Finance Type

Asset

Location

Borrower

Loan

Valuation

Sponsor

Financials

Title

Stage 1 of 9 Finance Type

Stage 1 — Finance Type

What are you
financing?

Your selection determines the lender universe, underwriting framework, and risk weighting applied to your deal.

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Acquisition

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Refinance

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Development

✓

Construction

✓

Refurbishment

✓

Bridge Finance

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Mezzanine Finance

✓

Portfolio Finance

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Working Capital Secured on Property

✓

Land Purchase

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Stabilised Asset Acquisition

Please select a finance type to continue.

Acquisition — deal-specific questions

Are you the current owner or a prospective buyer?

Current owner

Prospective buyer

Physical property details (size, net rentable area, condition, occupancy) are captured on the next stage once you select the asset class.

Bridge Finance — deal-specific questions

What is the bridge financing?

Expected bridge term (months)

Exit dependent on sale? Agent appointed?

Yes

Exit strategy & timeline

If exit is refinance — which lender / terms?

Existing second charge or facility on asset?

Yes

Mezzanine Finance — deal-specific questions

Senior debt amount (in place or proposed)

Senior lender name

Total capital stack — % senior debt

Total capital stack — % equity

Interest preference

PIK (Payment in Kind)

Cash pay

Security being offered

Exit strategy for the mezzanine tranche

Land Purchase — deal-specific questions

Planning permission in place?

Yes

Planning class (if in place) / strategy & timeline (if not)

Intended development after purchase

Existing structure requiring demolition?

Yes

Environmental / ecological constraints?

Yes

Site / topographical survey completed?

Yes

Purchase price basis

Expected GDV post-development

Development / Construction — deal-specific questions

Total development cost — land

Total development cost — construction

Professional fees + contingency

Build cost per sqm

Number of units & intended use

Contractor type

Quantity surveyor / project monitor appointed?

Yes

Utilities / infrastructure obligations attached to site?

Refinance — deal-specific questions

Reason for refinancing

Existing lender name

Current outstanding balance

Current interest rate (%)

Remaining term on existing facility (months)

Redemption penalty / early repayment charge?

Yes

Equity to release, if any

Recent independent valuation available?

Yes

Portfolio Finance — deal-specific questions

Number of properties in portfolio

Total portfolio value

Portfolio composition (asset types, locations, tenancies)

Cross-collateralised, or financed separately?

Properties already encumbered (extent)

Working Capital Secured on Property — deal-specific questions

Purpose of the working capital

Audited financial data available?

Yes

Existing charge on the property offered?

Yes

How will the facility be repaid?

Stage 2 — Asset Classification

What asset
class?

Asset class drives lender appetite, underwriting metrics, and risk weighting. Select what best describes the primary use.

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Office

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Retail

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Industrial

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Warehouse

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Multifamily

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Student Housing

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Hotel

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Hospital

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Data Centre

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Fuel Station

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Mixed Use

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Land

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Agricultural

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Logistics

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Self Storage

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Other

Please select an asset type to continue.

Asset details — for this asset class

Total gross floor area / net lettable area (sqm)

Number of units / floors / lettable spaces

Year built

Last refurbishment date

Current condition

Applicant is the registered owner of the asset?

Yes

Current occupancy / vacancy rate (%)

Weighted average lease expiry — WALE (years)

Land — asset-specific questions

Land size (sqm or hectares)

Zoning / permitted use

Title status

Environmental / ecological constraints on the site?

Yes

Applicant is the registered owner of the land?

Yes

Other asset — please describe

Describe the asset and its use

Plot size / area

Year built (if applicable)

Applicant is the registered owner of the asset?

Yes

Hotel — asset-specific questions

Number of keys (rooms)

Classification

Trading model

Average Daily Rate (ADR)

RevPAR

Annual occupancy rate (%)

Franchise affiliation (if any)

Trailing 12-month EBITDA

3-year average EBITDA

Independent hotel / trading-business valuation available?

Yes

Property details for this asset

Total built-up area / GFA (sqm)

Plot size / land area (sqm)

Year built

Last refurbishment

Current condition

Applicant is the registered owner of the asset?

Yes

Hospital / Healthcare — asset-specific questions

Type of facility

Number of consultation rooms

Regulatory approvals / licences in place

Owner-operated or leased to a healthcare operator?

Owner-operated

Leased to operator

Annual revenue

Annual EBITDA

Occupancy rate (bed occupancy if inpatient)

Government / HMO contracts underpinning income?

Yes

Property details for this asset

Total built-up area / GFA (sqm)

Plot size / land area (sqm)

Year built

Last refurbishment

Current condition

Applicant is the registered owner of the asset?

Yes

Fuel Station — asset-specific questions

Operated, vacant, or under development?

Number of pumps

Storage tank capacity (litres)

Annual throughput (litres)

Operator model

Oil company brand affiliation, if any

Above-ground or underground tanks? Age/condition

Phase II environmental assessment / soil contamination report available?

Yes

Ancillary income (convenience store, car wash, tyre shop)?

Property details for this asset

Total site / plot area (sqm)

Year built / last upgraded

Applicant is the registered owner of the asset?

Yes

Agricultural — asset-specific questions

Type of agricultural use

Land size (hectares)

Irrigation infrastructure in place?

Yes

Offtake agreement secured?

Yes

Annual revenue & seasonality profile

Land title status

Applicant is the registered owner of the land?

Yes

Mixed Use — asset-specific questions

Breakdown of the mix (% residential / commercial / retail)

Residential income (annual)

Commercial / retail income (annual)

Number of units per use type

Vacancy rate per segment

Are units under separate titles, or one title?

