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# Holocene Impact Capital

Structured capital for real estate sponsors

## Sitemaps

- [XML Sitemap](https://holoceneic.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Going to market before you're ready costs more than waiting](https://holoceneic.com/going-to-market-before-youre-ready-costs-more-than-waiting/) - There is a strong pull, once a sponsor has a live project, to get it in front of capital fast. Momentum feels like progress. In practice, going to market half-ready is one of the more expensive mistakes a sponsor can make, and the cost rarely shows up as a number on a term sheet. Capital
- [Modular Construction in the UK: Built Faster, and Yes, It Can Be Financed](https://holoceneic.com/modular-construction-in-the-uk-built-faster-and-yes-it-can-be-financed/) - Modular construction has moved from the fringe to a credible delivery route for UK development. Volumetric and panelised systems now produce buildings that match – and often exceed – traditional standards on quality, while compressing programmes by 30 to 50 percent. Units are manufactured offsite in controlled factory conditions, then assembled on site in weeks
- [The Deals HIC Works On](https://holoceneic.com/the-deals-hic-works-on/) - 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
- [The Capital Gap in European Real Estate](https://holoceneic.com/the-capital-gap-in-european-real-estate/) - 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
- [Holocene Impact Capital — Real Estate Capital Structuring](https://holoceneic.com/holocene-impact-capital-real-estate-capital-structuring/) - HIC works with real estate sponsors across Poland, the UK, and Western Europe on transactions where the financing structure is genuinely complex. That means full capital stacks, stretch senior debt, mezzanine, and JV equity — deals that don’t fit a standard lending box and require a structured approach to reach the right institutional partners. The
- [HIC's 5 Trends for 2025](https://holoceneic.com/hics-5-trends-for-2025/) - Introduction As we move on from what was a turbulent 2024, the project finance landscape looks set to be defined by a combination of 5 equally important forces. From the growing influence of international investment in Central and Eastern Europe (CEE) to the rapid expansion of climate technologies and AI-driven infrastructure, the year ahead promises
- [Financing market for infrastructure and real estate](https://holoceneic.com/financing-market-for-infrastructure-and-real-estate/) - Introduction In this month’s briefing, we will explore global project finance trends and explain Holocene’s core specialisation. We cover types of projects that are considered the most attractive by our financing partners, specifically breaking down the universe of projects into categories based on asset class as well as overall project characteristics. The goal of the
- [Hospitality sector in the CEE](https://holoceneic.com/hospitality-sector-in-the-cee/) - Introduction As we covered in previous Insights Briefings, the Central and Eastern Europe (CEE) region offers much opportunity for the right capital partners. This piece in our series covers the current state and future prospects of the hospitality sector in the region, along with macroeconomic factors, strategic expansions in the market, and Environmental, Social, and
- [Three reasons to be bullish about Polish real estate market in 2024](https://holoceneic.com/why-are-we-bullish-on-the-polish-real-estate-market/) - Introduction On October 15 2023, Poland went to the polls. The result: the incumbent Law and Justice (PIS) party would be ousted by a new coalition headed by Donald Tusk, a former President of the European Council. This electoral victory, despite a rocky handover, has led to renewed excitement about Poland and its economic prospects.
- [Insights from Expo Real 2023](https://holoceneic.com/insights-from-expo-real-2023/) - Insights from Expo Real 2023 Right after Oktoberfest, on October 4th – 6th 2023, real estate professionals from across the globe met in Munich, Germany for another edition of Expo Real – Europe’s most important real estate fair. This year the event attracted over 40,000 participants and over 1,800 exhibitors. Expo Real 2023 has provided
- [Core-plus strategies in real estate](https://holoceneic.com/core-plus-strategies-in-real-estate/) - Core-plus strategies in real estate Following up on our August’s article about value-add strategies in real estate we wanted to explore another strategy within the world of real estate – core-plus strategy. A core-plus strategy offers investors a balanced risk / reward approach, with both steady income and potential for value appreciation. In this article
- [Guide to a successful application for real estate financing](https://holoceneic.com/guide-to-a-successful-application-for-real-estate-financing/) - At HIC we assist our clients with successfully obtaining financing solutions, especially ones designed to support commercial real estate transactions. In this process, finding the right funding partner is just the first step. The second step, which takes significantly longer, is the due diligence process that the funding partner will undertake in order to take
- [Value-add strategies in real estate](https://holoceneic.com/value-add-strategies-in-real-estate/) - What is a value-add strategy in the context of real estate? Value-add strategy in real estate involves purchasing an existing asset that is not operating to its full potential and subsequently increasing the long term value of the asset. There might be various reasons for an asset not performing to its full potential – the
