Commercial Real Estate Gap Financing in Africa
Commercial Real Estate Gap Financing in Africa
What Gap Financing Solves
Gap financing fills the difference between committed senior debt and total project cost or purchase price. Sponsors use it to reach completion when costs move, to bridge to stabilization before a refinance, or to meet equity thresholds without over-dilution. Funding is structured against credible collateral, clear cash flow, and enforceable security.
- Developers and sponsors with bankable track records
- Family offices and local RE groups seeking scale
- International sponsors partnering with local operators
- Logistics, warehousing, and industrial
- Data centers and mission-critical assets
- Retail repositioning and mixed-use
- Hospitality with clear demand drivers
- Residential for rent and student housing
Where We Operate
Terms Snapshot
All terms are indicative and subject to credit, legal, and market conditions.
Underwriting Requirements
- SPV structure, clean cap table, and sponsor KYC
- Feasibility study, project budget, and independent QS where relevant
- Appraisal or valuation support and clear exit strategy
- Leases, pre-lets, MOUs, or demand evidence to support DSCR at stabilization
- Registered security, step-in rights, and enforceable pledges
- Currency framework and hedging plan where cash flows are in local currency
Our Process
Share a summary, model, and documents. We confirm fit and lender appetite.
Indicative terms with structure, covenants, and timetable.
Legal, technical, and credit review with clear conditions precedent.
Documents executed, funds scheduled, and drawdown mechanics agreed.
Frequently Asked Questions
Risk, tenor, leverage, currency, and sponsor strength. We run a competitive process across lenders to achieve market terms.
Only with clear permits, a development plan, and a near-term path to construction funding.
Target ranges typically 1.20x to 1.35x depending on asset and jurisdiction.
Yes if there is a hedging plan or partial hard-currency income. Otherwise local-currency lines may be required.
Request Gap Financing Terms
Send your project summary, budget, timeline, and collateral plan. We respond with structure options and a closing checklist.
Start Your Gap Financing ProcessFinancely Group acts as an arranger through regulated partners. All engagements are subject to KYC, AML, sanctions screening, legal and technical diligence, and approval by lending counterparties. Nothing here is a commitment to fund.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestProject Finance
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestAcquisitions
Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
