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.
    • 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.

  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

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about minibonds, visit the FCA’s website here.

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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.
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We're an experienced team of real estate and investment professionals
 
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Invest - Products - Stabilisation and Finish & Exit

Stabilise and exit assets. 

Investment finance for completed or near-complete schemes that need time to optimise value before permanent refinancing or sale.

Download our Product Guide

What is our Stabilisation and Finish & Exit loan product?

Runway to optimise value.

Shojin provides finance for completed and near-complete schemes that need time to optimise value before permanent financing or sale.

 

The gap between practical completion and full stabilisation is when developers face the highest capital pressure—to secure income, let units or convert presales. Our stabilisation facilities bridge this value realisation phase, allowing you to exit development finance and stabilise assets without being forced into a distressed exit.

 

With facilities from £5-75m and terms up to 48 months, we provide the runway to maximise asset value rather than accepting whatever the market offers on completion day.

 

The facility is priced as a fixed return with a 2% arrangement fee. No hidden costs, no separate junior debt negotiations—just straightforward financing that gets you to completion quickly. 

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Our stabilisation loan funding criteria

Minimum Facility £5,000,000
Maximum Facility £75,000,000
Minimum Period 12-months
Maximum Period 48-months
Maximum LTGDV 75% incl. interest
Use class Residential-led, PRS, PBSA, senior living
Location Urban and suburban areas with strong communications
Planning Granted, permitted development approval required
Standard security Including but not limited to: First charge, PG, debenture over SPV, share charge

Subject to risk and track record

 

How does our Stabilisation and Finish & Exit loan work?

Layered debt through a single facility.

We structure senior and junior debt as a combined facility, giving you access to up to 75% LDGTV without the complexity of coordinating multiple lenders or negotiating subordination agreements. 

 

The senior tranche takes first charge, the junior tranche sits behind in second position—but you deal with one lender, one set of documents, one fixed price. This eliminates the timing risk and uncertainty of assembling a capital stack from separate providers. 

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Apply for funding
Submit your opportunity with clear details on the asset, planning status, and exit strategy. We move quickly on applications where the opportunity is time-sensitive and the exit route is credible—whether that's onward sale, refinance to development finance, or conversion to long-term hold.
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Draw down
Once approved, you daw down the full facility at completion. No phased releases, no monitoring of construction progress—just immediate access to capital so you can secure the opportunity and move to execution.
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Repayment
The facility is repaid in full at term end (up to 48 months) via your planned exit route. We price for speed and leverage, not duration. Your job is to execute the plan. Ours is to deploy capital at a known cost so you can move on the opportunity while it's still available.

FAQs

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

Contact us
What is the minimum/maximum ticket size? caret-down-light
We provide between £5,000,000 - £75,000,000 per transaction.
What are your stabilisation or finish and exit loan product parameters? caret-down-light
We fund up to a maximum LTGDV of 75%.
Do you take any security? caret-down-light
As standard, we require a first legal charge, debenture over the borrowing entity, a share charge and a personal guarantee. We will take additional security on a case by case basis and would prefer to mitigate risk as opposed to maximise returns.
What type of opportunities do you fund? caret-down-light
We offer flexible bridging finance to support strategic acquisitions, refinancing, and conversions. We mainly fund residential-led use classes that are located in major towns and cities across the UK but will happily consider commercial property types.
What are your typical terms? caret-down-light
Our typical loan terms for bridge products are between 6 to 12 months.

Go further with Shojin

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