to Value: The ratio between the value of the loan you take out and the value of the property as a whole, expressed as a percentage.
LTGDV – Loan to Gross Development Value: The ratio between the value of the loan you take out against the expected value of the property after works, expressed as a percentage.
LTC – Loan to Cost: Measures the ratio between the total loan amount and ‘cost’ of the project which can include purchase price and cost of works.
DIP – Decision In Principle: Same as Agreement in Principle, shows a lender has indicatively agreed to lend to you should you accept their offer.
AIP – Agreement In Principle: Same as Decision in Principle, shows a lender has indicatively agreed to lend to you should you accept their offer.
SALIE – Statements of Assets, Liabilities, Income and Expenditure: An overview of the client’s financial status.
AST – Assured Shorthold Tenancy: A type of tenancy agreement generally used by private landlords.
SPV – Special Purpose Vehicle: A special purpose vehicle, also called a special purpose entity (SPE), is a subsidiary created by a parent company to isolate financial risk. Its legal status as a separate company makes its obligations secure even if the parent company goes bankrupt.
BRR – Buy, Refurbish, Refinance.
HMO – House of Multiple Occupancy: A residential property where more than three or more tenants, forming more than one household, occupy the property.
JV – Joint Venture: a project undertaken jointly by two or more parties which otherwise retain their distinct identities.
QS – Quantity Surveyor: A construction industry professional with expert knowledge in construction costs and contracts. Usually employed by the Lender to check over your build costs and to assist with monitoring during the construction.
MS – Monitoring Surveyor: A construction industry professional with expert knowledge in construction costs and contracts. Usually employed by the Lender to check to assist with monitoring during the construction.
PG – Personal Guarantee: refers to an individual’s legal promise to repay credit issued to a business for which they serve as an executive or partner. Providing a personal guarantee means that if the business becomes unable to repay the debt, the individual assumes personal responsibility for the balance (Investopedia).
ERC – Early Redemption Charge: a fee you might be required to pay when redeeming your loan. Also known as Redemption Fee. Most Lenders will have an Early Repayment Charge if redemption occurs during their fixed term period.
Eskrow.fund
Read the reviews
Eskrow.Fund have been absolutely brilliant
Eskrow.Fund have been an absolutely brilliant company to deal with. They have been very helpful and always quick to get back to me. I would highly recommend them to anyone who is looking for development finance.
D Hamada
Personal service behind the automation. Brilliant!
The service I received was a great surprise- a person behind the automation! With knowledge and skill to feedback valuable insight on the deal presented!
Will definitely use this service again!
J Bassi
Eskrow.Fund have outstanding customer care
Eskrow.Fund have exceptional customer care as well as brilliant knowledge. We will be using their services for the foreseeable future.
J Hilford
Contact
Address
Suite 2a, Blackthorn House, Mary Ann Street, Jewellery Quarter, Birmingham, England, B3 1RL
hello@eskrow.fund
Social
Eskrow.Fund a UK based property finance specialist in all types of commercial and residential property. Eskrow.Fund is a credit broker and not a lender. Eskrow.Fund works with a panel of lenders as opposed to just one lender. Eskrow.Fund is not regulated by the Financial Conduct Authority (FCA). We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. Property development carries risk, including variables beyond the developer’s control. A property development loan is debt and should be procured with caution. Eskrow.Fund does not provide information on personal mortgages, but your home and other assets are at risk if you provide a personal guarantee for a corporate loan.
Eskrow.Fund is a trading style of Eskrow Group Ltd registered in England and Wales No.15527116. Registered office: Suite 2a, Blackthorn House, Mary Ann Street, Jewellery Quarter, Birmingham, England, B3 1RL.
@ESKROW GROUP LTD 2024 - All rights reserved.
Terms of business for Broking service
Eskrow.fund
This paperwork outlines how we (Eskrow Group Ltd (also known as the Eskrow.Fund) will engage with you in delivering brokerage services.
Our Offerings
We pledge to constantly act in your favor. We'll seek out financial options from the market that align with the needs you divulge to us. Once you've selected your preferred choice, we'll furnish you with details regarding the loan and its provider, ensuring full comprehension of your obligations before proceeding. We'll serve as your representative, functioning as an introducer, not a lender. Since we're not FCA regulated, we cannot offer financial counsel. Independent advice from an IFA would be necessary.
Service Scope
We operate independently, devoid of ties to any specific UK lender or network, enabling us to procure and tailor the most suitable financial package for our clients. Our allegiance lies with your interests, not those of the lender.
Fees
For Development Loan and Bridging Loan cases, a Broker Fee equivalent to 1% of the borrowed sum will be levied. Whenever feasible, this fee will be incorporated into the loan. Additionally, we may receive a Procuration fee (commission) from the lender.
Referral Arrangements
In certain instances, if your case originated from a third party referral, we'll compensate them with a referral fee. This fee will amount to 50% of our Broker Fee.
Complaint Handling
Our goal is to offer you a professional, confidential service of the utmost quality. Nonetheless, if there are instances where you feel this standard hasn't been met, you're encouraged to lodge a complaint in writing to:
Contact Person: Rayan Singh
Email: eskrow@mail.com
We endeavor to address your concerns promptly.
A summary of our internal complaints resolution procedures, designed for the swift and fair handling of complaints, is available upon request. Should you remain dissatisfied with our resolution, you may have the option to escalate the matter to the Financial Ombudsman Service via www.financial-ombudsman.org.uk or by contacting them at 0800 023 4 567.
Data Protection Statement
Eskrow.fund
This Privacy Policy outlines the practices of Eskrow Group Ltd (also trading as Eskrow.Fund) concerning the handling of information provided by users of this website.
Eskrow Group Ltd (also trading as Eskrow.Fund) is committed to ensuring your privacy. Any information requested from you during website usage will be used solely in accordance with this privacy statement.
Periodically, Eskrow Group Ltd (also trading as Eskrow.Fund) may update this policy by amending this page. It is advisable to periodically review this page to ensure satisfaction with any changes. This policy is effective from 01 March 2024
Data Collection
We may gather the following details:
- Personal details including name and occupation
- Contact information such as email address
- Geographic details such as postcode, preferences, and interests
- Other relevant information for customer surveys and promotional offers
Data Usage
We use the collected information for the following purposes:
- Internal record keeping
- Improvement of our products and services
- Periodic distribution of promotional material via email
- Occasional contact for market research, potentially via email, telephone, or mail
- Customization of website content based on user interests
Security Measures
We are committed to ensuring the security of your information. Appropriate physical, electronic, and managerial procedures have been put in place to prevent unauthorized access or disclosure of collected data.
Cookie Usage
Cookies may be used to enhance user experience. These small files, upon user consent, help analyze web traffic and personalize webpage content based on individual preferences. Users may opt to decline cookies through browser settings, although this may limit website functionality.
External Links
While our website may contain links to other sites, it's important to note that we do not have control over these external platforms. Consequently, we cannot be held responsible for the safeguarding of information provided on such websites.
Personal Information Control
Users retain control over their personal data through the following means:
- Opting out of direct marketing via specified checkboxes on website forms
- Altering preferences regarding the use of personal data for marketing by contacting eskrow@mail.com
- Rest assured, personal information will not be sold, distributed, or leased to third parties without explicit consent or legal obligation.
For further information on personal data held by us, users may request details under the Data Protection Act 1998. A nominal fee may apply. Inquiries or corrections regarding personal data should be directed to: eskrow@mail.com We commit to promptly rectify any inaccuracies found in the data we hold.