Security
Every investment HSCV makes is backed by UK property assets, ensuring robust security for our Lending Partners. Our security measures include:
Facility Agreements
A contract between all parties outlining financing terms, including amount, interest rate, and repayment. It also defines rights, responsibilities, and conditions for recall.
Legal Charges
A security interest granted over an asset, giving the lender rights to take possession or sell the asset if the borrower defaults on the loan. It provides the lender with legal control over the asset until the debt is fully repaid.
Debentures
A form of security that provides lenders with a claim over a company's assets, covering all assets rather than a specific one. This security allows lenders to enforce rights over the company's assets in the case of a default.
Personal Guaratees
A document in which an individual personally pledges to repay a loan if the borrower defaults. providing lending pertners with additional security, allowing them to pursue the guarantor's personal assets if the business cannot meet its debt obligations.
Share Assignments
A security arrangement where shares in a company are pledged to a lender as collateral for a loan. The Lending Partner has the right to take ownership of or sell the assigned shares to recover the outstanding debt, providing a direct claim on the company's equity.