Quantum Development Finance
An AB CarVal-backed principal lending £1m to £30m of development and bridging finance to small and medium housebuilders in England and Wales, with a North West push.
What they do
Quantum Development Finance was incorporated in 2023 and lends behind a forward-flow line from AB CarVal intended to support around £2bn of deployment into small housebuilding over five years. Facilities run from £1m to £30m across development and bridging, with every deal assigned a named lending director and portfolio manager so the borrower deals with decision-makers throughout. The firm has committed £60m specifically to North West projects, with schemes in Manchester and Cumbria alongside national activity.
Where they fit in a lower-mid-market raise
A lender with committed institutional capacity and a mandate to deploy it is an active buyer of good schemes, which shows up as speed and appetite. The range covers a whole £3–15m development requirement, and the regional commitment in the North West is real money rather than a marketing statement.
Where they are not the fit
Lending is England and Wales only, with no Scotland or Northern Ireland. Primary residences are excluded, and the security is the scheme rather than the borrower's trading position. The business is young, so its track record through a downturn is untested. Note that a similarly-named buy-to-let lender is a different company.
Published terms
- Pricing
- Not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- Corporate/developer borrower focus - SME housebuilders and property developers/investors. Not a sponsor-LBO lender; property-secured development and bridging finance
- Where they lend
- England & Wales only (no Scotland or Northern Ireland). Active nationally within E&W with a stated North West regional push (£60m committed to NW projects; schemes in Manchester, Cumbria, north Cheshire)
- How they decide
- Borrower deals directly with decision-makers; Marketed on 'fast and transparent decision-making'. Exact speed-to-offer not published
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
Quantum Development Finance 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 Quantum Development Finance lends, but which of these would own it.
Development finance
- Facility
- £1m to £30m
- Security
- First-charge property; up to 70% loan to gross development value and up to 90% LTC
- Funds
- Growth · Refinance
- Rules out
- England & Wales only (no Scotland/Northern Ireland); Primary residence
Bridging finance
- Facility
- £1m to £30m
- Security
- First-charge property; up to 75% loan to value (site acquisition, value enhancement, equity release, capital raising against unencumbered assets)
- Funds
- Acquisition · Growth · Refinance
- Rules out
- England & Wales only (no Scotland/Northern Ireland)
How they sit against the category
- Its published ceiling is £30m; 22 of the 75 property-backed lenders here go at least as high.
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 Quantum Development Finance write?
Published facilities run £1m to £30m. A band is what a lender states it will do, not what it will do on a given credit.
Where does Quantum Development Finance lend?
England & Wales only (no Scotland or Northern Ireland). Active nationally within E&W with a stated North West regional push (£60m committed to NW projects; schemes in Manchester, Cumbria, north Cheshire).
What does Quantum Development Finance lend?
The published product set is development finance, bridging finance. Published sector focus is land-acquisition, mixed-use, residential-development, retirement-living, social-housing.
On the record
April 2024: £9m acquisition & development facility, Fairford, Cotswolds (17 new-build homes + 7-unit conversion), arranged with SPF Private Clients (source: spf.co.uk.
2024: £60m committed to North West residential projects; six schemes across Manchester, Cumbria and north Cheshire (source: placenorthwest.co.uk.
Sources: quantumdf.com
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.