25 yrs
Arranging property finance
About us
A self storage finance arranger on the borrower's side
Led by Matt Lenzie, with 25 years and more than £500 million of UK property finance arranged.
The authority behind the site
Matt Lenzie, Founder & Principal Broker
Matt Lenzie founded Self Storage Finance after more than 25 years arranging funding for commercial property across the UK. Over that time he has structured and placed more than £500 million of finance, from single-store acquisitions to ground-up development schemes and trading-business portfolios.
Much of that career was spent on the lender's side of the table, which is where the relationships come from. He knows how acquisition, bridging, development, mezzanine and term-debt desks underwrite self storage facilities, what they will stretch on, and where a deal will stall. That is the difference between an introduction and a funded deal.
Every enquiry is read, structured and taken to market by Matt himself. There is no junior desk and no hand-off. Operators, investors and developers deal directly with the person arranging their finance.
£500m+
Funding arranged
100+
Lender relationships
Direct
Every deal, no hand-off
What we do
We arrange finance for self storage facilities across the whole lifecycle of the business. We model the facility a deal needs, take it to the lenders most likely to back it, and place the structure that funds the store from acquisition or build through to long-term hold. We work across acquisition finance, bridging, development finance, mezzanine, equity introductions and term debt for self storage operators, investors and developers UK-wide.
We are an arranger and introducer, not a lender. We work the whole market and are paid by lender commission or an agreed fee, so our incentive sits with the operator, investor or developer rather than any one funder. Most of the lending we arrange is unregulated business lending; where a transaction would be a regulated mortgage contract, we refer it to an appropriately authorised firm.
Why sector knowledge matters
A mature purpose-built store at stabilised occupancy, a conversion in lease-up and a container site on leasehold land are underwritten on different tests by different lenders. One turns on trading EBITDA and rate history. One turns on the lease-up curve and the operator's track record. One turns on tenure and how the lender treats the containers themselves. Knowing which lender backs which kind of facility, at what leverage and on what terms, is the difference between a deal that funds and one that stalls.
The company
Self Storage Finance is a trading name of Lenzie Consulting Ltd, registered in England and Wales under company number 08174104. Registered office: Lynch Farm, Kensworth, Dunstable, LU6 3QZ.
Tell us about your deal
Send us the outline and Matt will come back with a view on fundability and likely terms.