Matt Lenzie

Matt Lenzie is the founder of Lenzie Consulting Ltd, the trading entity behind JVEquity.co.uk and the wider Construction Capital portfolio of UK property-finance specialist sites. Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority; it acts as an introducer and capital-stack arranger for property developers and arranges non-regulated development, bridging and commercial facilities only.

Matt's career began on the lender side. Across more than two decades at Bank of Scotland and then Lloyds Banking Group, he structured, credit-committed and underwrote property and corporate finance transactions, including the layered deals this site now helps developers assemble: senior facilities, stretched senior, mezzanine top-ups and the equity that sits behind them. That lender-side perspective, what credit committees actually approve, how intercreditor terms get agreed, which structures survive a downturn, is the core of how we structure a capital stack.

Over a 25-year career he has been involved in raising more than £300 million of equity and debt for clients across development finance, commercial property and corporate transactions. The portfolio of sites he operates today funnels into a single specialist desk, run on the principle that the arranger should know more about the capital provider than the developer does.

Matt lives in the UK and personally reviews every scheme that crosses the desk. Initial consultations are always fee-free.

Background

Career: Bank of Scotland, Lloyds Banking Group. 25+ years in UK property and corporate finance.

Track record: £300m+ of equity and debt raised for clients across development finance, commercial property and corporate transactions.

Current role: Founder, Lenzie Consulting Ltd, operating the Construction Capital portfolio of UK property-finance specialist sites including JVEquity.co.uk, ConstructionCapital.co.uk, ProfessionalLandlordFinance.co.uk, BuytoLetFinance.co.uk, CommercialMortgagesBroker.co.uk, and the wider network of regional development-finance and bridging-finance properties.

Regulatory status: Lenzie Consulting Ltd is not authorised or regulated by the FCA. We act as an introducer and capital-stack arranger for property developers and arrange non-regulated development, bridging and commercial finance only. We do not promote investment opportunities to investors. ICO registration ZC089032.

Areas of expertise

• Joint venture development finance
• Development equity
• Mezzanine finance
• Stretch senior finance
• Capital stack structuring
• Development finance
• Profit share structures
• SPV and shareholders agreements
• Intercreditor and security structures

Why lender-side experience matters in JV and equity structuring

The people arranging development capital usually come from a sales or brokerage background. This desk is led by someone who spent more than two decades structuring, credit-committing and underwriting layered property transactions on the lender side. The structure of a capital stack, how the SPV and shareholders' agreement are drafted, what order the senior, mezzanine and equity conversations happen in, which intercreditor points get conceded and which get held, is what determines whether a scheme funds at all, and how much of the profit the developer keeps when it does. Those decisions should be made by someone who knows what the credit committee and the investment committee at the other end actually want to see.

If your scheme is a straightforward senior-debt case, any competent broker will get you a sensible outcome. If it is not, a first scheme with no track record, an equity gap above a senior facility already in terms, a landowner contributing the site as equity, a 50/50 JV whose deadlock provisions a lender will read before approving the loan, then the arranger's lender-side experience determines whether the deal completes, on what split, and with what protections left in your hands.