---
title: Fund your next UK property development | Borrow with Shojin
description: Firms are required under the Senior Management Arrangements, Systems and Controls (SYSC) manual of the Financial Conduct Authority Handbook to have in place robust governance arrangements and effective procedures which allow it to identify, manage, monitor and report the risks it is or might be exposed to.
image: https://www.shojin.co.uk/hubfs/Logos/Shojin.co.uk-Featured-Image.jpg
---

 Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 minutes to learn more.

 Risk information

**Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.**

 

**Estimated reading time: 2 min**

 

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

 

**What are the key risks?**

 

1. **You could lose all the money you invest** 
     - By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested.
     - Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money.
     - Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing.
     - These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.
2. **You are unlikely to be protected if something goes wrong** 
     - Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. [Try the FSCS investment protection checker here.](https://www.fscs.org.uk/check/investment-protection-checker)
     - Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. [Learn more about FOS protection here.](https://www.financial-ombudsman.org.uk/consumers)
3. **You are unlikely to get your money back quickly** 
     - This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money.
     - You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy.
4. **This is a complex investment** 
     - This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made.
     - You may wish to get financial advice to understand how the structure works before deciding to invest.
5. **Don’t put all your eggs in one basket** 
     - Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
     - [A good rule of thumb is not to invest more than 10% of your money in high-risk investments.](https://www.fca.org.uk/investsmart/5-questions-ask-you-invest)

[If you are interested in learning more about how to protect yourself, visit the FCA’s website here.](https://www.fca.org.uk/investsmart)

[For further information about minibonds, visit the FCA’s website here](https://www.fca.org.uk/consumers/mini-bonds).

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 Next level opportunities

 Shojin is a fractional property investment platform. We share opportunities for global investors to gain exceptional returns.

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 Fund your next project

 We support borrowers at every step of the journey, from acquisition through to development and exit.

[Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/borrow/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/borrow)

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[![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine Top up funding that allows you to minimise your contribution, enhancing your return on capital whilst maintaining full control.](https://www.shojin.co.uk/borrow/products/mezzanine)

[![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge Short-term senior and junior debt for land acquisition, refinancing, and conversions.](https://www.shojin.co.uk/products/bridge)

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 How to borrow

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 Browse our blog for news, features, market update and special reports to build your real estate investing knowledge.

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 Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities.

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## Borrow

# Fund your next project

We specialise in providing development finance. By combining mezzanine with senior debt, we can fund up to 95% of project costs.

![presentation-chart-light-white](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light-white.svg)

## What we offer

### A partner that gets it.

Starting out as developers ourselves, we understand the opportunities and challenges within real estate, and that no two investments are the same.

 

We support professional developers by providing bespoke funding solutions tailored for each opportunity – from ground up development to finish and exit and asset stabilisation, we act as a financing partner for each stage of the cycle to support your goals.

![Man-on-stairs](https://www.shojin.co.uk/hs-fs/hubfs/LEVEL%202%20images/Man-on-stairs.jpg?width=1000&height=1000&name=Man-on-stairs.jpg)

![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg)

Products

Transparent, tailored solutions

Whether you’re looking to fund your next development or maximise returns, we’ll work with you to deliver a bespoke funding structure that meets your requirements.

<https://www.shojin.co.uk/borrow/products/whole-loan>

## [Whole loans Loans that provide the majority of capital towards your next acquisition or development.](https://www.shojin.co.uk/borrow/products/whole-loan)

<https://www.shojin.co.uk/borrow/products/whole-loan>[Learn more](https://www.shojin.co.uk/borrow/products/senior-debt)

<https://www.shojin.co.uk/borrow/products/mezzanine>

## [Mezzanine Junior finance designed to top up your equity.](https://www.shojin.co.uk/borrow/products/mezzanine)

<https://www.shojin.co.uk/borrow/products/mezzanine>[Learn more](https://www.shojin.co.uk/borrow/products/mezzanine)

<https://www.shojin.co.uk/products/bridge>

## [Bridge Short term senior and junior debt for land acquisition, refinancing, and conversions.](https://www.shojin.co.uk/products/bridge)

<https://www.shojin.co.uk/products/bridge>[Learn more](https://www.shojin.co.uk/borrow/products/equity)

Lending

### We fund across the capital stack

Our expertise in both real estate and finance underpins a risk-mitigated, practical approach to structuring transactions. We can therefore stretch beyond traditional high street lenders and implement a creative solution to balance risk and return for us and our clients.

 High risk / High return

 Medium risk / Medium return

 Low risk / Low return

![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg)

## Equity

![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg)

![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg)

## Mezzanine

![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg)

![git-fork-light-white](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-white.svg)

## Senior

![arrow-down-white](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-down-white.svg)

## Equity

### Up to 97% LTC / Profit Share

Designed to stretch your funding and maximise returns by minimising borrower equity.

- Secured charge
- No ownership of the SPV
- Profit share/Fixed Return
- Suitable for experienced borrowers

 

[Find out more](https://www.shojin.co.uk/borrow/products/equity)

## Mezzanine

### Up to 90% LTC / Fixed Interest

Top up funding that sits between senior debt and borrower equity, increasing available funding of up to 90% of total costs.

