Cohort Capital
A Park Lane principal lending its own private capital against prime UK real estate, from £1m to £100m, with completions measured in days rather than weeks.
What they do
Cohort Capital lends from the private capital of its own principals with no external funding lines, which is what allows it to commit and complete unusually quickly: a £70m acquisition loan in eleven days, £3.82m in ten, and an average turnaround just under a fortnight. Commercial and residential bridging is priced from 0.75 per cent a month at up to 75 per cent loan to value over terms to thirty-six months, with a separate residential product from 0.79 per cent at lower leverage. The book is concentrated in prime central London, with lending across England, Wales and Scotland.
Where they fit in a lower-mid-market raise
Where a transaction has to close on a fixed date and the sum is large, a lender with no credit committee behind a funder is a different proposition from a broker-fronted one. This is the counterparty for a prime asset purchase, a complex ownership structure, or a deal that another lender has failed to complete, and the range reaches far above what most bridging lenders will hold.
Where they are not the fit
Lending is business-purpose and unregulated only, secured on real estate rather than on trading cashflow. Scotland is excluded on the residential product, and the book concentrates heavily in prime London, so a secondary regional asset is a harder case. Pricing above the headline is set case by case.
Published terms
- Pricing
- Commercial/broader book from 0.75% pm (up to circa 75% loan to value, terms to 36 months). Residential bridging product from 0.79% pm at lower leverage (up to 70% loan to value, 18-month term). Serviced or rolled-up interest.
- Speed to terms
- States average turnaround just under two weeks enquiry-to-completion. Evidenced fast executions: £3.82m in 10 days (Jul 2025), £70m acquisition loan in 11 days, £18.2m completed over a single weekend (approx 48 hours, Sep 2024)
- Sponsored or sponsorless
- Lends to companies, SPVs, developers, HNW/family-office borrowers and hotel/hospitality operators on real-estate security. Not a trading-business cash-flow lender; underwrite is asset/security-led, not EBITDA-led
- Where they lend
- England, Wales and Scotland; heavily concentrated in Prime Central London (Mayfair, Belgravia, Soho, South Kensington, Holland Park, Hyde Park). Residential bridging product marketed as key cities/regional hubs in England and Wales.
- How they decide
- Principal-led decision-making by the firm's own capital/principals rather than a lengthy external credit committee; markets speed and certainty from a single balance sheet. Delegated authority effectively in-house. Authority is delegated below committee on at least part of the book
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
Cohort Capital 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 Cohort Capital lends, but which of these would own it.
Bridging / short-term commercial and residential property finance
- Facility
- £1m to £100m
- Security
- First-charge (and where structured, further-charge) bridging secured against UK real estate. loan to value up to circa 75% (broker listings cite up to 75%; evidenced deals at 72%). Terms typically 12 to 36 months. Serviced or rolled-up interest.
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Business-purpose/unregulated only; Real-estate security required (not trading-business cashflow)
Unregulated residential bridging (prime London / experienced investors)
- Facility
- £1m to £5.5m
- Security
- Unregulated residential bridging for seasoned investors/developers via UK SPVs and offshore entities. loan to value up to 70%; terms up to 18 months; serviced or rolled-up interest; pricing from 0.79% pm at lower leverage.
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Scotland excluded on the residential product; Real-estate security required
How they sit against the category
- Its published ceiling of £100m is among the 5 highest of the 75 property-backed lenders here.
- 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 Cohort Capital write?
Published facilities run £1m to £100m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Cohort Capital move?
States average turnaround just under two weeks enquiry-to-completion. Evidenced fast executions: £3.82m in 10 days (Jul 2025), £70m acquisition loan in 11 days, £18.2m completed over a single weekend (approx 48 hours, Sep 2024). Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Where does Cohort Capital lend?
England, Wales and Scotland; heavily concentrated in Prime Central London (Mayfair, Belgravia, Soho, South Kensington, Holland Park, Hyde Park). Residential bridging product marketed as key cities/regional hubs in England and Wales.
On the record
August 2026: £20m senior 24-month bridge refinancing a private-bank loan on a Soho serviced-apartment building, 37 Golden Square.
February 2026: £20m Mayfair bridge refinancing a private-bank facility for a long-standing HNW client.
2024: £348m London hotel loan provided alongside King Street Capital Management and Apollo.
May 2025: residential bridging product launch, £6.65m debut across two Prime Central London deals (£2.79m equity release, £3.86m South Kensington townhouse via BVI SPV.
July 2025: £3.82m bridge in 10 days on a London commercial asset with consent for 42 residential units (72% LTV.
Sources: cohortcapital.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.