Reditum Capital
A boutique principal writing bridging, development and mezzanine finance from £500k to around £10m at up to 80 per cent loan to value, marketing a guaranteed five-day completion.
What they do
Reditum Capital lends its own and co-investment capital alongside an institutional facility, and will also structure joint ventures alongside senior lenders. Bridging is advertised from 0.67 per cent a month over terms of six to twenty-four months, with development and mezzanine priced deal by deal, at leverage up to 80 per cent. Origination runs through a broker network of around eighty firms, with direct access to senior decision-makers and a marketed guarantee of completion within five working days. Evidenced deals include a £10m Newcastle bridge completed in two weeks.
Where they fit in a lower-mid-market raise
Eighty per cent leverage is high for a bridging lender and reduces the equity a borrower has to find, and the mezzanine capability means the gap between senior debt and equity can be filled by the same house. Coverage extends across England, Wales and Scotland.
Where they are not the fit
The flagship named transactions date from 2020 and 2021 with no named 2025 or 2026 deal in public, so current activity is worth confirming. Regulated lending on a primary residence is excluded. Development and mezzanine pricing is not published, and at 80 per cent leverage the cost reflects the risk.
Published terms
- Pricing
- Bridging rates advertised from 0.67% per month; terms 6-24 months. Development/mezz priced deal-by-deal (no rate card published)
- Speed to terms
- Not published
- Sponsored or sponsorless
- Lends to property professionals, developers and entrepreneurs on an asset-secured basis; often co-invests or partners as JV alongside senior lenders. Not a sponsor-LBO EBITDA lender
- Where they lend
- UK-wide (England, Wales, Scotland - evidenced deals in Newcastle and South Ayrshire); the wider Reditum Capital book also funds Europe and beyond, but the Reditum Lending bridging division is UK-focused
- How they decide
- Deal-by-deal underwriting with direct access to senior decision-makers; markets a guaranteed five-working-day completion. Originates via an ~80-strong broker network (including. VIBE Finance, DRM Capital) alongside direct/principal deals
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
Reditum 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 Reditum Capital lends, but which of these would own it.
Bridging finance
- Facility
- £500k to £10m
- Security
- First-charge property; up to 80% loan to value for experienced borrowers with good-quality assets (against a 180-day valuation); big-ticket considered deal-by-deal
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Regulated or primary residence (short-term commercial-purpose lending)
Development finance
- Facility
- £500k to £10m
- Security
- First-charge property; development or land funding, structured deal-by-deal, often as a JV alongside senior debt
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Regulated or primary residence
Mezzanine finance
- Facility
- £500k to £10m
- Security
- Second-charge or mezzanine top-up behind senior debt; evidenced up to 90% loan to value on selected deals; co-investment equity also offered
- Funds
- Acquisition · Growth
- Rules out
- Regulated or primary residence
How they sit against the category
- Its published ceiling is £10m; 54 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 Reditum Capital write?
Published facilities run £500k to £10m. A band is what a lender states it will do, not what it will do on a given credit.
Where does Reditum Capital lend?
UK-wide (England, Wales, Scotland - evidenced deals in Newcastle and South Ayrshire); the wider Reditum Capital book also funds Europe and beyond, but the Reditum Lending bridging division is UK-focused.
What does Reditum Capital lend?
The published product set is bridging finance, development finance, mezzanine finance. Published sector focus is commercial, land, residential, residential-development.
On the record
February 2021: £10.8m bridging facility to Allanvale Land Investments for the 750-home Corton site, South Ayrshire (source: scottishhousingnews.com.
May 2020: £10m (~€11.2m) bridging facility to The High Street Group for the Strawberry Place residential development, Newcastle (source: reditumcapital.com / europe-re.com.
Sources: reditumcapital.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.