Lending – Ardent Capital

Lending

What we lend on

Three secured products for Irish limited companies. Facilities from €250,000 to €5,000,000.

Development Finance

Construction and completion funding for residential and mixed-use schemes, and development exit facilities that give a completed scheme time to sell.

Standard lending criteria

€250,000 to €5,000,000
Terms typically 12 to 36 months, aligned to the build programme
Sites already in the borrower’s ownership, with planning permission granted
Drawn in tranches against works certified by a monitoring surveyor
Interest serviced monthly or rolled up into the facility
First legal charge over the property, debenture and directors’ guarantees
We do not fund site acquisition

Property Purchase Finance

Finance for companies acquiring residential and investment property — including auction and receiver purchases where the completion date is tight.

Standard lending criteria

€250,000 to €5,000,000
Terms typically 6 to 36 months
Residential, investment and mixed-use property considered
Properties requiring refurbishment before letting or refinancing
Exit by sale, by refinancing, or from the company’s own resources
First legal charge over the property, debenture and directors’ guarantees

Commercial Property Finance

Funding for companies buying commercial premises — offices, retail, industrial, licensed and healthcare — whether owner-occupied or let.

Standard lending criteria

€250,000 to €5,000,000
Terms typically 12 to 36 months, longer considered for let investment property
Refinancing of a maturing commercial facility considered
Interest serviced from trading or rental income, or rolled up
First legal charge, assignment of leases where let, and directors’ guarantees

How we lend

From enquiry to drawdown

Enquiry

A principal responds directly, usually within one working day, and tells you promptly whether it is a proposal we can consider.

Indicative terms

If the proposal fits, we issue a term sheet setting out amount, term, rate, fees, security and conditions. No hidden charges.

Due diligence

Valuation, title and legal work proceed in parallel, typically two to four weeks.

Drawdown

Facility documents reflect the term sheet. Once signed, funds are released to your solicitor.

Fees. Set out in the indicative term sheet and fixed at that point — typically an arrangement fee on drawdown and an exit fee on repayment. We do not charge for considering a proposal or for issuing terms.

Intermediaries. We welcome introductions from brokers, accountants and solicitors, and pay introducer fees on completed transactions where agreed in advance.

Start with an enquiry

Tell us about the company, the property and the funding required.