- Secured second charge
- Higher fixed interest rate
- Higher borrower returns

 

[Find out more](https://www.shojin.co.uk/borrow/products/mezzanine)

## Senior

### Up to 80% LTC / Fixed Interest

 Term loans that need to be repaid first. As they sit in the most senior position, they carry lower interest rates and are therefore highly desirable.

- Secured 1st charge
- Lower interest rate

[Find out more](https://www.shojin.co.uk/borrow/products/senior-debt)

![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg)

How to borrow

## Simple, straightforward process

![map-pin-light](https://www.shojin.co.uk/hubfs/shojin/icons/map-pin-light.svg)

 1. Project submission

 Review our criteria and submit your project.

![book-open-light](https://www.shojin.co.uk/hubfs/shojin/icons/book-open-light.svg)

 2. Initial review

 We'll review your case, obtain committee approval and submit an indicative funding offer.

![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg)

 3. Due diligence

 We undertake full due diligence and instruct third party professionals.

![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg)

 4. Legals

 Loan and security agreements will be drafted and finalised.

![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg)

 5. Draw down

 Once due diligence has completed and legal documents signed, funds will be released.

 Developer Insights

 Keep up to date with our latest articles for developers

 Read our latest news and analysis

<https://www.shojin.co.uk/insights/beyond-the-headline-rate-understanding-the-true-cost-of-development-finance>

## [Developer Insights Beyond the headline rate: Understanding the full picture of development finance costs As a property developer overseeing £50-100M GDV projects, you're well-versed in evaluating financing options. But have you ever looked beyond the headline interest rates from lenders to understand what your development financing truly costs?](https://www.shojin.co.uk/insights/beyond-the-headline-rate-understanding-the-true-cost-of-development-finance)

<https://www.shojin.co.uk/insights/beyond-the-headline-rate-understanding-the-true-cost-of-development-finance>

<https://www.shojin.co.uk/insights/whole-loan-simplifying-development-financing>

[Developer Insights One loan to rule them all: Simplifying development financing As margins tighten and timelines compress, savvy developers are discovering the operational efficiency of whole loan financing.](https://www.shojin.co.uk/insights/whole-loan-simplifying-development-financing)

<https://www.shojin.co.uk/insights/whole-loan-simplifying-development-financing>

<https://www.shojin.co.uk/insights/uk-housing-market-outlook-august-2025-data-shows-high-transaction-volumes-at-lower-prices-clone>

## [Market Updates UK housing market data: August 2025 summary For developers, August 2025 delivered a decisive verdict: market efficiency is accelerating, rewarding realistic pricing while penalising wishful thinking.](https://www.shojin.co.uk/insights/uk-housing-market-outlook-august-2025-data-shows-high-transaction-volumes-at-lower-prices-clone)

<https://www.shojin.co.uk/insights/uk-housing-market-outlook-august-2025-data-shows-high-transaction-volumes-at-lower-prices-clone>

Enquire

Submit your application or request a call back

Our team will get back to you as soon as we can. 

![Jatin-Ondhia---Shojin---circle](https://www.shojin.co.uk/hs-fs/hubfs/Headshots/CIRCULAR/Circle%20in%20a%20square/Jatin-Ondhia---Shojin---circle.png?width=450&height=457&name=Jatin-Ondhia---Shojin---circle.png)

"SMEs play a critical role in helping alleviate the significant demand-supply imbalance that has led to a housing crisis within the UK. Shojin partner with developers by providing the most vital piece of the funding stack so that they can increase supply of housing whilst delivering exceptional outcomes for all stakeholders involved.

 

We are actively lending and have continued to support our partners despite recent macro-economic uncertainty caused by Brexit, Covid and higher interest rates, as the housing shortage shows no signs of slowing and businesses must continue operating.”

Jatin Ondhia

CEO, Shojin

## Go further with Shojin

![key-light](https://www.shojin.co.uk/hubfs/shojin/icons/key-light.svg)

 Flexibility

 With a deep understanding of real estate and finance, we can support a wide range of requirements, regardless of the complexity.

![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg)

 Experience

 With a strong background in development, our team have the track record, expertise and external relationships to proactively support every transaction.

![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg)

 Transparency

 We value transparency at every stage, from how our loans are structured to the costs involved, providing certainty throughout a project and when taking on new opportunities.

![line-segments-light](https://www.shojin.co.uk/hubfs/shojin/icons/line-segments-light.svg)

 Partnership

 Complexities inevitably arise throughout the process. We’ll work with you to formulate a solution that works for all parties, focusing on building long-term relationships in the process.

