Commercial & Property Finance Lenders.

Together has been delivering specialist secured lending for more than 46 years, using its wealth of expertise and industry knowledge to consider individual circumstances to find a way to help its customers.

All applications are considered on their merits and the product range includes short-term finance, buy-to-let, commercial and semi-commercial mortgages and loans, auction finance and development funding throughout mainland UK.

Learn more about Together Money.

MT Finance is a leading property finance lender specialising in short term loans, including auction finance and bridging finance. 

Since 2008, our reputation in the market has excelled for delivering fit-for-purpose short-term loans at speed, and our approach to lending is something we have been consistently recognised for within the financial services industry. 

Experts in light & heavy refurb, BTL purchases, and business investment, we offer 1st and 2nd charge loans up to 65% LTV of the open market value. There are no upfront fees, no exit fees, no ERCs and we do not require personal guarantees on company transactions.

With instant decisions in principle, an asset-based approach, and proc fees paid on the same day as a completion, with MT Finance it’s effortless. Every time.

Learn more about MT Finance.

Interbridge is a London based company offering unregulated short-term property loans. 

The main lending purposes of Interbridge loans are:

• bridging with or without refurbishing element
• Size £1m – £5m (larger portfolios considered)

Loans are available for UK & Foreign Nationals / Companies for properties that are…

• … located in England & Wales
• … residential
• … commercial with PP / without PP & semi-commercial 
• … HMOs & HMO conversions

Interbridge loans are structured

• … up to 75% OMV
• … up to 80% Purchase (undervalue); and
• … start from 0.45% pcm.
• All loans come with embedded 3 month’ free extension
• Additional extension of 2 months available at 1.5% extension fee

Our service is quick and effective, and completions can be achieved within 4 days of application. Typical turnaround times are between 5 and 10 business days.

Interbridge funding base is substantial, and the company is actively lending in current market conditions.  

Learn more about Interbridge

We are a newly launched principle business and property lender. Every lending requirement is different, so we shape our products around you.

Our lending products range from 9.99% per annum and in some instances do not have a loan to value or debt service restriction. With a highly experienced team underwriting and working alongside you, we can perform outside of the box and deliver innovative lending structures and products.

Short-term finance by Catalyst

Catalyst Property Finance provide fast access to flexible bridging finance. 

Their expert team is passionate about supporting property people with the projects.

CRITERIA OVERVIEW:

• First charge: up to 75% LTV of Current Market Value
• Second charge: up to 65% of 180 Day Value
• Light, medium and heavy refurbishment 
• 100% Refurbishment costs funded in arrears 
• Rates from 0.60% pcm 
• Loans from £50,000 to £3,000,000
• Terms to 24 months 
• Interest payments retained or part/part. Serviced by exception.
• No exit fees 
• No Early Repayment Charges 
• Most property types considered
• Unregulated bridging. 

They’ll make sure you never miss a good opportunity.

Learn more about Catalyst Property Finance.

We pride ourselves on being a fast and flexible lender, with a commitment to delivering specialised, short term finance. In an ever changing world, it is important that lenders adapt, which is why our in house specialists enjoy the challenge of identifying bespoke bridging solutions to suit the circumstances of our borrowers.

We do not have a set lending criteria which allows us to assess each application on its own merits in conjunction with our broad lending appetite including commercial, residential, land and development

Learn more about Fairbridge Capital.

Avamore Capital is a principal development and bridging lender with a forward-thinking approach. We have a loan book of over £200m and deal sizes typically range between £500K – £10m.

We are dedicated to providing outstanding service and understand that the market’s needs are consistently evolving. As such, we were the first ever lender to introduce the Finish & Exit product which provides developers with funds to complete their scheme if they have faced cost overruns or unexpected delays during the build.

In addition to our Finish & Exit product we offer Refurbishment and Bridging Loans. Our focus is always on working closely with borrowing and broking partners to remain responsive and dynamic to accommodate future requirements.

As such, our core values are transparency, reliability and predictability; we are committed to building trusting relationships and delivering outstanding service at competitive prices.

Learn more about Avamore Capital.

CrowdProperty is the UK’s leading specialist property project online lending platform, exceptionally efficiently matching the demand (quality property professionals undertaking quality property projects) and supply (retail/institutional investors) of capital for value-creating property projects, delivering a better deal for all – borrowers, lenders, the under-supplied UK housing environment and spend in the UK economy. 

