Sancus BMS Group Limited provides alternative finance solutions such as asset-backed loans to small and medium enterprises, high net worth individuals, and property owners. It operates in the UK, Ireland, Channel Islands and Isle of Man. For borrowers, it offers customized loans from £250,000 to £22 million at terms of 6-24 months. For co-funders, it provides investment opportunities in approved loans with attractive risk-adjusted returns.

1. Sancus BMS Group Limited, registered in Guernsey, Company Registration number 57766.
The Sancus BMS Group is part of GLI Finance, registered in Guernsey, Company Registration number 43260.
Corporate Overview
Sancus BMS Group has operations in the UK, Ireland, Jersey, Guernsey, Gibraltar and the Isle of Man*.
The Group provides alternative finance solutions to small-medium enterprises (SMEs), high net worth
individuals (HNWIs), property owners and developers whilst managing the associated risks for both
Borrowers and Co-Funders. We are entrepreneurs lending to entrepreneurs, professionals lending to
professionals.
For our Borrowers, Sancus offers a simple, bespoke, efficient alternative to traditional funders through
asset backed loans, specialising in bridging and development finance. We do not provide consumer loans;
our minimum loan is £250,000 with term lengths of 6 to 24 months. Our maximum loan to date is £22m
and our “sweet spot” is £2m - £5m (€2m - €5m).
For our Co-Funders, Sancus provides attractive, risk adjusted returns on funding solutions that have
been approved by our experienced credit committee. Our typical Co-Funders are institutions, family
offices, HNWIs and private clients who are seeking either diversification from the volatility associated with
equity and bond markets or an alternative to the current low interest rates available.
*An affiliate company
Why Us
 Access to significant permanent and semi-permanent capital;
 Highly experienced team (average 20 years’ experience in financial services sector);
 Ability to handle highly complex lending proposals;
 Certainty and speed of execution (average loan completion within 2 weeks);
 We lend alongside our Co-Funders, providing assurance that we have full confidence in our credit
process.
Borrowers Co-Funders
Certainty – of loan commitment if all clearly defined
criteria are met
Diversification – through a low correlation to
traditional asset classes with risk-adjusted returns in
excess of bonds and cash
Reliability – speed and efficiency of service
Control – Co-Funders can choose which loans they
wish to participate in with interest (usually) paid
monthly or quarterly
Simplicity – loan terms are customised to suit
individual borrower requirements
Simplicity – easy, direct secured funding with
transparent reporting
Trust – you know with whom you are dealing Trust – you know with whom you are dealing
Flexibility – ability to repay or amend loan if
circumstances change
Flexibility – possibility to recall monies if personal
circumstances change
Opportunity – access to capital in more complex
situations than traditional lenders can provide
Impact – assisting the real economy, making a
difference in your local community

2. Sancus BMS Group Limited, registered in Guernsey, Company Registration number 57766.
The Sancus BMS Group is part of GLI Finance, registered in Guernsey, Company Registration number 43260.
Our Loan Process
Borrower Fees
 0.5% Commitment Fee (non-refundable and payable upon return of Offer Letter);
 1.5% Arrangement Fee (payable on completion of loan);
 Exit fees (to be negotiated);
 All legal fees are paid by the borrower.
Co-Funder Process
Our secured funding service provides Co-Funders with the opportunity to participate in a loan syndication
with a maximum duration of two years. However, please note that a loan may not repay on time and on
occasions may be allowed to roll if we remain satisfied with the credit quality. There is also the risk that a
borrower defaults, co-funding is not risk free.
The minimum participation from a Co-Funder is £100,000.
Our administrative process is seamless and simple, by working with the Borrower and our legal teams,
as well as being one of the Co-Funders in all loans, we are able to manage the entire loan approval
process. Co-Funders do not incur any costs; however, Sancus deducts an administration fee from the
Borrower’s interest rate, which is declared to all parties.
Example of a Co-Funder Term Sheet
Borrower Jersey/Company
Loan Amount £500,000
Purpose Loan to repay existing debt and part fund property improvements
Borrower Interest Rate 10%
Co-Funder Interest Rate 8% - Sancus will deduct 2% as an administration charge off the Borrower’s interest rate
Term 24 months
Interest Paid Quarterly in arrears
Loan-to-Value(LTV) 63%
Security First Registered Charge on the Jersey property
Repayment Strategy Traditional refinance on completion
Completion Date April 2018
Penalties None
Sourcing
Identifying suitable
loan opportunities
Profiling
Understanding risk
tolerance, income
requirements & needs
Reviewing
Preparing the Initial
Credit Assessment of the
Borrower
Approving
An Offer Letter is sent to
the Borrower
Syndicating
with other Co-Funders (if
applicable)
Administrating
the legal and due
diligence process
Monitoring
ensuring the loan is
performing and in the
unlikely occurrence of a
default, we handle the
resultant proceedings