In this ZEPscope feature, Zenzic Capital walks through the ZEPS investment process in detail, from initial deal introduction to final repayment, offering advisers a transparent view of how capital is deployed, protected, and monitored at every stage.
For advisers conducting due diligence on Business Relief services, understanding the investment process in detail is essential. This should cover not just what a manager invests in, but how decisions are made, what deals are rejected, and how investor capital is protected throughout the whole loan lifecycle.
Real estate cannot be managed from behind a screen. It demands presence, judgement, and active oversight. ZEPS’ process is built around that principle. Fewer than 10% of opportunities that enter the pipeline ever proceed to funding. That selectivity reflects a process designed to filter out anything that does not meet ZEPS’ mandate, risk appetite, or strategic focus before material resource is committed.
Opportunities enter via a trusted network of developers, brokers, and introducers, and are assessed initially on sector fit, borrower credibility, and key structural parameters. Deals that pass screening receive indicative terms before being presented to the Credit Committee for detailed assessment. Those that proceed move into formal underwriting, commissioning third-party valuations, monitoring reports, and legal reviews alongside detailed analysis of borrower financials, cost plans, and exit strategy. Formal credit-approved terms follow, and once accepted, legal due diligence begins. Funds are released on contract exchange, with active monitoring continuing until full repayment.
The Sky Gardens project in Leeds’ South Bank illustrates the approach in practice. For this prestigious 32-storey residential development, ZEPS provided a tailored mezzanine facility alongside institutional senior finance, maintaining rigorous oversight from first enquiry through to completion. In a market where process and discipline are the primary tools of capital protection, transparency about how decisions are made should be a key consideration for any adviser recommending a BR service to clients.
For professional advisers only. Capital is at risk. Loans may not be repaid and security does not guarantee repayment. BR qualification and tax treatment depend on individual circumstances and legislation, which may change. Past performance is not a reliable indicator of future results.
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