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.
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 - Products - Equity

Fund up to 97% of total costs

Shojin can provide a contribution towards the shortfall after senior funding, significantly reducing your equity requirement and allow you to take on more, or larger projects, maximising your returns in the process.

What is Equity?

Minimal contribution, maximum returns

Our equity product sits between your capital and senior debt, drastically increasing the funding available when acquiring an asset, developing a site or stabilising the income of a property.


How does Equity work?

Shared risk, shared return.

We will contribute up to 97% of the total project costs, excluding financing, in return for a fixed return and/or profit share.


Our equity product is often drawn in full on day one, contributing towards site acquisition. They can be structured with ongoing returns or a bullet payment made upon maturity.


We understand that there are numerous ways to structure a transaction and will work with you to deliver an outcome that works for all parties.

cloud-light 2
Apply for funding
Our team of experts will review your proposal and present it to our credit committee. If it meets our funding criteria, we will submit an indicative offer letter. Upon acceptance and payment of the commitment fee, we will undertake due diligence, instruct a valuer and project monitoring surveyor as well as engage with solicitors.
desktop-light 2
Draw down
Upon receipt of all the required reports and completing all internal checks, legal documents will be signed and funds released within 5 business days.
buildings-light 2
Once the scheme concludes, the loan will be repaid through an agreed exit strategy which can include unit sales or refinancing.


If you would like to find out more about our flexible funding solutions, please get in touch with a member of the team.

What is the minimum/maximum ticket size? caret-down-light
We provide between £1,500,000 - £6,000,000 per transaction.
What are your equity product parameters? caret-down-light
We fund up to 97% LTC or 80% LTGDV (whichever comes first) so long as the amount does not exceed 80% of the total shortfall after senior debt.
Do you take any security? caret-down-light
As standard, we require a second legal charge, debenture over the borrowing entity and personal guarantee. Additional security may be required on a case by case basis, as we prefer to mitigate risk as opposed to maximise returns.
What type of opportunities do you fund? caret-down-light
Although we specialise in development finance, we fund an array of opportunities, including acquisition, refurbishment, ground up development, income stabilisation and releasing equity from an existing asset/portfolio. We mainly fund residential-led use classes that are located in major towns and cities across the UK.
What are your typical terms? caret-down-light
Our typical terms last between 6 - 24 months.

Go further with Shojin

More opportunity
No management fees. Smaller sums to take part. Lowered barriers for access.
Shared risk
Shojin puts own funds into projects. We share in the risk and rewards together
We use our thorough due diligence and expertise to ensure the best outcome – and you’re not left out the loop.
You get paid out before we do. You’re more likely to gain higher returns than traditional, inflexible investing routes.