Private Debt

PHINOM provides bridging loans from £1 million upwards, secured against prime and super-prime real estate globally.

We specialise in complex, high-value transactions and lend across all real estate classes, including luxury residential, commercial, industrial, and in some cases land where clear liquidity exists.

With a global mandate, we can structure facilities against property in any jurisdiction, including assets held within multi-jurisdictional ownership structures. While we do not finance ground-up or heavy developments, PHINOM will consider CAPEX loans where there is existing real estate value and a clear exit strategy.

PHINOM offers liquidity solutions for clients with holdings in either private or publicly traded shares. We cater to clients holding less liquid stocks, concentrated ownership, and those listed on exchanges globally, beyond just the major markets in the UK and US.

PHINOM can also consider private shares where this is a strong secondary market or is on the runway to IPO (<24mths) as well as LP interests in private equity funds.

Loan arrangements can be finalized within two weeks and are tailored to align with your holdings and meet any regulatory requirements.

PHINOM specialises in short, fixed-term corporate finance where speed and certainty are critical. We provide structured, trade-finance style facilities, emergency funding when there is a clear exit, and short-term support for M&A transactions with defined repayment events.

Our focus is always on lending against real value and delivering rapid execution, not long-term growth capital.