Octane Capital
A bespoke bridging and development lender, now inside the Aldermore group, writing £150k to £25m case by case with no product sheet and credit-backed terms in about two hours.
What they do
Octane Capital deliberately publishes no rate card and no criteria grid: every case is structured individually, which is how it accommodates adverse credit, foreign nationals and offshore or trust structures that a scored process would decline. Bridging starts around 0.73 per cent a month, with development exit above £2m cut to 0.69 per cent after Aldermore acquired the business in 2026, and refurbishment structures from as little as 0.35 per cent over base. Credit-backed agreement in principle takes about two hours and underwriting around 48, with an £8.2m bridge completed in four weeks.
Where they fit in a lower-mid-market raise
The absence of a product sheet is the product. Where a borrower's situation is unusual, an offshore holding structure, a complex title, a director with a history, this lender starts from the transaction rather than from a checklist. Bank ownership has since improved pricing without changing the approach, and lending covers Scotland as well as England and Wales.
Where they are not the fit
Regulated and owner-occupier lending is excluded, and security must be property. There is no published pricing to compare against, so every quote has to be competed. Facilities at the top of the range are bridging and development rather than term money, so the exit still has to be arranged separately.
Published terms
- Pricing
- Bridging from ~0.73%/mo; post-Aldermore (Mar 2026) developer-exit >£2m cut to 0.69%/mo plus fixed-rate options and free AVMs; refurb ~0.60-0.95%/mo (some structures 0.35%/mo + BBR); BTL ~5.99-9.50% p.a.; typical 2% arrangement fee, no exit .
- Speed to terms
- ~2h to credit-backed AIP; ~48h to underwrite; ~4 weeks to completion on an £8.2m bridge (own case study)
- Sponsored or sponsorless
- Neither - property investor/developer borrowers (individuals + SPV/limited company), not private-equity sponsored trading corporates
- Where they lend
- England, Wales and Scotland; HQ West Hampstead, London
- How they decide
- Bespoke case-by-case underwriting, no rate card or no product sheet; intermediary-only distribution; credit-backed AIP ~2h, underwrite ~48h; now within Aldermore group. 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
Octane Capital lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Octane Capital lends, but which of these would own it.
Bridging loan (unregulated resi / semi-commercial / commercial)
- Facility
- £175k to £15m
- Security
- Fixed charge
- Funds
- Growth · Refinance
- Rules out
- Regulated/owner-occupier loans; Non-property security
Refurbishment bridging (light/heavy, staged)
- Facility
- £150k to £5m
- Security
- Fixed charge
- Funds
- Growth · Refinance
- Rules out
- Regulated loans
Development finance (ground-up)
- Facility
- £1m to £25m
- Security
- Fixed charge
- Funds
- Growth
- Rules out
- Regulated loans
How they sit against the category
- Its published ceiling is £25m; 27 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 3 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 Octane Capital write?
Published facilities reach £25m, 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 Octane Capital move?
~2h to credit-backed AIP; ~48h to underwrite; ~4 weeks to completion on an £8.2m bridge (own case study). Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Octane Capital lend to search funds or ETA buyers?
Not on the published evidence. Octane 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.
On the record
2024: lent over £250m in the year (Bridging & Commercial.
March 2026: post-acquisition bridging overhaul — dev-exit >£2m to 0.69%/mo, fixed rates, free AVMs (Dealroom.
September 2025: surpassed £2bn cumulative lending since 2017 launch, >£30m broker commission paid (own site.
Sources: octanecapital.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.