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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 - Products - Senior

Fund your next development.

Shojin provide short term bridge loans and work with preferred senior lenders to fund strategic acquisitions and developments.

What is a Senior loan?

First charge lending.

Senior loans typically provide the bulk of finance required to acquire an asset or undertake a development. Secured by a first legal charge, this type of debt sits ahead of all other parties in the capital stack.


This type of lending relies on Loan to Gross Development ("LTGDV") and Loan to Cost ("LTC") caps, and attracts a fixed return. Facilities tend to cover up to 80% of the total costs.


How does a Senior loan work?

Priority position.

In combination with our junior products, Shojin currently provide senior debt in the form of bridge loans to support acquisitions or short term financing.


When funding development schemes and larger strategic acquisitions, we work with preferred parties and can provide a full stack solution together.

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Apply for funding
Our team of experts will review your proposal and determine whether it fits Shojin or our preferred lenders criteria. Once approved, 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.
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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.
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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. When working with our preferred senior lenders, we can provide up to £50,000,000 per transaction.
What are your senior debt product parameters? caret-down-light
Shojin currently bridge loans to assist with acquiring assets, and our loans go up to 70% LTV. When working with our preferred senior lenders, they can provide funding up to 65% LTGDV and 80% LTC, which excludes any junior finance provided by Shojin.
Do you take any security? caret-down-light
As standard, all senior loans require a first legal charge, personal guarantee and a debenture over the borrowing SPV. Additional security may be required on a case by case basis.
What type of opportunities do you fund? caret-down-light
We currently provide bridge loans towards acquisitions. However, we work with preferred senior lenders who can provide development funding, finish and exit loans and asset finance.
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.