General

Not every real estate transaction fits a standard financing template. Banks lend against clean assets with straightforward LTV profiles. When a deal sits outside that — because of planning risk, a layered capital requirement, an unusual asset class, or a market they don't cover — sponsors typically hit a wall.

That's the starting point for most deals HIC works on.

The sponsors we work with aren't inexperienced. They have viable projects, credible track records, and a clear investment thesis. What they don't have is a direct line to the right funding partners — the debt fund that does stretch senior in Poland, the family office that will take a mezzanine position on a UK PBSA scheme, the institutional lender with appetite for BTR in Western Europe.

The deals span senior debt, stretch senior, mezzanine, and JV equity — across commercial, residential, PBSA, BTR, and mixed-use in Poland, the UK, and Western Europe. What they share is structural complexity: the financing needs to be built, not taken off the shelf.

HIC's role is to close that gap — matching the deal structure to the right source, with a controlled process that protects both sides.

If that's the situation you're in, it's...

Institutional capital hasn't retreated from real estate. If anything, appetite has grown - family offices, debt funds, and alternative lenders are actively looking for deployment opportunities across Europe.

The mix of capital is shifting. Banks are pulling back from structurally complex positions - layered stacks, land-heavy deals, anything outside a clean LTV box. Non-bank lenders are filling that space, but the market is fragmented: dozens of debt funds, family offices, and specialist lenders each operating with narrow mandates and specific deal criteria.

That creates a gap - not between sponsors and funding partners in the abstract, but between sponsors and the right funding partners for their specific deal.

The gap is sharpest in markets outside Frankfurt, Paris, or central London. In Poland - one of the most promising residential development markets in Europe - and across non-gateway UK cities, the right deal frequently doesn't reach the right desk. Western Europe faces its own version of the same problem.

The solution is knowing which lenders do which deals. Senior debt, stretch senior, mezzanine, JV equity - each instrument has a different pool of providers, and that pool shifts constantly. HIC brings direct access to specialist funding partners across Poland, the UK,...