LND Capital
A technology-enabled non-bank lender writing senior commercial real estate loans of £2m to £30m, funded by a £200m bank warehouse and a £450m forward-flow agreement.
What they do
LND lends its own book against UK commercial real estate across offices, industrial, retail, leisure and residential, on fixed or floating terms. Funding comes from a warehouse line of around £200m provided by a global bank in 2025 and an institutional forward-flow agreement of roughly £450m, with loan servicing outsourced to CBRE. An automated origination platform prices applications at scale, which the firm positions as its speed advantage over bank processes.
Where they fit in a lower-mid-market raise
The £2m to £30m range covers a £3–15m property requirement comfortably, and a lender with committed institutional funding behind it can commit with certainty rather than subject to a raise. For a borrower whose main frustration with banks is time to answer, an automated pricing platform with a human credit team behind it is a meaningfully different experience.
Where they are not the fit
Lending is limited to UK commercial real estate on a loan-to-value basis, so a trading company borrowing against earnings has no route here. Pricing is not published and no service level is stated, so both need establishing directly. Be careful with entity identity: a similarly-named company at Companies House is unrelated.
Published terms
- Pricing
- LND offers fixed-rate and floating-rate CRE loans; margins/rates not disclosed on the public site or in press. UK Investor Magazine notes ~£6m of fees generated over the 2-3yr life of the first £200m deployed (implies ~1% p.a.
- Speed to terms
- Not published
- Sponsored or sponsorless
- Both. Lends to small- and mid-cap CRE borrowers/investors and property companies on an asset-backed basis; not sponsor-gated
- Where they lend
- UK-wide. Company describes 'throughout the UK' and 'across the UK'; some marketing references UK and Europe as the addressable market, but lending activity to date is UK CRE. No published Scotland exclusion
- How they decide
- Tech-driven origination platform ('CoBOS' automation partnership) that analyses and prices loan applications at scale (stated ~£358m applications priced/month); CBRE Loan Services handles servicing
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
LND 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 LND Capital lends, but which of these would own it.
Commercial real estate senior loan (floating rate)
- Facility
- £2m to £30m
- Security
- Senior secured against UK commercial real estate (first-charge mortgage over the asset). loan to value not published
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK commercial real estate only; Asset-backed lending (loan to value-driven, not cash-flow/EBITDA)
Commercial real estate senior loan (fixed rate)
- Facility
- £2m to £30m
- Security
- Senior secured against UK commercial real estate. LND markets two loan products (fixed and floating rate); loan to value not published
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK commercial real estate only; Asset-backed lending (loan to value-driven, not cash-flow/EBITDA)
How they sit against the category
- Its published ceiling is £30m; 22 of the 75 property-backed lenders here go at least as high.
- It starts higher than all but 11 of them, at £2m.
- 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 LND Capital write?
Published facilities run £2m to £30m. A band is what a lender states it will do, not what it will do on a given credit.
Where does LND Capital lend?
UK-wide. Company describes 'throughout the UK' and 'across the UK'; some marketing references UK and Europe as the addressable market, but lending activity to date is UK CRE. No published Scotland exclusion.
What does LND Capital lend?
The published product set is commercial real estate senior loan. Published sector focus is industrial, leisure, office, residential, retail.
On the record
November 2025: ~£200m funding line secured from a UK-based global bank.
Sources: alternativecreditinvestor.com · bridgingandcommercial.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.