Jessy Kadimadio
Founder & Managing Director
Every mandate starts with understanding what the client is actually trying to achieve. My role is to bring the right people around the table, structure the requirement clearly and remain involved as the transaction develops.
Capital Already Sitting in the Business
A UK property business approached Sutterson Reed with a relatively simple objective: release capital from an existing real estate asset without selling it.
The underlying property carried substantial equity, but the requirement could not be considered on value alone. Existing borrowing, ownership, intended use of funds and the longer term strategy all influenced how a new facility needed to be structured.
Sutterson Reed reviewed the position as a whole before approaching the lending market. The objective was not simply to maximise leverage, but to establish a financing structure that released useful liquidity while preserving sufficient flexibility for the business.
The mandate was positioned with selected property lenders and resulted in financing terms being secured against the asset.
What appeared to be a straightforward equity release also opened a wider conversation around the company’s property strategy and future financing requirements. This is often where a relatively small initial mandate becomes valuable. The immediate requirement may be liquidity, but understanding why that liquidity is required can reveal a much broader financial picture.
Looking Beyond the Property
Property backed finance is often presented as a calculation between asset value and loan amount. In practice, the quality of a transaction depends on considerably more.
Ownership, existing debt, cash flow, intended use of funds and the eventual repayment strategy all influence which lenders and structures are appropriate.
Our role was to bring those elements together, present the requirement clearly and coordinate the financing conversation with counterparties suited to the circumstances.
For Sutterson Reed, the mandate reflected a simple principle: existing assets can create opportunities, but only when the financing around them is structured with the wider objective in mind.
Certain details relating to this mandate have been withheld or generalised to preserve client and counterparty confidentiality.