- [Private debt financing](https://holoceneic.com/private-debt-financing/) - Private debt financing Private debt is a relatively new concept that gained traction after the 2008 financial crisis when banks and traditional lenders were forced to restrict their lending offering. That gap was filled by alternative lenders such as private individuals, family offices and private debt funds. According to Goldman Sachs, as of October 2022,
- [Introducing Holocene Impact Capital (HIC)](https://holoceneic.com/briefing-1-introducing-holocene-impact-capital-hic/) - Who we are Holocene Impact Capital is a sustainability advisory firm specializing in advisory services, thematic research, and international real estate solutions. HOLOCENE. The current geographic era that began over 10,000 years ago after the end of the last ice age. Due to its warm, stable, and predictable climate, it has been associated with the rise of
- [Bridging loan in real estate](https://holoceneic.com/bridging-loan-in-real-estate/) - This month we focused on a specialist type of financing commonly used in real estate – a bridging loan. Bridging loans are a form of short-term funding, typically secured against a physical asset (such as real estate). Bridging loans have been around for quite a while, however there are still some misconceptions around them. In
- [Mezzanine finance in real estate](https://holoceneic.com/mezzanine-finance-in-real-estate/) - Mezzanine Finance in Real Estate Welcome to the last edition of 2022’s Real Estate Newsletter. To conclude the year we wanted to give you a short summary of a type of financing commonly used in Real Estate – mezzanine loan. We will start by defining mezzanine loan and then we will shift the focus to
- [Cross border transactions](https://holoceneic.com/cross-border-transactions/) - We launched Holocene to create a platform where cross border project and real estate financing is easily accessible. The idea was that the funding’s country of origin does not have to be the same as the location of the project. We saw a clear gap in the market and decided to pursue it. One year
- [How can HIC support your Real Estate transactions?](https://holoceneic.com/how-can-hic-support-your-real-estate-transactions/) - How can HIC support your Real Estate transactions? In this edition of our Newsletter, we wanted to highlight how HIC can support real estate transactions. We will cover: What types of transactions and geographies do we cover? How do we work with clients looking for capital for their projects? How do we work with clients
- [Real Estate in Q3 2022](https://holoceneic.com/real-estate-in-q3-2022/) - Real Estate Q2 2022 In this edition of HIC’s Real Estate Newsletter we are looking back at the third quarter of 2022 – specifically analyzing the most recent trends within the real estate industry and highlighting some of the real estate transactions that kept us busy. We are now entering the last quarter of 2022
- [Real Estate Financing](https://holoceneic.com/real-estate-financing/) - Guide to Real Estate Financing Part of our offering at Holocene Impact Capital revolves around real estate financing. In essence, real estate financing is a transaction during which an investor raises capital from an outside source – this capital is then used to purchase the target property. In this Newsletter we will cover the main
- [Real Estate in Q2 2022](https://holoceneic.com/real-estate-in-q2-2022/) - Real Estate Q2 2022 Summer is officially here marking the end to the second quarter of 2022. In this edition of HIC’s Real Estate Newsletter we wanted to reflect on some of the trends that we have seen in Q2 2022 as well as highlight some of the real estate transactions that we have been
- [Buying a Holiday Home](https://holoceneic.com/buying-a-holiday-home/) - Buying a holiday home Summer of 2022 is here, and with that holiday homes will once again take the centre stage of the real estate market. For many, purchasing a holiday home is a dream goal and we wanted to help by creating a list of things worth thinking about when considering this purchase. For the
- [Off-market real estate with Primextate](https://holoceneic.com/real-estate-newsletter-3-off-market-real-estate-with-primextate/) - Off-market Real Estate – Interview with Primextate One of the top trends that we have been seeing at HIC concerns off-market transactions. These include properties that are for sale without being available to the general public. We wanted to introduce this concept to our readers and to help us do so we invited our trusted
- [Swiss Real Estate Market](https://holoceneic.com/swiss-real-estate-market/) - Introduction At the heart of central Europe, Switzerland has always been an popular destination for foreign nationals who make up 25% of the population. For the expat community, Switzerland is attractive for numerous reasons ranging from a world-class education system, universal healthcare, the ease of starting a business as well as the abundance of outdoor
- [Real Estate Outlook 2022](https://holoceneic.com/real-estate-newsletter-1-january-2022/) - Real Estate Outlook 2022 At Holocene Impact Capital (HIC), we have spent the last few months engaging with our clients, talking to our partners and reaching out to our wider professional network to understand what they expect from the real estate market in 2022 and to identify the key implications. To summarize, the outlook is

