Lowry Capital
A long-established own-book lender in Greater Manchester with a Glasgow office, writing bridging and development finance to around £4m across England, Scotland and Wales.
What they do
Lowry Capital originates and decides in house, funding loans behind a wholesale block line from Aldermore Bank. Products cover development finance and bridging for purchase, refurbishment and auction, with no upfront arrangement fees and no solicitor cost undertaking, and development funds drawn within about ten days. Case studies evidence facilities of £3.4m on a Fife office conversion and £3.2m on an Edinburgh scheme, alongside a dense cluster between £2m and £3m.
Where they fit in a lower-mid-market raise
Scotland is properly served here, with a dedicated office and Scottish legal panel, which puts this lender on a short list for a Scottish conversion or development scheme. Direct access to the decision-maker and no upfront fees make an early conversation cheap, and evidenced deals show the £3m to £4m range is real rather than aspirational.
Where they are not the fit
The ceiling of around £4m covers only the bottom of a £3–15m requirement. No rate card, leverage limits or fee schedule is published anywhere, so everything has to be quoted. Lending is business-purpose and unregulated, secured on UK real estate.
Published terms
- Pricing
- No loan to value/loan to gross development value/LTC or rate card on any accessible page. No upfront arrangement fees, no solicitor cost undertaking; development funds drawn within ~10 days
- Speed to terms
- Fast execution cited (funds within ~10 days); no published published timetable
- Sponsored or sponsorless
- Lends to companies/SPVs and property developers/investors as well as individuals (both routes on the application forms); asset/loan to value-led, not EBITDA/cash-flow-led
- Where they lend
- England, Scotland and Wales. HQ Cheadle Hulme (Greater Manchester) + Glasgow office; dedicated Scotland site. Deals evidenced in England (Bath, Rutland) and Scotland (Glasgow, Ayrshire, Loch Lomond, Helensburgh)
- How they decide
- Own-book principal, direct-to-decision-maker; origination decisioned in-house and funded behind an Aldermore wholesale/block line. Company + individual application routes. Authority is delegated below committee on at least part of the book
- 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
Lowry 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 Lowry Capital lends, but which of these would own it.
Development finance
- Facility
- £25k to £4m
- Security
- First legal charge; interest-only during the build with multiple tranche drawdowns; no upfront arrangement fee, no solicitor cost undertaking; funds drawn within ~10 days. Published loan to value/loan to gross development value/LTC and rate card not disclosed on public pages
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
Bridging / purchase / refurbishment / auction
- Facility
- £25k to £4m
- Security
- First charge over residential, semi-commercial and commercial property (HMOs, conversions, offices, industrial, barn/farm conversions, holiday lets, listed buildings); short-term. Pricing/loan to value not published
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
How they sit against the category
- Its published ceiling is £4m; 72 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.
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 Lowry Capital write?
Published facilities reach £4m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Lowry Capital move?
Fast execution cited (funds within ~10 days); no published published timetable. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Lowry Capital lend to search funds or ETA buyers?
Not on the published evidence. Lowry Capital 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.
Sources
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.