Loan Solutions

We structure and coordinate loan solutions across a spectrum of instruments — from secured real-estate and art lending to asset-backed, convertible, mezzanine and syndicated financings. Our role is to match the financing purpose, the security available and the eligible lender audience to the underlying situation, then to run a disciplined origination and closing process. Credit itself is provided by the identified banks, funds, private-credit investors and licensed lenders engaged for the mandate.

• Corporate groups, holdings and operators with defined financing needs.
• Asset owners and real-estate sponsors with identifiable underlying security.
• Family offices and private wealth structures organising financing against dedicated collateral.
• Sponsors preparing acquisition or growth financings requiring subordinated or hybrid layers.

• Financing against an identified asset

  The borrower holds an identifiable asset — real estate, curated art, receivables or another eligible collateral — and needs a facility structured around it.

• Bridge to a specific event

  The borrower needs a financing that carries the situation to a defined refinancing, sale or capital event.

• Hybrid financing

  The situation calls for a subordinated or convertible layer between senior debt and equity to preserve dilution or covenants.

• Multi-lender transaction

  The financing size or complexity requires a syndicated approach with coordinated documentation across several lenders.

Scale

Mid-market European financing solutions across secured, mezzanine, convertible and syndicated formats.

Timing

Typically several months from mandate to closing, depending on complexity and counterparties.

Geography

Continental European corridors with recurring activity across France, Italy, Luxembourg, Switzerland and Monaco; selective UK, MENA and transatlantic exposure.

• Financing purpose analysis and security review.
• Instrument selection across the six families below.
• Security package and covenant grid design.
• Origination process towards the eligible lender audience.
• Documentation coordination and closing.
• Framework alignment with the applicable banking, lending and, where relevant, alternative credit-fund frameworks in the jurisdictions engaged.

• Real Estate Lending

  Financing secured on real-estate assets — investment properties, development projects or income-producing portfolios. We structure the facility around the asset thesis, the security package, the valuation discipline and the exit event, then engage lenders whose credit appetite matches the profile.

• Art Lending

  Financing secured on curated art collections whose valuation, insurance and custody can be verified through recognised professionals. We coordinate expert appraisal, custody arrangements and covenant design with lenders active in this collateral class.

• Asset-Backed Loans

  Financing structured against identified underlying assets — receivables, inventory, equipment or eligible portfolios — with a security package and covenant grid calibrated to the assets’ behaviour. We coordinate the eligibility analysis and the reporting rhythm expected by lenders.

• Convertible Loans

  Hybrid instruments combining debt with a conversion mechanism into equity, generally used to bridge growth or acquisition steps while preserving cap-table discipline. We design the conversion terms alongside qualified legal counsel and coordinate the investor process.

• Mezzanine Loans

  Subordinated financing positioned between senior debt and equity, typically used in growth, acquisition or refinancing situations where senior capacity is exhausted but equity dilution is undesirable. We coordinate the inter-creditor framework with the senior lenders and the sponsors.

• Syndicated Loans

  Financings coordinated across a group of eligible lenders under a common documentation. We act as originator and process coordinator between the borrower, the arranger(s) and the participating lenders through the syndication cycle.

1. 01
   Diagnostic

   We map the financing purpose, the available security, the target lender audience and the closing horizon.

2. 02
   Structuring

   We select the instrument family and design the security package, the covenant grid and the documentation calendar with qualified counsel.

3. 03
   Origination

   We engage the relevant eligible lender community under confidentiality and coordinate their diligence and structuring feedback.

4. 04
   Closing

   We coordinate documentation, conditions precedent, drawdown and the handover to the borrower’s finance function.

• Instrument fit

  The instrument reflects the situation and is shaped by it.

• Coherent lender engagement

  We approach lenders whose credit appetite genuinely matches the profile, which shortens the process.

• Coordinated closing

  Documentation and conditions precedent advance on a single calendar owned by the mandate lead.

• Legal

  Qualified external counsel drafts and negotiates finance and security documentation.

• Tax

  Qualified tax advisers confirm the treatment of the instrument and any cross-border considerations.

• Valuation and expertise

  Independent valuers and recognised experts contribute to the diligence on the underlying collateral.

• Instrument-agnostic

  We let the situation determine the instrument and stay open to every eligible product family.

• Preparation discipline

  The security package and covenant grid are ready for credit committee before the process opens.

• Single mandate lead

  One senior team owns the borrower relationship, the lender dialogue and the closing calendar.

• Pricing, covenants, security, tenor and availability are set by the definitive transaction documentation and the participating lenders.
• CGPH Banque d’affaires acts as adviser, originator, structurer and process coordinator; credit is provided by the identified banks, funds, private-credit investors and licensed lenders engaged for the mandate.

Which loan family fits a given situation?

The choice reflects the financing purpose, the available security, the tenor and the target lender audience. We work through those criteria with the borrower before selecting an instrument.

Who provides the credit?

CGPH Banque d’affaires acts as adviser, originator, structurer and process coordinator. The credit itself is provided by the identified banks, private-credit funds and licensed lenders engaged for the mandate.

How is the security package built?

It is built with the borrower and qualified legal counsel, calibrated to the identified collateral and to the discipline expected by the target lender audience.

How long does a loan mandate take to close?

The calendar depends on the family of instrument, the complexity of the security and the diligence required. We set it explicitly with the borrower at the diagnostic stage.