Development Finance
The hardest & most important part of the funding jigsaw.
We have a wide range of relationships with wealthy individuals and entities that enables us to raise equity for large and small projects which requires a truly sophisticated grasp of a deal, much more than simply brokering some debt.
Development Finance
At its core, development finance enables developers to focus on sourcing opportunities, designing, and delivering projects.
For smaller developers building a pair of semis or a block of apartments, securing the right funding is critical.
That same expertise extends to working with CFOs of major real estate firms, arranging finance that allows them to concentrate on running their business. The depth of lending relationships ensures access to a broader range of funding solutions, built on a track record of volume and experience.
With a historical niche in the luxury sector, funding some of the UK’s most expensive single properties and prestigious large-scale developments, there is an extensive catalogue of successfully delivered projects. In recent years, this has expanded to funding thousands of PD units and developing expertise in the full lifecycle of BTR & PBSA projects—from pre-planning acquisition through construction to stabilisation.
Unlike many in the industry who simply introduce a lender and step back, the approach here is hands-on, driving the deal through execution, coordinating professional teams, and ensuring smooth delivery with a deep understanding of both construction processes and lender requirements.
Once considered ‘emerging’ asset classes, these sectors have rapidly become a key focus for institutional investors, attracting large-scale developers.
This shift has been driven by innovative funding solutions that allow private developers to undertake significantly larger projects than would be possible through speculative development alone.
BTR (Build to Rent) and PBSA (Purpose-Built Student Accommodation) are core areas of expertise, alongside the expanding Co-Living sector. Facilities have been arranged across the UK, covering every stage of the development journey—from land acquisition and development finance to equity structuring, forward funding, and stabilised refinancing.
Hotels represent another highly specialised asset class. Structuring the right funding requires an in-depth understanding of the agreements between investors and hoteliers, as well as how funders assess these arrangements. This expertise ensures that finance is tailored to meet both the operational and investment needs of the sector.
Joint Venture & Equity Funding
Operation Real Estate
While simplicity is often best, the way an equity provider is positioned within a project can make all the difference. Structuring a balanced agreement requires both experience and foresight to navigate the many variables that can impact a deal.
For successful developers, opportunities often outpace available capital due to the lifecycle of each project. There is a growing market of funds and family offices with a strong appetite for Joint Venture (JV) equity, and long-standing relationships across this network provide access to the right capital partners. Additionally, JV structures have been arranged with high-net-worth individuals and family offices for over 20 years.
One equity partner may be the perfect fit for one developer but entirely unsuitable for another. Each deal is carefully curated to ensure the right alignment between funding partners and project stakeholders.
As with all aspects of the process, the approach goes beyond simple introductions. Every deal is analysed, structured, and driven through its various phases to ensure successful execution.Equity is the hardest and most important part of the funding jigsaw. Attracting or deploying Equity requires a truly sophisticated grasp of a deal, much more than simply brokering some debt.
Whilst the simple answer is often the best answer, the subtleties around how an equity provider is positioned in a project is crucial for both sides of the deal. Having the experience and foresight for the many variable machinations enables us to present an appropriately balanced structure.
We also attract and manage relationships with a multitude of wealthy individuals and entities. We regularly negotiate deals for them to partake in the many opportunities we see through our established developer clients. are experts in arranging property finance for both private and commercial clients. We act for individuals mortgaging their own home, or a buy to let investment. For those who generate their wealth and income from real estate, we advise investors and developers, as well as operating our own funding lines.
For businesses and investors seeking commercial property finance, expert guidance is essential in navigating the complexities of securing the right funding. While commercial finance opportunities are promoted here, all enquiries are referred to a trusted specialist to ensure access to the most suitable solutions.
Carbon Oxford acts as an introducer for commercial finance, passing enquiries to an experienced broker operating within a separate entity. This ensures clients receive tailored advice from a dedicated commercial finance expert while maintaining a clear distinction between services.
Whether for office, retail, industrial, or mixed-use properties, referrals are made to specialists who can structure the right funding solutions based on individual requirements.