The future of real estate debt investments.
— Company
Success comes where trust meets substance.
substnz is an international, independent, and owner operated platform for real estate debt investments with teams in Hamburg and London.
Our focus spans across first and second ranking commercial real estate loans, project financing, and capex loans with a strong emphasis on ESG.
Whether you are an investor searching for opportunities or a borrower seeking customised financing solutions, our team is dedicated to assisting you in achieving your objectives.
Our Expertise
Our team has a wealth of experience and profound industry knowledge in the field of real estate debt investments, workouts and capital markets from pre-GFC to present. We operate independently and consistently whilst prioritising a holistic approach to real estate investment.
Collaborative Partnerships
Together with our partners Mount Real Estate Capital Partners, known for its proficiency in debt structuring and loan management, eXapital Capital Advisors, undertaking debt investments and capital market services and Sonar Real Estate, an independent asset manager with a local presence in all key markets in Germany, we offer a 360-degree view on real estate investment.
International Presence, Local Insight
Operating from Hamburg and London, we establish a formidable local presence in vital European markets. This ensures our deep understanding of market dynamics and allows us to craft investment strategies tailored to local nuances.
Customised Solutions for Borrowers and Investors
We are seen as partners and work collaboratively to develop ideal financing solutions customised to the specific requirements of each project. Our platform sets us apart in the area of real estate debt investments.
– Solution & Services
For Investors
Visions need opportunities. And foresight.
Whether you're an institutional or other professional investor seeking investment opportunities for your organisation, substnz is well versed in assisting with real estate debt requirements.
Investment expertise
We possess a wealth of expertise spanning various sectors and risk profiles, coupled with a profound understanding of ESG and regulatory principles. Our international team operates from both Germany and the United Kingdom, benefitting from a robust network of local partners.
Tailored investment solutions
At substnz, we understand that each real estate debt investment is unique. That's why we offer customised investment solutions designed to meet your specific needs and objectives.
Investment strategies
Our core focus is on two key aspects: higher yielding opportunities for acquisition, recapitalisation and bridging collateralised by commercial real estate, and stable income through first-lien secured real estate loans.
Single Asset Transactions
We specialise in individual real estate investment opportunities, assisting with financing and refinancing single properties.
Club Deals
Join forces with other investors to pursue larger real estate ventures. We create strategic partnerships to align and support each participant's goals.
Separate Managed Accounts (SMAs)
Tailor your real estate debt investments with personalised SMAs, offering direct control and flexibility based on your preferences and risk tolerance.
Programmatic Venture
Our proactive approach targets strategic programs, with a current focus on recapitalisations in the market, emphasising quality assets and owners.
Comprehensive Real Estate Debt Services
Beyond investment strategies, we offer a full range of services, including loan origination, underwriting, due diligence, loan management, and risk management, ensuring meticulous management of your real estate debt investments.
– Solution & Services
For Borrowers
Your real estate finance partner
substnz works with property developers, managers, or owners seeking financing solutions for their real estate ventures. We work closely with you, comprehending your distinct needs and offer tailored financing products.
Tailored financing solutions
Our commitment is to provide you with comprehensive, tailored financing solutions that match your specific requirements. Geographically we focus on Europe with an emphasis on Germany and the UK, targeting standing investments and project developments across diverse property types such as light industrial, residential, logistics, office spaces, ESG conversions, hotels, and serviced apartments.
Loan types
We offer a variety of loan types for acquisition, refinancing, recapitalisation, restructuring, and bridging in the form of whole and mezzanine loans.
Mezzanine loan:
- Geography: focus on Germany & UK
- Property type: standing investment & project developments
- Sector focus: light industrial, residential, logistics, office ESG conversions and new developments, hotel & serviced apartments
- Lending: €5m+
Whole loan:
- Geography: Western Europe
- Property type: standing investment & project development
- Focus: income producing with strong ESG focus
- Uses: acquisition and refinancing
- Lending: €15m+
– ESG
Our Commitment to ESG and Digitalisation
At substnz, we recognise that the landscape of real estate debt investments is continually evolving. To stay ahead of the curve and ensure the sustainability, regulatory requirements, and success of our investments, we place a strong emphasis on two critical pillars: ESG integration and digitalisation.
ESG Integration
substnz is committed to integrating sustainability into our real estate debt investment processes. We provide modular reporting tools for investors, each investment adheres to specific ESG guidelines, and our property assessments align with industry standards for objective evaluations. Our approach prioritises identifying opportunities and managing risks while actively pursuing our goals. Together with our partners we monitor and strive to provide an integrated ESG lending process.
Digitalisation & Reporting
In an increasingly digital world, we leverage cutting-edge technology and data analytics to enhance our decision-making processes and reporting. We maintain a vigilant approach to compliance, keeping abreast of evolving regulations and ensuring that our investment strategies and structures align with all relevant legal, ESG and regulatory standards. Our partnership with industry experts helps us stay ahead of the curve and deliver investment solutions that meet the highest regulatory standards.
– Team
Excellence needs passion. And expertise.
At substnz, our success is driven by our diverse, experienced team, strong partnerships, and international perspective. Our experts cover real estate debt, underwriting, asset management, risk assessment, and financial structuring, enabling us to excel in complex investments.
