Case Studies

Challenge:
A private family sought to refinance their primary residence from £20M to £28.8M. The incoming lender required removal of a third-party lien—subject to ongoing litigation—as a condition precedent to final approval. Without resolution, the refinancing would collapse.

Solution:
Decama structured a £1.6M short-term facility with proceeds held in escrow, specifically to discharge the lien and deliver clean title ahead of the refinancing completion.

Outcome:
Third-party lien cleared. Refinancing completed as planned.

Challenge:
The owner of a Central London commercial portfolio was unable to refinance due to insolvency proceedings affecting an affiliated operating company. Traditional lenders would not proceed while the group company remained in administration.

Solution:
Decama provided a £2.0M facility to repay the operating company's creditors, secured solely against the real estate portfolio without taking security over the distressed entity itself. This ringfenced the property assets and removed the refinancing barrier.

Outcome:
Operating company debt cleared. Portfolio stabilised and successfully refinanced.

Challenge:
A bridge lender held a £4M loan to an operational business secured against a large industrial property in London. Following several months of missed interest payments, the borrower fell into administration. The bridge lender needed to offload the non-performing loan immediately, as retaining it would trigger a covenant event with his own funders.

Solution:
Decama purchased the loan through an assignment within 24 hours, providing the bridge lender with an immediate exit and removing the NPL from his book before the covenant breach could crystallise.

Outcome:
Loan purchased through assignment within 24 hours. Bridge lender achieved a clean, immediate exit with the NPL removed from his book and the covenant event avoided.