Blackfinch Property
The property lending arm of the Blackfinch group, deploying adviser-managed retail capital into development, bridging and commercial term loans of £500k to £20m across the whole UK.
What they do
Blackfinch Property lends from capital pooled within its own group rather than from a third-party wholesale line, which is unusual and means it is not dependent on a funder's appetite at the point of drawdown. Products cover development finance, bridging, commercial term loans and buy-to-let portfolio lending, from £500k to £20m, secured by a first charge on terms of up to thirty-six months. Lending covers England, Wales and Scotland, and the business passed £500m of cumulative lending in 2026.
Where they fit in a lower-mid-market raise
The £500k to £20m band covers a whole £3–15m property requirement rather than clipping its edges, and the combination of short-term development money and a commercial term loan means one lender can fund a project and then hold it. Being independently funded, the firm markets itself against the rigid criteria of institutionally-backed competitors, which is worth testing on a case that does not fit a grid.
Where they are not the fit
There is no published rate card, so pricing has to be quoted and compared. Terms cap at thirty-six months and a first charge is required. Sizing is by loan to value and cost throughout, so a trading business without property to pledge cannot borrow here.
Published terms
- Pricing
- No published Blackfinch-specific rate card. Positioned as a short-term/development specialist; market bridging rates 0.55%-1.5% pcm in 2026 with pricing driven by loan to value (sub-55-65% loan to value = better pricing).
- Speed to terms
- Not published
- Sponsored or sponsorless
- Corporate or property-professional borrowers: developers, experienced landlords, portfolio owners. Not a sponsor-LBO leverage lender; property-secured only
- Where they lend
- UK-wide - lends across all geographies including England, Wales and Scotland (Glasgow development loan completed 2026)
- How they decide
- Independent, fully-funded lender emphasising flexibility, personalised service and repeat business with borrowers and brokers; positions itself against 'rigid criteria restricting institutions'. Broker and direct channels
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
Blackfinch Property lends through 4 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Blackfinch Property lends, but which of these would own it.
Development finance
- Facility
- £500k to £20m
- Security
- First-charge secured on residential or commercial property; senior and stretched-senior positions; up to 75% loan to value and up to 85% loan-to-cost
- Funds
- Growth · Refinance
- Rules out
- Property security required; First charge required
Bridging loans
- Facility
- £500k to £20m
- Security
- First-charge secured on residential or commercial property; short-term; observed LTVs 35%-70%, up to 75% headline
- Funds
- Growth · Refinance
- Rules out
- Property security required; First charge required; Short-term or up to 36 month term
Commercial term loans
- Facility
- £500k to £20m
- Security
- First-charge secured on commercial or mixed residential-commercial property; term up to 36 months; up to 75% loan to value
- Funds
- Growth · Refinance
- Rules out
- Property security required; First charge required
BTL / buy-to-let portfolio asset-backed loans
- Facility
- £500k to £20m
- Security
- First-charge secured on residential BTL portfolios; up to 75% loan to value
- Funds
- Growth · Refinance
- Rules out
- Property security required; First charge required
How they sit against the category
- Its published ceiling is £20m; 35 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 4 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 Blackfinch Property write?
Published facilities run £500k to £20m. A band is what a lender states it will do, not what it will do on a given credit.
Where does Blackfinch Property lend?
UK-wide - lends across all geographies including England, Wales and Scotland (Glasgow development loan completed 2026).
What does Blackfinch Property lend?
The published product set is development finance, bridging loans, commercial term loans, btl / buy-to-let portfolio asset-backed loans. Published sector focus is assisted living, btl portfolio, buy-to-let, care homes, commercial.
On the record
2026: £ 4.9m development loan for 15 family homes, Glasgow.
2026: £ 8.8m bridging loan against a care home and assisted living facility, Blackburn.
2026: £ 2.1m development loan, Devon (convenience store, drive-through cafe, EV charging, business units.
May 2023: £ 20m commercial term / refinancing of 54-property mixed residential+commercial portfolio, East London (largest loan to date at the time.
April 2026: Passed £ 500m cumulative lending milestone.
Sources: blackfinchproperty.com
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.