Atelier Finance
A development and bridging lender majority-owned by M&G, funding £3m to £40m with an institutional credit process and a demonstrated nineteen working days from terms to completion.
What they do
Atelier lends to professional property developers across England and Wales, funded by institutional lines with M&G as majority shareholder and a further partnership agreed with Waterfall Asset Management in 2025. Development and bridging facilities run from £3m to £40m, historically quoted from around nine per cent fixed at conservative leverage or five per cent over base on a variable basis. Credit is run by an in-house team rather than referred to funders, and a £32.7m student accommodation facility completed in nineteen working days. Urban regeneration and brownfield schemes are a stated focus.
Where they fit in a lower-mid-market raise
A £3–15m development requirement is squarely inside the published band, evidenced by completions at £5m in London and £12.5m in Derbyshire. Institutional funding behind an in-house credit team is the combination that produces both certainty and speed, and it matters most on a scheme where the land purchase and the build have to be funded to a fixed programme.
Where they are not the fit
This is property project lending, not corporate finance: there is nothing here for a business borrowing against trading cashflow. Terms run three to thirty-six months, so the facility has to be refinanced or repaid from sales. Current pricing is not published on the live site and must be quoted.
Published terms
- Pricing
- Historic (Nov-2022 refresh) fixed-rate options from 8.99% and 9.49% at 55%/60% loan to value/loan to gross development value; variable from BBR+5% (then ~8%); current rates not published on the live site
- Speed to terms
- Not published
- Sponsored or sponsorless
- Lends to professional property developers and SME property companies (developer/project counterparties), not general trading corporates
- Where they lend
- UK-wide; professional property developers across England and Wales; focus on urban regeneration and brownfield schemes
- How they decide
- Institutional-grade credit process with in-house credit team; markets speed and agility - e.g. a £32.7m PBSA facility completed in 19 working days
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
Atelier Finance lends through 2 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Atelier Finance lends, but which of these would own it.
Development finance
- Facility
- £3m to £15m
- Security
- Secured on property; up to 90% LTC or 70% loan to gross development value
- Funds
- Growth · Refinance
- Rules out
- Property security required; Published band runs £3m-£40m; top-end tickets to £40m run above the £3-15m LMM band; Developer/property-project lending, not general corporate cash-flow
Bridging finance
- Facility
- £3m to £15m
- Security
- Secured on property; short-term acquisition, planning-gain and developer-exit bridging; historic max loan raised to £17.5m
- Funds
- Growth · Refinance
- Rules out
- Property security required; Short-term (3-36 month) property finance only
Limits that apply across the firm
Stated limits, taken from Atelier Finance’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 unsecured lending
How they sit against the category
- Its published ceiling is £15m; 42 of the 75 property-backed lenders here go at least as high.
- It starts higher than all but 8 of them, at £3m.
- 65 of the 75 publish an indicative price at all; it is one of them.
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 Atelier Finance write?
Published facilities run £3m to £15m. A band is what a lender states it will do, not what it will do on a given credit.
Where does Atelier Finance lend?
UK-wide; professional property developers across England and Wales; focus on urban regeneration and brownfield schemes.
What does Atelier Finance lend?
The published product set is development finance, bridging finance. Published sector focus is build to rent, care, pbsa, property, real estate.
On the record
2025: £32.7m loan to MCR Property Group for refurbishment of Parham Student Village PBSA, Canterbury (15-month term, completed in 19 working days.
2025: £30.8m development loan to Torsion Group for 205-studio PBSA scheme in Leeds (for Oct-2026 academic intake.
2025: £12.5m residential development loan to Stancliffe Homes for 37 new homes in Derbyshire (day-one advance for land.
2025: £5m development loan for a brownfield scheme in London.
2025: over £84m of combined PBSA and residential lending completed.
Sources: atelierfinance.co.uk · 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.