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C O N T E N T S

CONTENTS III

DEFINITION OF MANTRA V

OUR MANTRA VII

OUR MANTRA CONTINUED IX

BY YOUR SIDE XI

DEBT & PROTECTION ADVISORY XIII

PROPERTY FINANCE XV

FINANCE FOR TRADING BUSINESS XVII

MANTRA DENTAL FINANCE XIX

MORTGAGES & PRIVATE CLIENTS / PROTECTION XXI

MANTRA CAPITAL CORE VALUES XXIII

ETHICAL & PROFESSIONAL CONDUCT XXV

COMPLETE TRANSPARENCY XXVII

PROFESSIONAL PRESENTATION TO LENDING PARTNERS XXIX

ACTIVE SUPPORT XXXI

OUR PEOPLE XXXIII

Mantra Capital is a broker and not a lender. Mantra Capital is a trading style of Mantra

Consultancy & Capital Ltd and is authorised and regulated by the Financial Conduct Authority.

M A N T R A - noun [C] /ˈmæn.trə/

“A word or phrase that is often repeated and expresses a particular

strong belief”

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O U R M A N T R A

Mantra Capital is a boutique Commercial Finance brokerage firm with

offices in London and Birmingham. Led by ex-senior Bankers who

understand the inner mechanisms of Commercial Banking.

Mantra Capital have direct experience of lending into a multitude

of different sectors.

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Our team has expertise spanning both the Residential and

Commercial sectors, with an obsessive drive to provide a unique,

entrepreneur centric level of service to our clients.

With several decades of industry experience we can meet your

finance and insurance requirements.

We are honoured to have a personal relationship with every

lender who will lend in the UK, with many of these relationships

at senior management, decision maker level, leading to efficient

solutions in record time. We are Bankers working for you - on

your side of the table.

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B Y Y O U R S I D E

We take immense pride in standing alongside our entrepreneurs, assisting you

in raising various forms of finance as your personal in-house Bankers.

We protect your time and take the stress away, handling the end to end

process as a partner to your business. We’re not like any other brokerage you

may have come across, we insist on being part of your family.

“Time is the scarcest commodity. No matter who you are, you

have 24 hours a day, and when you give time up you’re giving up

something important”

WARREN BUFFETT“

“

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D E B T & P R O T E C T I O N A D V I S O R Y W I T H

A F A M I L Y O F F I C E F E E L

Property Finance including Buy to Lets, Residential/Commercial

Investments and Development

Finance for Trading Business

Mantra Dental Finance

Mortgages & Private Clients

Personal & Corporate Protection

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P R O P E R T Y F I N A N C E

Property Investment

Property Finance for Residential & Commercial Investment properties – onshore & offshore

– whatever the value

Professional Buy to Let investors via SPV companies

High Value / Low Yield property

Finance for incorporating portfolios from personal name into limited companies

Development Finance

Full development appraisal structured by in-house analysts

Professional Buy to Let investors via SPV companies

Speculative & opportunistic land purchasing – with and without planning

Stretched Senior Finance

Mezzanine Finance

Commercial Development Finance

Bridging Finance – access to private funds with certainty of development

HMO funding

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F I N A N C E F O R T R A D I N G B U S I N E S S

Commercial Mortgages for owner occupied

Cash flow/leverage finance structuring capabilities

Asset backed lending

Growth capital/roll out finance arranged

Multi sector capabilities – including Healthcare, Retail, Financial Services,

Education, Leisure and Manufacturing

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M A N T R A D E N T A L F I N A N C E

Specialist Dental Finance team with direct Healthcare Banking experience

Structured in excess of £30m of debt in this sector since inception

A Finance Team that is independent of dental sales agencies – our priority is making sure

you get the best finance package not just going with the path to least resistance

We work for you with no ambiguity

Intimate knowledge of the dental sector, working with NHS, Private and Mixed practices

across the UK

Finance for associates purchasing their 1st practice to groups looking to expand their

portfolios

Competitive rates and structures due to our specialist lending relationships

Personal relationships with all specialist lenders as well as many solicitors and accountants

who are experts in this sector

Range of protection options, including specialist Income Protection, Shareholder Protection,

Critical Illness & Life Cover

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M O R T G A G E S & P R I V A T E C L I E N T S

National presence

Whole of market Residential Mortgages & Buy to Lets

High Value Transactions (£1m+)

Funding arranged for schemes of all sizes

P R O T E C T I O N

Whole of market life cover

Income Protection

Critical Illness

Family Cover

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M A N T R A C A P I T A L C O R E V A L U E S

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E T H I C A L & P R O F E S S I O N A L C O N D U C T

We place the interests of the entrepreneur at the heart of everything we do

and always act in their best interests. We believe in longevity, relationship

creation and business retention and we wish to be part of your family

business long term.

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C O M P L E T E T R A N S P A R E N C Y

We are available around the clock and will keep you informed of the status

of your loan enquiry throughout the process. We realise that during this

process communication is key, and a clearly defined road map will be

constructed to manage expectations and to ensure that you are fully up to

date with the progress.

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P R O F E S S I O N A L P R E S E N T A T I O N T O

L E N D I N G P A R T N E R S

A Mantra Capital USP is the skill and knowledge to present cases in the

exact format that Banks like to see. Our team of in-house Bankers are

trained and qualified in Commercial Banking and know the intricacies

associated with presenting lending proposals to our funding partners.

We know what the Banks want to see, and we are able to put together a

full sighting paper that can be submitted straight to credit underwriting,

taking weeks off the normal process. We invest the time in pulling

together the information and understanding it, so we can field any Banker

questions on your behalf.

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A C T I V E S U P P O R T

As well as communication and professional presentation, we will also

complete all of the associated paperwork and subsequent application forms

that may be relevant as we go through the finance process. We attend Bank

meetings representing our entrepreneurs and their businesses, we meet

Valuers on site to show them around properties, we liaise with Solicitors to

facilitate a smooth drawdown. It is all part of the Mantra Capital experience.

It is our Mantra.

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O U R P E O P L E

The Mantra Capital Team are regarded as some of the most

experienced and well networked Commercial Lenders in the UK

market. Led by Joint Managing Directors Nimesh Sanghrajka and

Nick Neophytou, the team have developed a reputation of successful

delivery whatever the sector, project size or sophistication.

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Mantra Capital 3rd Floor 58 Borough High Street London SE1 1XF

tel: +44 (0) 20 3867 9643 email: info@mantracapital.com web: www.mantracapital.com