Acre Lane Capital
A development exit and bridging lender writing £300k to £10m in England and Wales, with indicative terms inside 24 hours and published rates from 0.70 per cent a month.
What they do
Acre Lane Capital lends against property through an institutionally funded vehicle backed by offshore hedge fund capital. Its products cover development exit from 8.5 per cent a year with no exit fee, bridging and refurbishment from 0.74 per cent a month, and ground-up and part-complete development from 0.88 per cent. One originator runs each case from first call to completion without internal handovers, which is how the firm gets to indicative terms within a day and completions from two weeks. Lending is limited to England and Wales.
Where they fit in a lower-mid-market raise
Development exit is the sharpest use: a scheme that is finished or nearly finished, sitting on expensive construction debt while units sell, refinanced onto cheaper money with no exit fee. For a corporate borrower holding property alongside a trading business, the speed matters most where a purchase has a deadline and the alternative is losing the asset.
Where they are not the fit
Scotland and Northern Ireland are outside the lending area, and regulated owner-occupier mortgages are not offered. Everything is secured on property, so a trading business without real estate has nothing to borrow against here. Published ceilings differ between the firm's own site and broker directories, so capacity above £10m should be confirmed.
Published terms
- Pricing
- Dev exit from 8.5% pa (0.70%/mo); bridging/refurb from 0.74%/mo (c.8.9% pa); ground-up/PCD from 0.88%/mo (c.10.6% pa). No exit fees on dev-exit product. Confirmed published rates March 2025
- Speed to terms
- Indicative terms 24 hours; completions from 2 weeks (dev exit). £360k dev exit completed in 3 business days post-legal-searches (Apr 2025). £2.5m completed in under 6 weeks
- Sponsored or sponsorless
- Corporate/direct developer. No private equity/sponsor-backed preference noted. Targets SME property developers and investors directly or via brokers
- Where they lend
- England and Wales only. Non-regulated lending. Case studies: Buckinghamshire, Hertfordshire, South West London, South East London, Somerset, Exeter, Oxfordshire
- How they decide
- Cradle-to-grave model: originator handles underwriting, no internal hand-offs. Indicative terms within 24 hours. Direct access to decision-makers. KYC/AML via Nivo online platform. Legal progress tracked via client portal
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Acre Lane Capital lends through 5 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Acre Lane Capital lends, but which of these would own it.
Development exit loan
- Facility
- £500k to £10m
- Security
- First-charge property
- Funds
- Refinance
- Rules out
- Regulated mortgages; Northern Ireland
Bridging loan
- Facility
- £300k to £10m
- Security
- First-charge property
- Funds
- Acquisition · Refinance
- Rules out
- Regulated mortgages; Northern Ireland
Ground-up development loan
- Facility
- £300k to £10m
- Security
- First-charge property
- Funds
- Growth
- Rules out
- Regulated mortgages; Northern Ireland
Refurbishment loan
- Facility
- £300k to £10m
- Security
- First-charge property
- Funds
- Growth · Refinance
- Rules out
- Regulated mortgages; Northern Ireland
Part-complete development (PCD) loan
- Facility
- £300k to £10m
- Security
- First-charge property
- Funds
- Growth · Refinance · Turnaround
- Rules out
- Regulated mortgages; Northern Ireland
Limits that apply across the firm
Stated limits, taken from Acre Lane Capital’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No appetite in northern ireland or scotland
How they sit against the category
- Its published ceiling is £10m; 54 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 5 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Acre Lane Capital write?
Published facilities run £300k to £10m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Acre Lane Capital move?
Indicative terms 24 hours; completions from 2 weeks (dev exit). £360k dev exit completed in 3 business days post-legal-searches (Apr 2025). £2.5m completed in under 6 weeks. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Where does Acre Lane Capital lend?
England and Wales only. Non-regulated lending. Case studies: Buckinghamshire, Hertfordshire, South West London, South East London, Somerset, Exeter, Oxfordshire.
On the record
2024: £7m dev-exit loan at 75% LTV, newly completed residential scheme, Buckinghamshire (bridgingloandirectory.co.uk.
2024: £2.6m facility (refi + £700k staged refurb drawdown + £400k equity release), 65% LTV, 8-unit residential, South West London (propertyreporter.co.uk.
2024: £100m cumulative loan book achieved; £70m lent in 2024 (acrelanecapital.com.
March 2025: dev-exit product launch for SME developers, from £500k–£10m, 75% LTV (theintermediary.co.uk.
April 2025: £360k dev-exit bridge, refurbished residential, Hertfordshire, 3 business days (theintermediary.co.uk.
Sources: acrelanecapital.com · bridgingloandirectory.co.uk
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.