Zorin Finance

Zorin Finance Limited operates as a real estate lender based in London, United Kingdom, specialising in providing unregulated loans to corporate entities and private individuals for property development and investment purposes. The firm was established in 2011 with a focus on offering flexible finance solutions to property developers and investors. Its services encompass development finance and bridging loans, catering to a range of property types across the UK.

The company's lending approach is characterised by its ability to offer higher loan-to-cost (LTC) and loan-to-gross-development-value (LTGDV) ratios compared to traditional banks, extending up to 90% LTC and 75% LTGDV. This allows borrowers to manage their capital more efficiently or allocate it across multiple projects. Zorin Finance aims to provide a streamlined loan approval process, typically completing lending within six to eight weeks, in contrast to the longer timelines often associated with larger financial institutions. The firm also considers planning uplift towards equity contributions and assesses conditions for initial drawdown flexibly, enabling developers to appoint professional teams without immediate pressure on completion dates.

Zorin Finance offers a range of products, including development finance and investment loans. Development finance is available for residential, mixed-use, and student accommodation projects nationwide, with the capacity to stretch capital further by lending up to 90% LTC for various development purposes. Investment loans are provided for experienced property investors, covering residential and commercial assets, with loan-to-value (LTV) ratios of up to 75% and terms up to five years. The firm's target sectors for investment loans include development exit, stabilised residential and commercial properties, private rented sector (PRS), regional offices, light industrial and distribution, hotels, student accommodation, and multi-tenanted estates or portfolios. Loan sizes typically range from £2 million to £150 million.

The firm has a notable track record in the Purpose-Built Student Accommodation (PBSA) sector. Zorin Finance provides development finance for student accommodation projects and offers investment loans for stabilised PBSA assets. The company has completed several significant PBSA transactions, including a £25 million funding package in Bath, which was split into development and investment term loans. Other completed projects include a £40 million loan for a 419-studio PBSA development in Nottingham, an £8.5 million PBSA development loan for an 81-bed project near the University of Bristol, and a £13.6 million development loan for a 201-bed PBSA block in Northampton. The team's expertise extends to structuring debt across various asset classes, including student accommodation.

Zorin Finance emphasises transparency and consistent communication throughout the loan application and management process. Borrowers receive updates at each of the eight steps to drawdown and periodic performance reports thereafter. The company assigns dedicated relationship and credit managers to clients, ensuring continuity of service from the initial application through to loan completion. The firm's team possesses extensive real estate experience, with many members having backgrounds as property developers and investors, which contributes to their understanding of borrowers' business needs. The company's registered address is 7th Floor, 19 Dacre Street, London, SW1H 0DJ, and it operates under Company Number 7514913.