Karaya Capital

Karaya Capital: structured finance and private equity advisory

Karaya Capital is a UK-based financial advisory firm that presents itself as specialising in structured finance, private equity and debt, and capital advisory. Its activity is aimed at corporate clients, real estate investors, family offices and high-net-worth individuals. The company states that it has a team of professionals with experience in the financial sector and a network of contacts in funds and family offices.

Service areas

The firm structures its offering across several service lines: mortgage finance, insurance, asset finance, healthcare finance, farm and equestrian finance, specialist asset finance and private equity advisory. These areas are designed to cover financing needs for both individuals and companies and investment projects.

Karaya Developments: real estate division

Karaya Capital has a real estate development division called Karaya Developments, established by director Kul, who has accumulated experience in real estate private equity, debt advisory, finance, insurance and development. This division owns, manages and assists clients with residential buy-to-let, HMO (houses in multiple occupation), commercial, build-to-sell or rent projects, and other development opportunities. In addition, Karaya Capital participates in joint venture projects with Xavier Companies and other portfolio clients.

Karaya Charity: social commitment

The company states a social purpose through Karaya Charity, aimed at supporting charitable causes with global impact. Each year it contributes to various organisations, provides financial literacy education and promotes wellness through private and public events. The firm publicly thanks those who attend and donate to these causes.

Case studies and notable transactions

The firm's material includes several advised transactions. These include a £400,000 loan refinance for a distressed asset of an SME corporate client, which allowed previous creditors to be paid and saved the client more than five figures in penalties. Also mentioned is a £280,000 mortgage for new landlords incorporated as a limited company outside Greater London, completed in three months, and a £1.2 million bridging finance term sheet offer for a landlord with a portfolio exceeding £10 million, obtained within 24 hours. A £1.25 million residential development finance in Kent is also detailed in collaboration with Roma Finance, for two detached townhouses with an estimated GDV of £1.25 million and a redevelopment cost of £540,000. Other transactions include equestrian finance for an agricultural business for £2 million, business development finance for a high-net-worth family office subsidiary, a £150,000 purchase mortgage in Kent for a limited company, a term life insurance policy for more than £165,000 for a first-time buyer and a term sheet with 55% LTGDV obtained in five days for £6 million.

Network and geographic reach

The firm indicates that it has assisted in bridging and term financing transactions with institutional, specialist and private banks, particularly in the South East of England, West London and Central London. It also mentions relationships with family offices in the South East and London for the expansion of their structured asset portfolios.