Enness was approached by an ultra-high-net-worth client based in the US looking to arrange finance for a Californian land valued at approximately $150 million. The owner sought to raise capital against the asset to support an international investment opportunity that required proof of funds on a tight timeline.
Rather than liquidating assets or selling the land, raising capital via a land loan was the solution. This allowed funds to be ring-fenced efficiently and discreetly, enabling participation in the investment without impacting long-term strategy or altering the broader asset position.
Enness arranged a circa $76 million land loan secured against the California landholding. The facility was structured over the clients required term, with interest and fees rolled into the loan, creating a cash-neutral solution that eliminated any repayment obligations during the term. Land loans of this scale are highly specialised, particularly when favourable terms must be aligned with the asset's valuation, liquidity profile, and market. Enness identified and negotiated with a lender experienced in large, non-income-generating US landholdings to ensure a facility that met the time-sensitive requirements.
The result was a streamlined, high-value loan that delivered liquidity, flexibility, and certainty. The borrower demonstrated proof of funds for the overseas investment while retaining full ownership of the US land asset. Enness' ability to structure and secure the facility discreetly and quickly was critical in achieving the outcome. If you have similar financing requirements, don't hesitate to contact us today.c
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