Actual property development and investment experience lies at the heart of the business meaning hands-on, expertise-led due diligence and loan monitoring. Lending is focused on the SME property professional market, a key segment for supplying much needed UK housing stock, which is poorly and inefficiently served by traditional funding sources. CrowdProperty funds property professionals undertaking any sort of property project (including auction purchases and bridging), structuring the perfect funding product and doing so with greater speed, ease, certainty and expertise than anyone in the market. As property people providing property finance, we intimately understand the market needs.

Learn more about CrowdProperty.

The Sancus Group is a niche alternative financial services provider, offering a range of short to medium term asset backed lending solutions with particular specialism in bridging and development finance from £1m to £15m.

Sancus typically offers in one funding line, a combination of senior and stretch debt with greater flexibility than traditional finance providers.

The Group has offices in the UK, Ireland, Jersey, Guernsey, Gibraltar and the Isle of Man, staffed by highly experienced teams capable of handling a wide range of lending proposals, from straight-forward bridging and development finance to lending to more complex structures.

The Group has supplied over £1bn of funding to a range of sectors since its launch in 2013.

Borrowers include developers, construction specialists, SMEs and entrepreneurs that require fast access to bridging and development finance and secured lending.

The Sancus team are enthusiastic, act quickly and are very easy to deal with.

Learn more about The Sancus Group.

Hope Capital is one of the longest established and most experienced specialist bridging lenders in the UK. The Hope Capital team has extensive knowledge of property and bridging finance, with an average of over 20 years’ experience.

With a strong reputation for providing bridging finance solutions, even when others can’t, and delivering on-time. This means that even for those specialist or complex cases, we look at the application on its own merits and can take a view.

Communication is of upmost importance and brokers always have direct access to decision makers, underwriters and dedicated internal BDMs.

What sets Hope Capital apart is our common sense, collaborative and transparent approach, competitive product proposition and dedication to service excellence. We are completely transparent about all fees, interest rates and the process right from the outset.

Learn more about Hope Capital.

Cynergy Bank is a specialist bank that serves the needs of business owners, entrepreneurs and family businesses. We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their banking needs.

We put enduring relationships at the heart of what we do and provide a range of products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers

Cynergy Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits are protected up to a total of £85,000 by the UK FSCS.

Learn more about Cynergy.

Charterbank Capital is a privately owned and run Principal Lender of property finance specialising in small facilities ranging from £30,000 – £500,000. Decisions to lend are made quickly but with surety, often ‘stepping in’ when customers have been let down by their bank or other lenders. Underwriting is carried out in-house and based on simple, common sense principles. We value the relationships that we build with our customers and introducers old and new, and pride ourselves on providing a first class service, taking the time to understand the requirements, even when working to the shortest of deadlines.

As one of the South’s most progressive and proactive Lenders of short-term property finance we provide fast non-status facilities for all scenarios including: bridging, development, refurbishment and auction finance together with finance for farms & agricultural land throughout. Facilities are provided across the entire Southern half of the country.

Learn more about Charterbank Capital.

At Tuscan Capital, our perennial focus is on personalised customer service to ensure your funding experience with us is satisfying, rewarding and straightforward.

Combining old-fashioned lending standards with progressive commercial thinking, we are a new-generational provider of short-term bridging finance to the U.K. property sector.  

Our approach to doing business is simple: our transparent lending philosophy and understanding of introducers and borrowers serves one primary objective… REPEAT CUSTOM. 

With an HQ in central London and a regional office in Birmingham, our geographic reach includes all of England & Wales.

We welcome enquiries from brokers, advisers and real estate investors and professionals. As a non-regulated lender, we are unable to consider bridging finance applications from owner-occupiers. 

Working with Tuscan Capital, you’ll enjoy direct access to fully-mandated decision makers and a process free from the credit committee hassles so often encountered elsewhere in the bridging sector.

You’ll also be secure in the knowledge that our funding lines are real, substantial and available for immediate use.

Learn More about Tuscan Capital.

Unbranded Finance is a principal provider of rapid short-term finance solutions for businesses and property investors secured against any type of property throughout the United Kingdom.

