CapitalRise
A prime property lender writing £1m to £20m of bridging, development and sales-period finance in London, the Home Counties and selected premium markets, from 0.83 per cent a month.
What they do
CapitalRise funds prime residential and mixed-use property through a hybrid of retail platform investors and institutional lines, including a £30m bridging facility from a clearing bank. Products cover bridging from 0.83 per cent a month, development finance, refurbishment and sales-period finance for completed schemes still selling. Indicative heads of terms arrive within 48 hours, and the platform is highly selective: roughly two applications in a hundred reach completion, with every case going to credit committee and a developer track record treated as a hard test.
Where they fit in a lower-mid-market raise
Prime central London, outer London and the Home Counties are the core, with the Cotswolds, Bath, Ascot and comparable markets added selectively. For a high-value residential scheme in those places, this is a specialist that understands prime pricing and sales rates rather than applying a national average. Sales-period finance is a useful product where units are moving slowly and development debt is expensive.
Where they are not the fit
Geography is narrow and appetite outside the prime corridor is limited. The selection rate means an approach without a track record and a prime asset is unlikely to progress. Development pricing is not published separately, and everything is secured on property rather than on a trading business.
Published terms
- Pricing
- From 0.83% per month (approx. 9.96% p.a.) for bridging; development rates not published separately. Pricing is negotiated and not fully disclosed publicly
- Speed to terms
- Indicative heads of terms in 48 hours; full credit and legal process timeline not published
- Sponsored or sponsorless
- Lends to experienced property developers and professional intermediaries; no corporate (non-property) lending. Sponsor/private equity-backed structures not referenced
- Where they lend
- Primary focus: Prime Central London, Outer London and Home Counties. Expanding into Cotswolds, Bath, Beaconsfield, Ascot and select premium UK regional markets. As of June 2025, 64% of recent loans were outside London.
- How they decide
- Indicative heads of terms within 48 hours. Highly selective: only ~2% of applications progress to completion. Credit committee review required; experienced developer track record is a hard gate
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
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
CapitalRise 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 CapitalRise lends, but which of these would own it.
Bridging finance
- Facility
- £1m to £20m
- Security
- First charge over prime residential, commercial or mixed-use property in London and the South East; clear exit strategy required
- Funds
- Acquisition · Refinance
- Rules out
- Prime property security required; Experienced developer track record required; Concentration in London, South East and select premium UK locations; limited appetite outside these areas; Only ~2% of applications advance to completion
Development finance
- Facility
- £1m to £20m
- Security
- First charge over prime development site; senior, stretched senior, mezzanine and preferred equity capital stack options available; up to 90% loan-to-cost and 75% loan to gross development value
- Funds
- Acquisition · Growth
- Rules out
- Prime property security required; Experienced developer track record required; Concentration in London, South East and select premium UK locations; Only ~2% of applications advance to completion
Sales period finance
- Facility
- £1m to £20m
- Security
- First charge over completed prime residential or commercial stock awaiting sale; clear exit strategy required
- Funds
- Refinance
- Rules out
- Prime property security required; Concentration in London, South East and select premium UK locations
Refurbishment finance
- Facility
- £1m to £20m
- Security
- First charge over prime property undergoing refurbishment works
- Funds
- Growth · Refinance
- Rules out
- Prime property security required; Concentration in London, South East and select premium UK locations
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 CapitalRise write?
Published facilities run £1m to £20m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does CapitalRise move?
Indicative heads of terms in 48 hours; full credit and legal process timeline not published. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does CapitalRise lend to search funds or ETA buyers?
Not on the published evidence. CapitalRise publishes no route for search-fund or first-time acquirer borrowers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
On the record
2025: £8.7m senior development loan, St George's Hill, Weybridge.
2025: £8m sales bridge loan, Wentworth Estate.
2025: £6.7m finish and exit loan, airspace development, Chelsea.
2024: Dec: Development funding for Hammersmith aparthotel (size undisclosed.
2025: Stabilisation finance for assisted living portfolio (size undisclosed.
Sources: capitalrise.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.