## Follow us

[![linkedin](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin.svg) ![linkedin-h](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin-h.svg)](https://www.linkedin.com/company/shojin-property-partners) [![facebook](https://www.shojin.co.uk/hubfs/shojin/icons/facebook.svg) ![facebook-h](https://www.shojin.co.uk/hubfs/shojin/icons/facebook-h.svg)](https://www.facebook.com/ShojinUK) [![instagram](https://www.shojin.co.uk/hubfs/shojin/icons/instagram.svg) ![instagram-h](https://www.shojin.co.uk/hubfs/shojin/icons/instagram-h.svg)](https://www.instagram.com/shojinpropertyUK) [![twitter](https://www.shojin.co.uk/hubfs/shojin/icons/twitter.svg) ![twitter-h](https://www.shojin.co.uk/hubfs/shojin/icons/twitter-h.svg)](https://twitter.com/ShojinProperty)

 Invest

- [Overview](https://www.shojin.co.uk/invest)
- [Why us](https://www.shojin.co.uk/invest/why-us)
- [For Individuals](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals)
- [For Family Office](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices)
- [For Wealth Managers](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers)
- [Products](https://www.shojin.co.uk/invest/products)
- [IFISA](https://www.shojin.co.uk/invest/products/ifisa)
- [Pensions](https://www.shojin.co.uk/invest/products/pensions)

 Borrow

- [Overview](https://www.shojin.co.uk/borrow)
- [Why us](https://www.shojin.co.uk/borrow/why-us)
- [Senior](https://www.shojin.co.uk/borrow/products/senior-debt)
- [Mezzanine](https://www.shojin.co.uk/borrow/products/mezzanine)
- [Equity](https://www.shojin.co.uk/borrow/products/equity)
- [How it works](https://www.shojin.co.uk/borrow/how-it-works)
- [Apply](https://www.shojin.co.uk/borrow/how-it-works#ENQUIRE)

 Learn

- [All insights](https://www.shojin.co.uk/insights)
- [Masterclass](https://www.shojin.co.uk/insights/tag/masterclass)
- [Special reports](https://www.shojin.co.uk/insights/tag/special-reports)
- [Market updates](https://www.shojin.co.uk/insights/tag/market-updates)
- [Blog](https://www.shojin.co.uk/insights/tag/blog)
- [FAQs](https://www.shojin.co.uk/faqs)
- [Glossary](https://www.shojin.co.uk/glossary)

 Legals

- [Terms & conditions](https://www.shojin.co.uk/website-terms-conditions)
- [Privacy Policy](https://www.shojin.co.uk/privacy-policy)
- [Key Risks](https://www.shojin.co.uk/key-risks)
- [Risk Management disc](https://www.shojin.co.uk/pillar-3)
- [IFISA T&Cs](https://www.shojin.co.uk/ifisa-terms-conditions)

 Other

- [About us](https://www.shojin.co.uk/company/about-us)
- [Our team](https://www.shojin.co.uk/company/about-us#TEAM)
- [Careers](https://www.shojin.co.uk/company/careers)
- [Contact us](https://www.shojin.co.uk/company/contact-us)

 Awards

![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png)

 MEZZANINE LENDER OF THE YEAR

 WINNER

 Alternative Credit Awards 2024

![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png)

 MOST INNOVATIVE PROPERTY INVESTMENT PLATFORM

 WINNER

 SME Finance Awards 2023

![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png)

 BRIDGING LENDER OF THE YEAR

 WINNER

 P2P Finance Awards 2023

![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png)

 INNOVATIVE LENDER OF THE YEAR

 HIGHLY COMMENDED

 P2P Finance Awards 2022

![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png)

 FINANCIER OF THE YEAR, RESIDENTIAL

 FINALIST

 RESI Awards 2021

 Member

![AREIP-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/AREIP-logo.png?width=156&height=80&name=AREIP-logo.png) ![UKFCA WHITE](https://www.shojin.co.uk/hs-fs/hubfs/UKFCA%20WHITE.png?width=95&height=114&name=UKFCA%20WHITE.png) ![logo\_CREFCE\_logo\_white\_clear\_background](https://www.shojin.co.uk/hs-fs/hubfs/logo_CREFCE_logo_white_clear_background.png?width=150&height=54&name=logo_CREFCE_logo_white_clear_background.png)

 Important note

Please note that property investments involve risks including loss of capital, illiquidity, default of a borrower and lack of returns. The risks involved will vary by project types, so please make sure you have read and understood the specific risks associated with the investment. Investments made on this website should only be made as part of a diversified investment portfolio. For more details, see the Key Risks. Projections or estimated returns are not a reliable indicator of actual future performance and eventual returns or dividends may be lower than predicted. Information presented on this website is for guidance purposes only and does not constitute financial advice. If you are unsure of the suitability of an investment, please contact your financial adviser for professional advice.

Shojin is a trading name of Shojin Financial Services Limited. This website is a financial promotion approved by Shojin Financial Services Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 716765) (see [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) for more information). Companies that issue investments on this platform, including bonds issued by Shojin entities, are not themselves regulated by the Financial Conduct Authority and investments made on this site are not covered by the Financial Services Compensation Scheme. The investment opportunities listed on this website are not offers to the public and can only be entered into by certain types of investors who have satisfied certain investment criteria.

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