Separate titles

One title

Property details for this asset

Total gross floor area / GFA (sqm)

Year built

Current condition

Applicant is the registered owner of the asset?

Yes

Stage 3 — Geography

Where is
the asset?

Location determines jurisdiction, liquidity profile, and lender geographic appetite.

Country *

State *

LGA / District *

Area / Neighbourhood / Town *

✓ Location confirmed.

State / Region

City / Area

Full Address *

Please enter a full address (street, town/city, state)

Please complete all required location fields before continuing.

Stage 4 — Borrower Entity

Who is
borrowing?

Entity type affects sponsor risk classification and lender appetite. Select the structure through which the loan will be taken.

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Individual

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Corporate

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SPV

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Developer

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Family Office

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Institution

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Fund

Full name *

Name is required

Email address *

Enter a valid email address

Phone / WhatsApp *

Enter a valid phone number (+234 followed by 10 digits, or international format)

Company / Entity name *

Company name is required

Email address *

Enter a valid email address

Phone / WhatsApp *

Enter a valid phone number (+234 followed by 10 digits, or international format)

Know Your Customer — Individual

Nationality & country of residence

ID type & number

Residential address *

Occupation / source of income

Do you hold a government office, or are you closely connected to a government official or politician (e.g. a close family member or associate)?

Yes

Source of funds for this transaction

Source of wealth

Ever been declared bankrupt or insolvent?

Yes

Know Your Customer — Corporate / SPV / Developer

CAC / equivalent registration number

Country of incorporation

Date of incorporation

Pick a date, or type it as YYYY-MM-DD.

Registered office address

Nature of business (sector / activity)

Purpose of the SPV & how long has it existed?

Track record — years active, projects completed, total GDV, live pipeline

List of directors (name & nationality)

Ultimate Beneficial Owners (5%–10% shareholding)

PEP status of directors / UBOs?

Yes

Source of funds (company level)

Source of wealth (company level)

Authorised representative — name & contact

Representative's ID type & number

Know Your Customer — Family Office

Family office entity & country of registration

Principal family

Total assets under management (approx.)

Investment mandate

Who has signing authority for this transaction?

Know Your Customer — Institution / Fund

Institution / fund name & regulator

Fund strategy & target asset class

Fund size (total committed capital)

Fund manager & investment committee

Will the loan be borrowed directly at fund level, or through a separate SPV?

This determines recourse: fund-level borrowing exposes the whole fund's balance sheet, while SPV-level borrowing limits the lender's recourse to that SPV's assets only. Lenders price and structure these very differently.

Required internal approval process

Please complete all required fields before continuing.

Stage 5 — Loan Parameters

Structure
the loan.

Loan amount, term, and structure are core inputs to your lender match and risk grade.

Currency

Loan Amount

Term (years)

Repayment structure

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Principal & Interest

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Interest Only

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Balloon

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Bullet

Primary exit plan *

Please select your primary exit plan

Exit via sale — additional question

Has a sale agent/Buyer been appointed/identified?

Yes

Exit via refinance — additional questions

Which lender?

Terms status

Exit via rental income — additional questions

Lease profile

Exit via equity injection — additional questions

Source of the equity injection

Please select your primary exit plan before continuing.

Stage 6 — Valuation & Pricing

Asset value
& equity.

These inputs determine your LTV, LTC, and equity metrics — key lender covenants.

Market Value / GDV

Purchase Price / Build Cost

Equity Contribution

End Value (development)

Independent valuation commissioned?

Yes

Not yet

LTV

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LTC

—

Equity

—

Debt

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Stage 7 — Sponsor Profile

Tell us about
the sponsor.

Sponsor strength is a primary lender consideration. Your profile directly affects the grade and the lender tier you are matched with.

Years of relevant experience

Number of comparable deals completed

Any prior defaults, CCJs, or insolvency events?

Yes — to be disclosed

Development / Construction — additional questions

Planning permission in place?

Yes — full consent

Not yet

Verified main contractor appointed?

Yes — appointed and verified

Not yet

Refurbishment — additional questions

Scope of works

Stage 8 — Financial Profile

The numbers
behind the deal.

Income and debt service figures are used to calculate your DSCR — one of the core lender covenants.

Net Operating Income / EBITDA

DSCR

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LTV

—

LTC

—

Equity

—

DSCR guidance: Most commercial lenders require a minimum of 1.25x. Senior debt lenders typically require 1.5x+. A DSCR below 1.0x means income does not cover debt service — this will limit lender appetite significantly.

Income-producing asset — additional

Current annual rent received

Lease expiry (WAULT years)

Deal description *

A brief deal description is required

Please complete all required fields before continuing.

Risk Engine — Deal Assessment

Your deal.

Nine dimensions scored. Lender match generated. This is how your deal looks to a credit committee today.

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Risk Grade

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Avinell — next steps for your deal

Final review

Review & submit.

Please check the details below. Once submitted, Avinell will review your application and respond within 24 hours with a lender match indication.

Risk Grade

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Submitting Application

Please wait a moment…

What are youfinancing?

What assetclass?

Where isthe asset?

Who isborrowing?

Structurethe loan.

Asset value& equity.

Tell us aboutthe sponsor.

The numbersbehind the deal.

Title, legal position& supporting documents.

Your deal.

Review & submit.

What are you
financing?

What asset
class?

Where is
the asset?

Who is
borrowing?

Structure
the loan.

Asset value
& equity.

Tell us about
the sponsor.

The numbers
behind the deal.

Title, legal position
& supporting documents.