Our decision makers are experienced property developers and investors: Our founders have nearly 40 years’ experience as direct property investors and developers between them, and importantly as borrowers themselves. They are directly responsible for loan origination, underwriting, execution, and risk management. This means we will have an in depth understanding of your proposal and your requirements extremely quickly, and we adopt a common sense approach to lending. Our USP is speed.

We lend our own capital: This means we make our own lending decisions and we have the capital available for your loan immediately and we use the same legal team for every transaction.

Learn more about Unbranded Finance.

Octane Capital has reinvented specialist finance. Its ‘product-less’ lending model has created unprecedented flexibility for brokers, while the experience of its senior team, who have lent billions over the past decade, is unrivalled in the market.

Uniquely, Octane works with brokers from a blank canvas to structure bespoke loans for their clients, rather than expect them to adjust to fixed criteria. It also prices according to risk rather than a restrictive LTV-based matrix.

Reflecting the appeal it holds with brokers, in its first two years alone Octane completed on more than £0.5bn of loans. Since launch it has also won several major awards, including the Bridging & Commercial Lender of the Year 2019.  

Learn more about Octane Capital.

Pluto Finance is a leading provider of finance for property developers and investors.

Our highly experienced team has lent over £1.5bn towards developments since 2011. We pride ourselves on building long-term relationships and providing a fast turnaround for our clients. Pluto Finance is backed by some of the world’s largest institutional investors. We have the ability to evaluate each development on its merits and understand that no two projects are the same. Our loans are tailor-made for each development.

Learn more about Pluto Finance.

inFund is an established finance provider that supports SMEs through the provision of flexible and affordable short-term credit via a multi-drawdown facility. Our unique approach to assessing your business means we can offer facilities attuned to the day-to-day activity of it, rather than focusing on outdated filed accounts and without penalising you for not having collateral for security. We understand the needs of SMEs and we cater for those needs.

Learn more about inFund.

Bibby Financial Services is one of the UK’s largest independent invoice finance companies and a trusted financial services partner to over 7,000 UK businesses. 

Our experience enables us to help businesses unlock working capital for a range of requirements, including cashflow funding, new equipment purchase, growth and expansion, overseas trade, refinancing, corporate restructuring, mergers and acquisitions. 

We also provide specialist finance for businesses in the construction and recruitment sectors and offer foreign exchange services for those trading overseas.

Rather than a ‘one-size-fits-all’ approach, our products and services are matched to your needs, ensuring that we provide the right funding support to you.

Our clients tell us that they value our relationship-based approach and the flexible, personal services we provide.

This is reflected in our client satisfaction rate of 86% and our 4.6 star ‘excellent’ TrustPilot rating. The business has also been awarded a place in ‘The Sunday Times 100 Best Companies to Work For’, nine times.

Learn more about Bibby Financial Services.

Hilltop Credit Partners is a property development finance provider dedicated to making access to funding easier for SME residential developers across the UK. 

We understand that developers need to be assessed on an individual basis and go the extra mile to ensure that many profitable projects that are overlooked by larger lenders get to see the light of day.

Led by a highly successful team with 360^o sector experience in real estate development, investment management and credit, Hilltop lends up to 75% LTGDV or 90% LTC on projects from £5m-£30m. 

Our extensive list of qualified private investors means we can also help developers looking for significant equity contributions, creating a one-stop service that saves you time, resources and peace of mind.

Hilltop is a partner of Round Hill Capital, a leading real estate investment manager with 230+ employees across 14 offices globally. We are relationship driven and totally exit focussed; a genuine funding partner whose interests are fully aligned with yours. 

Learn more about Hilltop Credit Partners.

Inksmoor understands the cash flow pressures of businesses and offer Flexible Invoice Finance and Secured Business Loans to support you. With Flexible Invoice Finance you can release the cash tied up in a single debtor, selected debtors or from the whole sales ledger. We can advance up to 80% of the money held in these invoices from day one of raising the invoice. Our Secured Business Loans are offered against Commercial, Residential, Industrial or Land alongside Plant and Machinery, meaning we can entrust working capital across a multitude of industries. Repayments can be made on an interest only or interest and capital basis. Inksmoor gives bespoke solutions to funding, allowing you can concentrate on your business.

Learn more about Inksmoor.