At ZETO Property Solutions Ltd., we’re delighted to share an exceptional secured lending opportunity in partnership with an established lending platform. The Croham Valley development in South Croydon comprises 4 premium x 5‑bedroom family homes, backed by strong demand and a reputable Tier 1 developer with a proven track record.

With construction already well advanced and a 14% p.a. fixed return, this opportunity offers experienced investors a transparent, well‑structured route into short‑term property‑backed lending. Independent RICS oversight, robust legal protections, and multiple exit strategies further strengthen the investment’s profile.

We’re proud to support the platform in bringing high‑quality, secure lending opportunities to the market and look forward to connecting investors with this standout project.

The Croham Valley project, located to the rear of 35–37 Croham Valley Road in South Croydon, is a high‑quality residential scheme comprising four premium five‑bedroom family homes. The site spans 0.21 acres and benefits from full planning consent (Ref: 21/05664/OUT), offering a fully authorised development pathway with no outstanding planning risk. The scheme totals 6,986 sq ft GIA across the four homes, each designed to meet strong demand for spacious, modern family housing in a well‑connected South London suburb. Foundations and wall structures are already complete, demonstrating tangible construction progress and reducing early‑stage development risk.

Repayment on this development is upon completion and sale of the units.

Investment snapshot:
- Purchase: £1,000,000
- Works: £1,526,500
- GDV: £3,530,000
- Total Investment Required: £416,000
- Minimum Investment: £25,000
- Interest Return PCA: 14%
- Expected Term: 18 Months or upon completion and sale.
- Loan Agreement Structure

For further information on this project or to invest, please get in touch.

Sourced reference: 264132991312639

1. Independent RICS Valuation
The project’s GDV (£3.53m) is confirmed by Colliers, a RICS‑certified valuation firm.
This provides independent validation of the asset value and project viability.

2. Planning Permission Confirmation
Full planning consent granted (Ref: 2105664/OUT).
This can be verified directly with the local planning authority.

3. Construction Progress Evidence
Foundations and wall structures are already complete, showing tangible progress on site.
Monthly construction monitoring is in place via a RICS surveyor.

4. Monthly RICS Monitoring Surveyor Reports
Investors receive independent oversight reports directly from a qualified surveyor.
These track build progress, budget adherence, and risks.

5. Legal Security Structure
Registered Second Legal Charge provides formal security over the property.
A Deed of Priority establishes ranking and investor protections.
Custodian‑controlled investor funds ensure proper segregation.

6. Developer Track Record
Tier 1 South West London developer with £179m AUM.
This is the 4th project with LendCart—history of repayment and performance.

7. Exit Strategy Verification
Multiple exit routes are outlined and can be validated:
Sale of units to end buyers
Institutional refinancing
Development exit loan
Institutional bulk sale
This diversification supports risk assessment.

8. Financial Structure Transparency
Fixed return of 14% p.a., with +1.5% monthly default interest beyond 14 months.
Minimum investment, repayment examples, and capital structure all clearly disclosed.

9. Project & Location Overview
Full details of the site address, plot size (0.21 acres), and local area amenities.
Strong commuter access to London Bridge & Victoria highlighted as demand drivers.

10. Investor Protections
Second Legal Charge
Deed of Priority
Custodian‑controlled funds
Step‑in rights
Cost overrun protections
Monthly project monitoring