Sancus Lending UK
A listed specialist lender co-investing its own capital in every loan alongside institutions and private co-funders, writing £1m to £15m of bridging and development finance.
What they do
Sancus operates a three-tier funding model: its own balance sheet takes a piece of every loan, alongside co-funders including institutions, family offices and private clients, with loans credit-approved in house before any syndication. Bridging is quoted from 0.9 per cent a month and development from 1.0 per cent, at up to 75 per cent loan to value and 78 per cent of cost. The business is listed on AIM, headquartered in Manchester with a London office, and lends across England, Scotland and Wales, with group activity in Ireland and the Channel Islands.
Where they fit in a lower-mid-market raise
Co-investment aligns the lender with the loan: money that is only syndicated after the lender has committed its own is a different proposition from a pure arranger. The £1m to £15m range covers a full lower-mid-market property requirement, and coverage extends across all three British nations.
Where they are not the fit
Property security and a development or investment purpose are required, so there is no route for a trading business borrowing on earnings. Published bands come from directory listings rather than a live rate sheet, so terms need confirming. Syndication means funding is committed but assembled, which can add time.
Published terms
- Pricing
- Bridging from 0.9% per month; development from 1.0% per month
- Speed to terms
- Not published
- Sponsored or sponsorless
- Corporate/entrepreneur-led: lends to professional developers, property investors, professional landlords and entrepreneurs (SMEs and HNWIs) against property security. Not a sponsor-fund model
- Where they lend
- England, Scotland and Wales (UK); group also lends in Ireland and the Channel Islands. Manchester HQ + London office
- How they decide
- AIM-listed specialist lender with in-house credit team; loans credit-approved by Sancus before Co-Funder syndication. Origination run from Manchester HQ and London office; scaling credit/lending team
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
Sancus Lending UK 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 Sancus Lending UK lends, but which of these would own it.
Bridging finance
- Facility
- £1m to £15m
- Security
- Secured on commercial and residential property (first charge)
- Funds
- Growth · Refinance
- Rules out
- Property security required
Development finance
- Facility
- £1m to £15m
- Security
- Secured on the development property/land (senior development finance; LTC-driven, ~78% LTC observed)
- Funds
- Growth · Refinance
- Rules out
- Property security required; Development/construction purpose
How they sit against the category
- Its published ceiling is £15m; 42 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 Sancus Lending UK write?
Published facilities run £1m to £15m. A band is what a lender states it will do, not what it will do on a given credit.
Where does Sancus Lending UK lend?
England, Scotland and Wales (UK); group also lends in Ireland and the Channel Islands. Manchester HQ + London office.
What does Sancus Lending UK lend?
The published product set is bridging finance, development finance. Published sector focus is construction, property, real estate, residential development.
On the record
February 2026: Pollen Street Capital upsized senior secured credit facility to £300m (from £200m), extended to 11 Feb 2031.
September 2022: £13.9m senior development loan, 117-unit scheme in Wisbech, Cambridgeshire, 24-month facility at ~78% LTC (£26.4m GDV.
2014: group has lent in excess of £1bn.
2025: Manchester office opened as UK HQ; 2026 new lending targeted in excess of £150m; team grew ~40% in 12 months.
2025: new lending facilities £212m, nearly double the £108m of 2024; loans under management £317m (up ~one-third.
Sources: sancus.com · mortgagesolutions.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.