## Pages

- [Holocene Impact Capital](https://holoceneic.com/) - Boutique capital structuring firm connecting real estate sponsors with institutional debt and equity. Senior, stretch senior, mezzanine, JV equity. UK, Poland and selected European markets.
- [Contact](https://holoceneic.com/contact/) - Get in touch with Holocene Impact Capital. Send a brief overview of your transaction and we will come back to you directly.
- [For Lenders & Brokers](https://holoceneic.com/for-lenders-brokers/) - A route for lenders and brokers with deals outside their box - keep the senior at your terms while HIC arranges the layer above, or stay in the economics on a pass-through. UK, Poland and selected European markets.
- [How It Works](https://holoceneic.com/how-it-works/) - Structured capital placement in up to three stages: Readiness Diagnostic, Capital Viability Assessment, Execution. UK, Poland and selected European markets.
- [What we finance](https://holoceneic.com/what-we-finance/) - Senior debt, mezzanine, stretch senior and JV equity for living sector and commercial real estate. Development, refinancing and recapitalisation. UK, Poland, Western Europe.
- [Privacy Policy](https://holoceneic.com/privacy-policy/) - Privacy Policy Who is Holocene Impact Capital? “Holocene Impact Capital” or “HIC” means: Tomasz Wozniak, conducting business as TW Consulting Tomasz Wozniak, registered in Poland, NIP: 7542983333, with its business address at ul. Rzymowskiego 53, 02-697 Warsaw, Poland. Holocene Impact Capital is a trading name of that business. HIC can be reached at info@holoceneic.com. HIC
- [About](https://holoceneic.com/about/) - Tomasz Wozniak is Principal of Holocene Impact Capital, a boutique real estate capital structuring firm operating across the UK, Poland, and Western Europe.
- [Insights](https://holoceneic.com/insights/) - Views on real estate capital markets, deal structuring, and institutional finance across the UK, Poland, and Western Europe. By Tomasz Wozniak, Principal, Holocene Impact Capital.
- [Holocene Impact Capital](https://holoceneic.com/holocene-impact-capital/) - Our mission is to support positive outcomes in the world by working with globally based individuals and companies on their journeys towards a sustainable future
- [Tomasz Wozniak](https://holoceneic.com/about/tomasz-wozniak/) - Tomasz Wozniak Chief Executive OfficerCo-Founder Geneva, Switzerland tomasz@holoceneic.com Linkedin Tomasz is responsible for the day to day operations of the business and leads the execution of the projects. His speciality is working with international clients and partners to build best-in-class finance solutions. Tomasz brings with him a wealth of experience in arranging finance for international
- [Adam MacRae](https://holoceneic.com/about/adam-macrae/) - Adam MacRae Chief Sustainability OfficerCo-Founder London, United Kingdom adam@holoceneic.com Linkedin Adam is responsible for the delivery of the project due diligence and measuring the sustainable impact of the project opportunities. His expertise within the field of sustainability includes having led Ofcom’s climate change initiative and serving at the United Nations in New York. Previously, he
- [Blog](https://holoceneic.com/blog-list/)

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## Categories

- [Uncategorized](https://holoceneic.com/category/uncategorized/)
- [Real Estate](https://holoceneic.com/category/real-estate/)
- [General](https://holoceneic.com/category/general/)