For borrowers
Certainty of close, on a timeline that respects your project.
Bridge and development finance for mid-market real estate and hospitality across Europe. You get indicative terms within 72 hours, and terms that hold to closing, because the diligence framework is built before your deal arrives.
From enquiry to indicative terms.
Enquire
Send the project, the asset, the amount and term sought, and the intended exit. A short brief is enough to begin.
Qualify
A principal reads the brief, checks it against the deal box, and follows up on anything missing.
Structure
The underwriting committee sets the security, the mortgage, the guarantees, and the order of disbursement.
Terms
You receive indicative terms in writing, with the structure already agreed rather than assembled after the fact.
Structured around your project.
Watson AM provides short to mid-term finance, mostly for real estate and hospitality projects across Europe.
What matters most is simple: each facility must be secured, usually against the asset, and agreed in full before terms are issued, so you see the structure and the exit before you commit.
Those are the standard guidelines; for the right opportunity, we stay flexible.
Every facility carries security: a first-rank mortgage, a personal guarantee, a bank guarantee, or a combination set per deal.
Facilities run months to a few years, and each one is underwritten to a clear, pre-agreed exit.
Switzerland, Germany, Austria, Denmark, Norway, Sweden, Finland, the United Kingdom, Spain, Italy, and France.
Six ways to structure the facility.
Short-term capital that closes a purchase or refinancing quickly, used while longer-term financing, a sale, or another facility is being arranged. Typically the fastest structure to underwrite, since the exit is often already contracted or well advanced, and the facility runs for months rather than years.
Facilities drawn down against progress on a ground-up build or a phased development, so capital is released as the works advance. Drawdowns are tied to inspection or quantity-surveyor sign-off at each stage, keeping exposure matched to what has actually been built rather than what is planned.
Funding to purchase land, a plot ahead of development, or a standing asset, typically drawn at completion to secure the site or the building. Used on its own to close a purchase quickly, or as the first stage of a facility that later converts to development finance once permits are in hand.
Replacing an existing facility with new terms, whether to release equity, extend the timeline, or move ahead of a maturity. Common where a project has de-risked since the original facility was arranged, a valuation has moved, or a sponsor wants to consolidate several facilities into one.
Facilities for renovation, restoration, or other value-add works on an asset already owned, sized against the uplift the works are expected to create. Covers everything from a single conversion to a full restoration of older or listed stock, with drawdowns released against the works completed.
Subordinated capital that sits behind a senior facility in the capital stack, letting a sponsor reduce the equity they put into a deal. Priced for the additional risk it carries relative to the senior tranche, with the security package and repayment order agreed with the senior lender up front.
What Watson AM finances.
A wide asset mix, each project judged on the underlying opportunity and the security behind it.
Hospitality and resort
Hotels to alpine resorts
Multi-unit residential
Apartments and townhouses
Villas and single residences
Purchase, restoration, new-build
Land and development sites
Plots ahead of a ground-up build
Heritage and restoration stock
Brought back to standard
Student and senior living
Operational, demand-led
The categories we see most often, rather than a limit on what we'll consider.
Why borrowers choose Watson AM
Terms that hold, from indicative to drawdown.
The risk is priced up front and held. Because the diligence framework is built before your deal arrives, a complete enquiry reaches indicative terms within 72 hours, and the structure you see at the start is the structure you close on.
And you deal with a principal who can say yes: one point of contact, from the first enquiry through to repayment.
Borrower questions.
How quickly can Watson AM issue indicative terms?
Indicative terms are usually in hand within 72 hours of a complete enquiry. A principal reviews the brief and follows up on any gaps within 24 hours, and the underwriting committee convenes within 48 hours. The speed comes from a diligence framework that is in place before any deal arrives, so those 72 hours go on running checks that already exist.
What size and type of deals does Watson AM finance?
We arrange short to mid-term facilities for real estate, with a deal box of EUR 1M to EUR 1bn, across development, construction, acquisition, renovation, and refinancing. Borrowers are typically developers and hospitality operators with strong assets and a clear exit.
What does Watson AM need from a borrower to start?
A short brief: the project, the asset, the amount and term sought, the sponsor's track record, and the intended exit. We read the documentation that moves the deal forward and follow up on anything missing, rather than asking for a full data room up front.
What security will Watson AM take?
Security is set per deal. Most facilities are secured by a first-rank mortgage registered before disbursement, and we push for a personal guarantee from the sponsor and/or a bank guarantee where the deal supports it. The structure is agreed with you before terms are issued.