An independent business with flexible funding arrangements and local decision makers

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With high street offices in both Jersey & Guernsey, Reto has always taken a more personal and intimate approach with their customers.

In a market where change in appetite is constant, uncertainty is rife and at a time where people are becoming more used to using alternatives to bank funding – finding the right borrowing solution is more critical now than it has ever been.

With a wealth of options including banks, private finance, peer-to-peer lending and family offices, the options can seem somewhat overwhelming. Add into that mix a large intermediary network across the Islands and it can start to become a bit of a headache.

That’s where Reto comes in…

We are a an institutionally funded, multi-asset class lender with full local underwriting capabilities and therefore have the ability to make swift, in-house decisions. But more importantly than this, we are able to listen to our customers needs and work flexibly to tailor something which works for them.

Our ability to lend both secured and unsecured, and using assets ranging from vehicles, property, share portfolio’s and others – sets us apart from our competitors and allows us to look at how best to structure a deal depending on the ultimate client aim.

Sometimes what we think we need isn’t what we actually need – and by speaking through various options this becomes more apparent. It sounds simple, but without having a conversation directly with a lender about what they can and can’t do, the tendency will be to pursue something which isn’t the best fit, and more importantly, can be very expensive and above all else time-consuming.

Take real estate lending as one example. The range of funding products from Reto is very exciting! These include but are not limited to:

  • Pre-planning acquisition bridging finance
  • Full development funding (refurbishment or ground up development)
  • Development exit facilities
  • Home improvement facilities and second charge mortgages
  • Commercial/Residential or Mixed-Use acquisitions
  • Funding for HMO’s and specialist assets

At Reto we’ve always believed in the story. Ok, we have policies in place which broadly drives our credit and risk appetite, but we are flexible in our approach and have capability to be different from others. For example, we can help you fund the purchase of a new car, we can support you in buying or developing a new house, we can assist in financing a one-off life event expense, or we can assist you in funding the acquisition or start-up of a new business. Where else can you find a business which can support such a wide range of customer requirements?

When choosing a lender to work with you should ask yourself the following questions:

  • What is my goal and am I talking with someone who can support me through the beginning, middle and end?
  • Is speed of delivery key?
  • Is flexibility more important than rigidity?
  • Do I need one product or can I borrow money flexibility to attain the same outcome?
  • Is the lending requirement for short- or long-term benefit?
  • Am I speaking to someone capable of making a decision?
  • Is the lender locally based and understand the Islands and their ways of working?

Each of the above should be taken into consideration when selecting who you work with to achieve your goals, but the last three points should arguably be the most important. Dealing face-to-face with the lender, and talking through your short and long term aims, will always be a more beneficial conversation than doing it via a third party, as it reduces the chance of anything being lost in translation.

As a business which lends their own money, Reto provides you with an option which not only has the ability to be swift & flexible in its underwriting decisions, but also with a lending partner who truly values its customers, appreciates the value in relationships and is keen to support all areas of growth across the Channel Islands.

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