About us

Property Box Finance is part of a wider family office group with long-standing experience across property finance, development and investment. That wider group includes Merchant Place Corporate Finance, Merchant Place Developments and Cliffe Property Investments, bringing together decades of experience in structuring deals, delivering developments and managing investment assets across the UK.

This group background gives us a fuller understanding of the property cycle and the risks that sit behind every development. It means we are not only looking at a deal from a lending point of view, but also through the lens of delivery, asset management and exit. That practical experience shapes how we assess opportunities and support developers through each stage of a project.

Our team brings together more than 100 years of combined experience across real estate finance and development. We know that successful lending is about more than numbers on a spreadsheet. It is about understanding the site, the sponsor, the build and the route out. That wider view helps us make better decisions, structure sensible deals and support projects from day one through to completion.

Our core product

Mezzanine Finance

Second charge loan to development projects

Facility Size

£200,000 - £2,000,000+

Leverage

Up to 75% Loan to Value /

90% Loan to Cost

Term

12 - 36 months

How mezzanine finance supports development funding

Mezzanine finance sits between bank funding and developer equity from day one, helping bridge the gap when senior debt stops short.

  • Greater flexibility across multiple projects

  • Improved return on invested equity

  • Lower upfront equity requirement

  • Lower blended cost of finance compared to typical stretched senior lending