Who are Sancus and what do they do?Sancus provides short to medium term bridging loans and property development finance. Borrowers include small-medium enterprises, high net worth individuals, property owners and developers. Typical loan values are £250k to £20m. We do not provide personal loans or loans on owner occupied properties.

We syndicate our loans, providing an opportunity for private individuals and institutions (“Co-Funders”) to lend their funds alongside us and receive attractive, risk adjusted returns on loans that have been reviewed and approved by our experienced credit committee.

The Sancus Group has offices in the UK, Ireland, Jersey, Guernsey, Gibraltar and the Isle of Man*.

Our Isle of Man office is headed by Graham Sheward (ex - Barclays International Banking and NatWest Offshore) supported by Rachael Bajard and Donal Carroll (business development) and Sarah Kinrade.

Sancus has lent in excess of £1 billion since its launch in 2013.

Who are typical Borrowers and why do they use Sancus?Sancus provides loans to mid-market property developers and smaller companies, individuals and parties

Sancus IOM team, L to R: Sarah Kinrade, Graham Sheward, Donal Carroll and Rachael Bajard.

involved in property investment and development who may find borrowing from traditional high street banks or building societies difficult or too slow due to restrictive lending policies, red-tape and lengthy decision-taking times.

We have an entrepreneurial culture, greater flexibility and a faster decision making process than more traditional finance providers. By completing loans quickly borrowers can take advantage of new business opportunities and favourable pricing due to certainty and speed of delivery of their financing.

The Isle of Man team can provide funding for projects locally, and regionally in Northern Ireland, Scotland and Northern England / UK. Recent loans include a £350k bridging loan to a UK company to complete minor works on a property in Northern Ireland prior to sale and a £3.1m loan to assist with the purchase of a site for development in the UK.

Clients either approach us direct or via brokers and professional services firms such as lawyers, tax specialists and estate agents. We also help local Corporate Service Provider (CSP) clients who might be asset rich and cash restrained with complex corporate structures who want to leverage assets to generate cash.

Sancus aren’t a bank with customer deposits so how does it finance loans?Sancus has access to a range of significant permanent capital, including its own proprietary capital, institutional funding lines (The Sancus Loan Note programme and Honeycomb Investment Trust) and Sancus Co-Funders.

We participate in every loan written with our own capital, alongside Co-Funders and other funding lines. The combined specialist knowledge and experience of the Group’s teams located across all jurisdictions means a full understanding of each market. This, combined with total lending experience of over 75 years across the decision making team gives further confidence in the Group’s risk appraisal process.

Who are Sancus Co-Funders and what type of returns can they expect?Typical Co-Funders are institutions, family offices, High Net Worth Individuals and private clients who

are seeking either diversification from the volatility associated with equity and bond markets or an alternative to the current low deposit interest rates available.

Co-Funders may participate in both Sterling and Euro loans with access to Sancus’ proprietary online platform which provides information on their loan participation, performance, returns and aggregate group performance on loans. Co-Funders can be located anywhere in the world and the minimum Co-Funder loan participation is £100,000.

Sancus has a number of repeat Isle of Man Co-Funders that participate in a range of funding opportunities in both the Island and across other Sancus jurisdictions on a regular basis. Term lengths and expected returns vary depending on the specifics of each loan, with term averaging between 6 and 24 months and typical returns in excess of 7%, all secured on assets.

Each funding opportunity is reviewed and approved by the credit committee before summary term sheets are circulated to Co-Funders, with further details of the loan being circulated once the Co-Funder has expressed an interest in a specific funding opportunity.

Lending is not risk free and we recommend Co-Funders take independent legal advice before participating in loans.

What should prospective Borrowers / Co-Funders do if they want to learn more about the Sancus offerings?You can contact the Sancus Isle of Man team by emailing graham.sheward@sancus.com or call the office on 01624 604100 to arrange an appointment. You can see details of the team on the website at www.sancus.com and if you are on Linkedin in please follow The Sancus Group to see deals completed as they happen.

We will also be organising some events during the year to discuss local and regional property markets, so please get in touch so we can add you to our guest list.

*an affiliate company

Sancus (IOM) Limited

2nd Floor Exchange House,

54–58 Athol Street,

Douglas,

Isle of Man, IM1 1JD

t +44 (0)1624 604100

www.sancus.com

Business365 talks to Graham Sheward, Managing Director, Sancus IOM

Co-funders can be located anywhere in the world.