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

Borrow - How it works

Your partner for junior finance.

Our approach focuses on simplifying complexity whilst delivering an exceptional outcome for all parties. 

Our process

Straightforward funding

In the property sector, time is of the essence. Once an enquiry is received, we aim to respond within 48 hours with initial feedback on whether the opportunity meets our funding criteria. Our process takes a matter of weeks from inception to draw down, ensuring you have the funds when required.

2. Due diligence
Once the indicative offer letter is signed and commitment fee transferred, we'll undertake full due diligence. An independent valuation and QS report will be undertaken and solicitors instructed.
3. Drawdown
Once we have completed our due diligence, legal documents will be signed and any conditions satisfied. Funds will then be released in time for when they are required.
4. Oversight
A member of our team will attend monthly site visits and monitor the project on behalf of Shojin and our investors. We'll work with you to identify and mitigate any risks before they materialise.
5. Repayment
Upon completion of the completion of the project, the loan will be repaid through the agreed exit route.

Key features

Review our funding criteria

Please note, we are happy to consider proposals that fall outside the parameters outlined below. 


  • Finance for experienced developers with a proven track record.
  • Funding towards projects located in cities and major towns with strong transport links across the UK.
  • Residential, PRS, PBSA, senior and assisted living. Alternative use classes will be considered on a case by case basis.
  • Full planning permission must be granted or not required.
  • Minimum profit on cost of 20% after senior debt costs.
  • Terms between 3 - 24 months.
  • Loans between £1,500,000 - £6,000,000.
  • Borrower cash or equity contribution required.

Our team of experts

Meet the team

With a strong background rooted in development and a deep understanding of the market, our team can support a wide range of cases and drive value at every stage.


We value our relationships with like minded brokers and borrowers and are available to answer any questions you may have about our products, parameters or process.

Nadav Albin
Head of Lending
Jonathan Self
Director, Origination
Oliver Boag
Associate Director, Origination
Sam Tibbins
Senior Analyst, Origination
Sahib Sharma
Investment Analyst, Origination