How to co-fund and the Sancus business model. Sancus offers a range of asset backed co-funding opportunities.

1. What to expect as a
Co-Funder with Sancus
Co-Funder Overview
UK - Ireland - Jersey - Guernsey - Gibraltar - IOM v1.a
Sancus BMS Group Limited, registered in Guernsey, Company Registration number 57766.
Registered office Block C, Hirzel Court, Hirzel Street, St Peter Port, Guernsey, GY1 2NL
All loans have to be unanimously
approved by the Sancus credit
committee, which operates across all
jurisdictions.
Sancus participates in each loan
alongside the Co-Funders to ensure
both interests are aligned.
Co-Funders include Private Clients,
High Net Worth Individuals, Family
Offices, Trusts and Institutions.
Sancus also has a credit facility with
Honeycomb Investment Trust.
The minimum allocation from a Co-
Funder is £100,000 and a Co-Funder
can typically expect returns in excess
of 7% pa.
Sancus is not regulated to provide
investment advice and private
lending is not risk free. We strongly
recommend Co-Funders take
independent legal and financial
advice before participating in
funding opportunities.
Sancus offers Co-Funders a range of
asset backed funding opportunities
in which they may participate with
other Co-Funders in a syndicated
loan. These opportunities come in a
range of term lengths, risk-return
profiles and are all credit approved
by Sancus’ experienced credit team.
Our asset backed lending service
operates across multiple
jurisdictions; UK, Ireland, Jersey,
Guernsey, Gibraltar and Isle of Man.
All loans are secured with tangible
assets, property being our preferred
security. We also insist on personal
guarantees from the borrower where
appropriate.

2. Our loan process
1
Sourcing -
identifying suitable loan
opportunities, originated
by a pro active, well
connected team across
multiple jurisdictions
2
Profiling –
understanding risk
tolerance, income
requirements and needs
3
Reviewing -
an Initial Credit
Assessment proposal
of the loan is submitted
to the Group’s Credit
Committee
4
Approving –
following approval from
the credit committee
an Offer Letter is sent to
the Borrower outlining the
terms we are willing to
lend upon
5
Syndicating –
offering the loan to
Co-Funders – Sancus
participates in every loan,
our interests are aligned
with our Co-Funders
6
Administrating -
of the legal and due
diligence process,
Sancus is the security and
facility agent for the loan
7
Monitoring –
ensuring the loan is
performing, if a borrower
defaults Sancus will handle
the default proceedings
and keep all Co-Funders
in the loan informed of the
recovery process
A dynamic team,
easy to deal with
and extremely
knowledgeable about
their business. As a
Co-Funder I would
recommend Sancus
George Baird,
Non-Executive Director.
“
Sancus Platform Homepage
Extract from the Sancus Digital Platform for use by Co-Funders
8
Reporting –
Sancus has its own
proprietary online platform
which Co-Funders have
dedicated access to
UK - Ireland - Jersey - Guernsey - Gibraltar - IOM v1.a
Sancus BMS Group Limited, registered in Guernsey, Company Registration number 57766.
Registered office Block C, Hirzel Court, Hirzel Street, St Peter Port, Guernsey, GY1 2NL

3. What to expect as a Co-Funder
Example of a Co-Funder Term Sheet
Borrower/Type: UK Company/Bridging
Purpose of loan:
Loan required to assist with the purchase of a site for residential
development in Tyne & Wear
Loan Amount: £3,100,000
Borrower Interest Rate: 10.5% pa
Co-Funder Interest Rate:
8.5% pa – Sancus will deduct 2% as an administration charge off the
Borrower’s interest rate
Interest Paid:
Yes, initial 6 months interest paid upfront then the remaining quarter
rolled up to the end of term
Term: 9 months
LTV: 64%
Value: £5,350,000
Security:
A debenture and first legal charge over the property together with a
charge over the shares of the Borrower
Guarantors: Beneficial Owner
Repayment Strategy: Development Facility
Completion Date: July 2019
UK - Ireland - Jersey - Guernsey - Gibraltar - IOM v1.a
Sancus BMS Group Limited, registered in Guernsey, Company Registration number 57766.
Registered office Block C, Hirzel Court, Hirzel Street, St Peter Port, Guernsey, GY1 2NL
Sancus Co-Funders are on-boarded, which includes all Anti Money Laundering (AML) and
Know Your Client (KYC) checks.
Once the Co-Funder is signed off, they have access to the Sancus Platform, through which
new funding opportunities are issued, in the form of Term Sheets. (see example below).
If the Co-Funder is interested in funding an opportunity they may request further details,
through the platform or from their relationship manager.
The Co-Funder then requests an allocation to the loan through the platform or their
relationship manager.
Co-Funders may use the Platform to access data, legal and supporting documentation
and gross loan statistics.
Platform access is secured with double encrypted security.
Risk Warning:
Capital is at risk. Instant access to held funds cannot be guaranteed.
No Financial Services Compensation Scheme (FSCS) protection.

4. Isle of Man
Sancus (IOM) Limited*
2nd Floor Exchange House,
54–58 Athol Street,
Douglas,
Isle of Man, IM1 1JD
*an affiliate company
T +44 (0)1624 604101
E graham.sheward@sancus.com
Gibraltar
Sancus (Gibraltar) Limited
Third Floor,
Heritage House,
233/3 Main Street
Gibraltar, GX11 1AA
T +350 200 13700
E stephen.obrien@sancus.com
Jersey
Sancus (Jersey) Limited
Windward House,
La Route de la Liberation,
St Helier,
Jersey, JE2 3BQ
T +44 (0)1534 708900
E stephen.house@sancus.com
Guernsey
Sancus (Guernsey) Limited
Block C, Hirzel Court,
Hirzel Street,
St Peter Port
Guernsey, GY1 2NL
T +44 (0)1481 708288
E matt.watson@sancus.com
UK
Sancus Funding Limited
3rd Floor
The News Building,
3 London Bridge Street,
London,
SE1 9SG
T +44 (0)207 022 6528
E dan.walker@sancus.com
Ireland
Sancus BMS (Ireland) Limited
Harcourt Centre,
Harcourt Road,
Dublin 2
T +353 (0)87 973586
E michael.mooney@sancus.com
Registered Office Addresses and contacts
Sancus Funding Limited is authorised and regulated by the Financial Conduct Authority, firm reference number 593992
and is a private company incorporated under the laws of England and Wales, company number 7534003.
Sancus BMS (Ireland) Limited is a company registered in Ireland, company number 602067.
Sancus (Gibraltar) Limited is a company registered in Gibraltar, company number 112755.
Sancus (Jersey) Limited is registered in Jersey, company number 113391.
Sancus (Guernsey) Limited is registered in Guernsey, company number 58612.
Sancus (IOM) Limited is a company registered in Isle of Man, company number 012528V.
All companies are part of Sancus BMS Group Limited, company number 57766, incorporated and registered in Guernsey.
The Sancus BMS Group do not provide financial advice, for this please consult an independent financial advisor. Sancus do not
provide private mortgages.
We recommend Co-Funders take independent legal and tax advice.
Risk Warning: You could lose all or part of your capital. Indicated returns, unless otherwise stated, are shown before any
provision for bad debts and may be subject to tax. Instant access to funds cannot be guaranteed. There is no recourse to the
Financial Services Compensation Scheme.
UK - Ireland - Jersey - Guernsey - Gibraltar - IOM v1.a
Sancus BMS Group Limited, registered in Guernsey, Company Registration number 57766.
Registered office Block C, Hirzel Court, Hirzel Street, St Peter Port, Guernsey, GY1 2NL