TMS Commercial has a Structured Finance Team that creates “one-of-a-kind” financing solutions for borrowers through its bridge and mezzanine products.

Depending on the project, duration, valuation, rate and other variables, TMS Commercial is able to craft highly structured financing solutions for multifamily and commercial properties

Mezzanine finance
Mezzanine finance is a form of risk capital that combines the characteristics of conventional bank lending and equity funding. It is often used where the provision of traditional bank finance is considered too risky by a lender.

In return for accepting a higher funding risk, the mezzanine lender receives a higher rate of interest and a stake in the company’s equity. Mezzanine provides a distinct advantage to a company’s shareholders as it is less dilutive than traditional forms of equity investment.

Traditionally mezzanine has been used to bridge a funding gap in conventional management buy-outs and buy-ins. Times have changed. Mezzanine finance can now also be considered a stand alone funding solution, often as an alternative to more expensive equity finance. Mezzanine is now commonly used to provide acquisition finance, development capital, replacement capital as well as finance for the more traditional management buy-out, buy-in scenarios.

TMS Commercial has the portfolio of lenders on hand to develop a strategic Mezzanine financing solution for your development, enterprise or project.

Commercial Bridging Finance
If you are locked into a chain of commercial events, where you are buying an asset or property at the same time as selling an asset, it's possible that you'll be put in the situation where you need to complete your purchase, but the funds from your buyer are not present.

At this time, the vendor may threaten to accept someone else's offer or cancel the transaction unless you settle by a certain date. Without the proceeds from your asset's sale you would have nowhere to turn. This is where the bridging loan comes in.

Bridging loans are readily available, as the fact that they should be paid back very quickly makes them slightly less risky. But the businesses taking out bridging loans are usually in a situation where they are desperate enough that they would accept some punitively expensive rates on the loan.

TMS Commercial specialises in brokering Commercial Bridging Loans to minimise the cost for your business, whilst maximises the benefit.