Reim Capital
A funder-backed bridging lender in England and Wales writing £100k to £25m, with an agreement in principle in a day, credit-backed terms in two, and completions in four to ten working days.
What they do
Reim Capital lends through several private and debt-fund funding lines with committed capital, so no separate funder sign-off is needed once terms are issued. Products cover residential, semi-commercial, commercial, second-charge and refurbishment bridging, with refurbishment priced from 0.85 per cent a month and other lines quoted case by case. An agreement in principle takes 24 hours and credit-backed terms 48, with recent transactions completing in four to ten working days.
Where they fit in a lower-mid-market raise
Committed capital behind fast terms is what makes a short completion credible rather than aspirational, and this lender publishes the timetable it works to. The core operating range covers a £3–15m property requirement, and second charges are available where a first-charge lender is already in place and will not be refinanced.
Where they are not the fit
Lending is England and Wales only, with property security required in every case. Second charges cap at £1m, and refurbishment is limited to light works costing no more than a quarter of day-one value. Published ranges differ between the firm's own site and third-party directories, so the operative limits should be confirmed.
Published terms
- Pricing
- Bridging: not publicly published (negotiated case by case). Refurbishment product: from 0.85%/month (85 bps/month). Development finance: not published
- Speed to terms
- AIP 24 hours; credit-backed terms 48 hours; recent deals completed in 4-10 working days
- Sponsored or sponsorless
- Predominantly direct-corporate and SPV borrowers; supports limited companies, offshore SPVs, and non-UK residents. No explicit sponsor-backed language
- Where they lend
- England and Wales only. Confirmed Midlands, London, Worcester transactions
- How they decide
- AIP within 24 hours; credit-backed terms within 48 hours. No separate funding-line sign-off required (committed capital). No named credit committee disclosed
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
Reim Capital lends through 5 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Reim Capital lends, but which of these would own it.
Residential bridging loan
- Facility
- £100k to £25m
- Security
- First charge against UK residential property; up to 75% loan to value
- Funds
- Acquisition · Growth · Refinance
- Rules out
- England & Wales only; Property security required
Semi-commercial bridging loan
- Facility
- £100k to £25m
- Security
- First charge against semi-commercial (residential >50%) property; up to 70% loan to value
- Funds
- Acquisition · Growth · Refinance
- Rules out
- England & Wales only; Property security required
Commercial bridging loan
- Facility
- £100k to £25m
- Security
- First charge against commercial property; up to 65% loan to value
- Funds
- Acquisition · Growth · Refinance
- Rules out
- England & Wales only; Property security required
Second charge bridging loan
- Facility
- £100k to £1m
- Security
- Second charge against UK property; up to 70% loan to value
- Funds
- Growth · Refinance
- Rules out
- England & Wales only; Property security required; Max £1m on second charge
Refurbishment bridging loan
- Facility
- £150k to £25m
- Security
- First charge against residential/semi-commercial property; up to 75% loan to value/loan to gross development value; cost of works not to exceed 25% of day one value
- Funds
- Growth · Refinance
- Rules out
- England & Wales only; Property security required; Light refurb only (cost of works capped at 25% of day one value)
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 5 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 Reim 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 Reim Capital move?
AIP 24 hours; credit-backed terms 48 hours; recent deals completed in 4-10 working days. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Where does Reim Capital lend?
England and Wales only. Confirmed Midlands, London, Worcester transactions.
On the record
May 2026: £225k residential bridging, Worcester, 75% LTV, 12-month term, completed 4 days (theintermediary.co.uk.
2025: £600k residential bridging, Hayes London, 75% LTV, 18-month term, completed 7 working days (bridgingandcommercial.co.uk.
2024: £3m commercial bridging, West Midlands office block, 6-month term, completed 10 days (bridgingandcommercial.co.uk.
Sources: reimcapital.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.