We are an offshore bridging specialist. We also have a deep understanding of offshore markets and structures. Tenn Capital is set up to lend in cross-border deals where borrowers and assets are located in various offshore locations, and loan capital is deployed globally.

Large bridging loans

We can comfortably lend in excess of £10 million

Challenging properties

We lend in deals where there is property that is difficult to use as security for any number of reasons.

75% LTV

We can offer up to 75% LTV against international residential real estate, including in deals that involve offshore property or structures.

International bridging

When we the right borrower or asset, we can consider lending anywhere in the world. There are no restrictions on where we can lend.

Offshore structures

Tenn lends to individuals or corporate entities and in transactions that SPVs, limited companies, trusts, funds and so on. We are comfortable with UK and international entities.

Rates from 0.55% PCM

Rates start at 0.55% PCM. The asset’s location, the liquidity of the market, the borrower’s plans for loan capital and the exit will influence the rate to some extent.

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Offshore bridging loans

Tenn is set up to offer offshore bridging loans at pace. We are experts in offshore structuring, entities and property in offshore jurisdictions. Our clients use international bridging finance to complete international property purchases quickly and to release equity from non-UK property. We can offer multi-jurisdictional loans and bridging finance when the loan capital won’t be deployed in the same country as the asset.

We are happy to offer high-value loans against international real estate. There are no restrictions on where we can lend. Our loans start at £1 million, but we have no hard limit on the loan amount, and we can consider very large offshore loans. Even in non-standard offshore bridging loans (lending to a structure or using an asset as security that is owned by a structure, for example), we can deliver loans in as little as two weeks.

We can consider a variety of exits, including refinance, liquidity events and disposal of the asset used as security or other assets in the borrower’s portfolio.



Examples of complex deals we have delivered and how we have helped borrowers with unusual situations to raise significant loans against their global residential real estate.


We have no limitations on which jurisdiction we can deal with regarding ownership structures or residential real estate.

For us, an offshore bridging loan means that either the loan is domiciled offshore, the ownership structure is offshore, or the property is based in an offshore jurisdiction.

We are a principal lender with committed capital and significant offshore experience. As a result, we are comfortable operating with any combination of the above features to provide short-term finance.

What is offshore bridging finance?

    • Tenn is a specialist in the offshore bridging finance space. Offshore bridging finance is:

    We have enormous expertise in offshore lending and are happy to deliver significant loans in this space.


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Where does Tenn offer offshore bridging loans?

We are one of the few lenders who have a deep understanding of offshore bridging finance. Tenn is headquartered in Guernsey. As such, we are well-placed to understand what is needed to deliver offshore bridging finance. This includes everything from offshore structures to cross-structure lending where multiple entities are involved in the deal. These include deals where both offshore and onshore structures are used. Many of the loans we write and terms we offer involve more than two structures. There are no restrictions on where we can consider lending.


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Why does Tenn offer offshore bridging finance?

Many high-net-worth individuals own real estate in one or more offshore locations. There are lots of reasons for this from fiscal efficiency to citizenship through investment, as an investment, a holiday property, rental or to live in part-time.

Despite owning very high-value real estate and often being very wealthy, lending against offshore real estate remains challenging. Some lenders cannot lend in offshore jurisdictions and others find it is challenging to accommodate the structures that are usually used in such deals. These can be anything from property ownership structures to lending to a corporate entity or understanding how a borrower’s net worth or income is structured.

Identifying this gap in the market and knowing there was significant demand for it, we launched Tenn to make it easier for borrowers to lend against assets in offshore jurisdictions and structure bridging finance through offshore structures.


Does Tenn lend to offshore structures?

Yes. Tenn’s offshore bridging finance offering comprises of two different elements: property located offshore and in deals that involve offshore structures. We are experts in delivering any loan that involves offshore structures.

We understand how, where and why a borrower will use offshore structures and how to arrange the loan using these entities.




What kind of structures might be involved in an offshore deal?

We can lend in deals that involve any offshore entity or structure. What these are will depend on the borrower’s wider wealth planning, estate planning, confidentiality requirements, fiscal planning, optimising how asset ownership and how they structure their income and capital. Trusts, SPVs, funds, philanthropic entities.

We can lend in deals that involve Guernsey, Jersey, Isle of Man, BVI, Cayman, Singapore, Hong Kong, Gibraltar or Swiss structures of various types.



Can Tenn lend deals that involve onshore and offshore elements?

Yes. As long as the borrower has been property advised and meets their reporting and fiscal commitments with regards to their structures and property deals, we can consider lending. We have an in-depth knowledge of deals that have offshore and onshore elements and will be able to structure these accordingly.

Does loan capital have to be used in the same jurisdiction as an offshore asset?

  • No. In many cases, a property in an offshore location will not be the same place that a borrower generates their wealth. They may simply own an investment property or holiday home ‘offshore’, but they will want to use the loan capital elsewhere. We call this cross-border lending. We are happy to facilitate deals where the loan is used in a different country than the security.

Can you consider lending against multiple offshore assets?

Yes, we can lend against multiple assets in offshore locations. Usually, this happens when a borrower wants to maximise what they can borrow without taking several loans against several properties. We can offer a single loan using more than one property as security to help clients borrow more, unlock capital from multiple properties and source a one-stop solution for lending.

Can offshore properties be used for equity release?

Yes. We understand why sophisticated and high-net-worth borrowers would want to release equity from international properties and we are happy to lend in these circumstances.

How does Tenn offer offshore bridging finance?

We do not offer lending products and we do not have fixed lending criteria. In our experience writing offshore loans, the borrowers, assets, exits and reason for taking the loan are too distinctive to allow for criteria. Requiring every borrower meets fixed lending criteria would make the group people we could lend to, overly narrow. We are set up to write international bridging loans to as many quality borrowers as possible. Offshore bridging is truly case-by-case lending specialisation.


The location of the asset or having lots of international or multi-jurisdictional elements in the loan is not a barrier to offshore lending.


How much does offshore bridging cost?

Tenn writes every loan to order because the structuring requirements and complexity of these loans will be unique – it is not possible to offer a fixed rate or product. Our loans start at 0.55% PCM for prime property in the most popular and liquid prime markets, including the UK. In other locations prices start at 0.8% PCM.

The fact that offshore structures are involved in a loan does not necessarily mean a loan will be much more expensive. We are set up to lend via structures and in deals that involve offshore assets and entities. We have exceptional understanding of offshore bridging and can deliver deals with ease that would be impossible in other parts of the market.