Oblix Capital
A London-focused principal lending development and bridging finance against single-asset property security, with completions evidenced from eight days to six weeks.
What they do
Oblix Capital lends against UK property, chiefly in London and the South East, funded by bank lines including a facility from NatWest alongside its own balance sheet. Products cover ground-up development, refurbishment, bridging and development exit, secured on a single asset rather than a portfolio. Execution is quick where the case is clean: a £630k residential bridge completed in eight days, a £13.5m Croydon development was underwritten and completed in about six weeks, and a £2.21m development exit took four.
Where they fit in a lower-mid-market raise
Facility sizes reaching into the low double-digit millions cover a whole £3–15m property requirement, and the Croydon transaction shows the lender can execute at that size within a normal deal timetable. London and the South East are where the book is concentrated and where the team's knowledge of values is deepest.
Where they are not the fit
No current rate card is published and the pricing available publicly is stale, so terms have to be quoted. Most completion publicity dates from several years ago, so current appetite is worth confirming directly. Lending is single-asset property security only, with no corporate or cashflow product.
Published terms
- Pricing
- No current published rate card. Historic (2018-19) development pricing quoted as 'margin applicable to loan to value plus three-month LIBOR' - now stale (LIBOR discontinued). Bridging historically fixed-rate
- Speed to terms
- Fast: £630k residential bridge completed in 8 days from application; £13.5m Croydon development underwritten and completed in ~6 weeks; £2.21m development-exit bridge in 4 weeks
- Sponsored or sponsorless
- Property developer or investor borrowers against real-estate security; not a corporate or sponsor cash-flow lender
- Where they lend
- UK property, strong London or South East focus (Chelsea, Croydon, Berkshire, Haywards Heath deals evidenced)
- How they decide
- Principal lender underwriting against own funding lines; borrower-centric fast execution marketed. Full credit process not published
- 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
Oblix 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 Oblix Capital lends, but which of these would own it.
Development finance
- Facility
- up to £14m
- Security
- First charge over UK development site; up to 100% of build costs, up to 70% loan to gross development value
- Funds
- Growth
- Rules out
- UK property only; Single-asset property security; No corporate/cash-flow lending; London or South East focus
Bridging finance (incl. refurbishment and development exit)
- Facility
- £50k to £5m
- Security
- First charge over UK residential, commercial or semi-commercial property
- Funds
- Refinance
- Rules out
- UK property only; Single-asset property security; No corporate/cash-flow lending
Limits that apply across the firm
Stated limits, taken from Oblix Capital’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No appetite in no corporate
How they sit against the category
- Its published ceiling is £14m; 43 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 Oblix Capital write?
Published facilities reach £14m, 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 Oblix Capital move?
Fast: £630k residential bridge completed in 8 days from application; £13.5m Croydon development underwritten and completed in ~6 weeks; £2.21m development-exit bridge in 4 weeks. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Oblix Capital lend to search funds or ETA buyers?
Not on the published evidence. Oblix 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.