Founder-led structuring. Lender-side experience.

Who runs this site

Matt Lenzie, founder of Lenzie Consulting Ltd and operator of the Construction Capital portfolio. Bank of Scotland and Lloyds Banking Group alumnus. 25+ year career in UK property and corporate finance. £300m+ of equity and debt raised for clients to date. Read Matt's full profile →

What we do

We structure capital stacks for UK property developers and introduce each layer to the capital providers who fund it. A development deal is rarely a single loan: it is senior debt to 60 to 65 percent of cost, sometimes a stretch senior facility to 85 or 90 percent, mezzanine on a second charge above the senior, and equity or a JV partner behind all the debt. We work out which combination of those layers suits your scheme, structure the SPV, priority return and intercreditor terms, and introduce the package to lenders and funding partners whose criteria it fits, through to 100% development finance where the structure supports it.

Who we act for

We act for developers raising capital, never for investors seeking deals. The desk sees five recurring profiles:

• Developer with an equity gap. Site secured, senior terms agreed, not enough cash for the equity slice. Mezzanine top-up or JV equity to close the gap between senior debt and total cost. Typical size: £250k to £2m equity per scheme.
• Full-stack funding developer. Wants to run the scheme with little or none of their own cash in. 100% development finance: senior to its ceiling, mezzanine or JV equity above, profit share negotiated. Typical size: £1m to £10m total stack per scheme.
• Scaling developer. Cash tied up across live schemes, pipeline outgrowing the balance sheet. A repeat JV partner or equity line across multiple schemes, releasing cash to run more sites in parallel. Typical size: £2m to £20m across a pipeline.
• Landowner with planning. Owns the site, often with planning, lacks build funding or build experience. Land-as-equity JV: site value counted as the equity contribution, partner funds the build, profit shared. Typical size: Site value £500k to £5m.
• First-scheme developer. Trade or professional background, first ground-up scheme or conversion. Track-record problem: structures that get a first scheme funded, usually with an experienced JV partner alongside. Typical size: £500k to £2.5m total stack.

Construction Capital portfolio

Construction Capital is the parent brand. JVEquity.co.uk operates as a trading name of Lenzie Consulting Ltd and is the portfolio's JV and equity desk: where the sister sites cover landlord, bridging, commercial and development debt, this site covers the layers above and behind the senior loan. Every site in the portfolio funnels into the same specialist desk. Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We act as an introducer and capital-stack arranger for property developers, not as a lender or investment promoter. We arrange non-regulated development finance, bridging and commercial facilities, and introduce developers to joint venture and equity funding partners. We do not promote investment opportunities to investors. Where any element of a transaction constitutes a regulated activity, including arranging deals in investments, it is carried out by, or referred to, an appropriately authorised firm.

Sister sites include ConstructionCapital.co.uk, BuytoLetFinance.co.uk, ProfessionalLandlordFinance.co.uk, CommercialMortgagesBroker.co.uk, and a network of regional development-finance and bridging-finance properties.

How the desk works

Send your appraisal in any format: a spreadsheet, a development appraisal PDF, even a clear email. Within one business day you get a view on whether the numbers support the structure you want, the realistic alternative if they do not, and a shortlist of the funding partners and lenders we would introduce the scheme to, with indicative terms. From there the work is structuring: SPV and shareholders' agreement shape, priority return and profit split, intercreditor terms agreed before either side's lawyers raise them, and the introduction managed through to drawdown.

Fees

Initial consultation is fee-free. We charge a success fee as a percentage of the total capital arranged, payable only on completion. On debt tranches the lender's procuration fee is taken first and offset against our fee. No fee at all if your deal does not complete.

How we are different

• Lender-side experience at the top. Matt spent 25 years inside Bank of Scotland and Lloyds Banking Group, structuring, credit-committing and underwriting the layered property transactions this site now assembles for developers.
• Stack structurer, not lead seller. Every enquiry gets a fee-free initial review of the appraisal by the desk, not a list of leads sold to a panel.
• Specialist depth. Our work sits where ordinary brokerage stops: JV equity, mezzanine, stretch senior, intercreditor negotiation, profit-share and waterfall design, the segments where structure changes the developer's outcome by six figures.
• Editorial moat. Every page on this site carries real June 2026 numbers, worked examples and FAQs answering actual developer questions, not template filler.
• Compliance-first. We are developer-facing only. We never promote investment opportunities or advertise returns to investors; where any element of a transaction constitutes a regulated activity it is carried out by, or referred to, an appropriately authorised firm.

The team

Headquartered in London, operating UK-wide. Matt personally reviews every scheme that crosses the desk, supported by the Construction Capital case-management and content teams and a referral network of solicitors, accountants and monitoring surveyors used to development SPV work.