Property-backed lenders
Lenders that size a facility on real estate and its exit rather than on trading cashflow: bridging, refurbishment and development finance at the short end, commercial and semi-commercial mortgages at the term end. Money is fast, secured by a first charge, and priced monthly at the short end, where interest is usually retained or rolled rather than serviced.
Maintained by Solon Corporate Finance · Last reviewed 27 September 2026
When a borrower should look here
Property-backed debt belongs in a corporate raise more often than it is used. Buying the freehold a company trades from, funding a site or a scheme, releasing equity from property to fund an acquisition, or bridging a purchase that must complete before term debt can be arranged: in each the real estate carries the credit and the trading company does not have to. The instrument is a timing tool at the short end, so the exit matters more than the rate.
How they differ from one another
This is the widest and least uniform part of the market. Bridging and development lenders differ on loan to value, on whether they fund ground-up construction or only refurbishment, on regional coverage and on whether the money is their own balance sheet, a fund, or institutional lines. The commercial mortgage end is closer to bank lending: longer terms, serviced interest, tighter cover tests. Pricing spreads across a wide band, and the cheapest quote is rarely the one that completes, so certainty of funds is worth more than headline rate.
The property-backed lenders
Bridging & development66
Short-dated property debt priced monthly and underwritten on the exit.
Acre Lane Capital
A development exit and bridging lender writing £300k to £10m in England and Wales, with indicative terms inside 24 hours and published rates from 0.70 per cent a month.
Alternative Bridging Corporation
A long-established principal lender writing bridging from 0.75 per cent a month and development finance to around £4m a facility, with a same-day decision in principle.
Angel Property Finance
An own-book bridging and development lender funding land acquisition, ground-up schemes and refurbishment up to £20m, with in-house underwriting and its own surveyor.
ASK Partners
A property lending platform half-owned by OakNorth Bank, writing senior bridging and development finance from £5m to £80m, with mezzanine and joint-venture equity alongside.
Aspen Bridging
The bridging arm of listed lender S&U, funding £200k to £15m from equity rather than borrowed lines, with rates from 0.39 per cent a month and sub-ten-day completions.
Atelier Finance
A development and bridging lender majority-owned by M&G, funding £3m to £40m with an institutional credit process and a demonstrated nineteen working days from terms to completion.
Avamore Capital
A property lender writing £250k to £25m across bridging, refurbishment, ground-up development and part-complete schemes, priced from 0.56 per cent a month over base with no exit fee.
Beaufort Bridging
A bridging lender launched in 2025 by Beaufort Capital, writing £3m to £75m at a published 0.8 to 1.0 per cent a month across England, Scotland and Wales.
Black & White Bridging
A Bristol-based own-book bridging lender with a published rate card from 0.69 per cent a month, writing to £5m as standard and up to around £7.5m by referral.
Blackfinch Property
The property lending arm of the Blackfinch group, deploying adviser-managed retail capital into development, bridging and commercial term loans of £500k to £20m across the whole UK.
Blend Network
A development and bridging lender funded by family offices and institutions, writing £500k to £10m across all four UK nations, including Northern Ireland.
BLG Development Finance
A development lender writing £500k to £15m of residential and commercial scheme finance from its own balance sheet, accredited under the British Business Bank's guarantee programme.
Bridging Finance Solutions
A privately funded principal lender in the North West writing bridging, refurbishment and development finance from £50k to £5m, with decisions in hours and completions in ten days.
CapitalRise
A prime property lender writing £1m to £20m of bridging, development and sales-period finance in London, the Home Counties and selected premium markets, from 0.83 per cent a month.
Castle Trust Bank
A retail-deposit-funded bank lending light and heavy refurbishment bridging from £150k to £5m through intermediaries, from around 0.70 per cent a month.
Catalyst Property Finance
A short-term property lender with £750m of committed institutional capacity, writing £100k to £20m of bridging, refurbishment, development exit and ground-up finance in England and Wales.
Clearwell Capital
A residential development lender with £250m of capacity from HSBC and Fasanara, writing stretch senior facilities of £750k to £5m from 6.5 per cent over base.
Cohort Capital
A Park Lane principal lending its own private capital against prime UK real estate, from £1m to £100m, with completions measured in days rather than weeks.
CrowdProperty
A property development lender funded by a regulated peer-to-peer platform and a £300m institutional line, writing £100k to £10m across all four UK nations.
Downing Property Finance
The property lending arm of investment manager Downing, writing £2m to £30m of development and bridging finance to experienced developers across the UK outside Northern Ireland.
FDC Real Estate Development Debt Fund
An institutional development debt fund managed within Mercia, targeting around £500m and writing senior real estate development loans of £1m to £30m.
Fiduciam
A pension-fund-owned lender writing £1m to £35m secured on real estate, including business bridges to trading companies, across the UK and seven European countries.
Funding 365
An underwriter-led bridging lender now owned by Balbec Capital, quoting credit-backed terms in about an hour, from 0.64 per cent a month on facilities to £5m.
Glenhawk
A short-term property lender writing standard commercial bridging to £3m and structured real estate facilities from £5m to £50m, with indicative terms the same day.
Goldentree Financial Services
A privately owned Warrington lender backed by the family behind Betfred, writing bridging and development finance from £100k to £10m with its own valuers and solicitors in house.
Hilco Real Estate Finance
The real estate lending arm of Hilco Global, writing first-charge bridging from around £1m to well past £100m, and medium-term loans from £10m at SONIA plus 2.95 per cent.
Hilltop Credit Partners
A technology-enabled development lender writing £3m to £20m of senior, whole-loan and stabilisation finance to experienced residential developers, with funding in under four weeks for repeat borrowers.
Hope Capital
A principal bridging lender in the North West writing £50k to £5m against trading premises and investment property, issuing terms within an hour and funding in days.
Imperial Blue Finance
A Mayfair principal lending its own and committed institutional capital into English development and bridging deals, with evidenced facilities between roughly £2.4m and £11.6m.
Inspired Lending
An own-book bridging lender funded by Pears family capital, writing £250k to around £6.3m of unregulated first and second charge facilities from 0.79 per cent a month.
Invest & Fund
A marketplace development lender backed by a £47.5m Homes England facility, writing £250k to £5m to residential developers in England and Wales, with a site visit before every credit decision.
KSEYE
A principal bridging lender with more than £620m of funding lines, writing £150k to £50m in England and Wales, with indicative terms in two hours and drawdown in five working days.
Lendhub
A non-bank principal writing bridging and development finance of £100k to £10m in England and Wales, with heads of terms inside a day and no exit fees.
LendInvest
A listed property lender writing £75k to £20m of bridging, refurbishment and development finance, with heads of terms produced in minutes through a broker portal.
London Credit
A principal lender deploying its own capital into residential, commercial and semi-commercial bridging and development, up to £4m a facility, from around 0.53 per cent a month.
Lowry Capital
A long-established own-book lender in Greater Manchester with a Glasgow office, writing bridging and development finance to around £4m across England, Scotland and Wales.
Magnet Capital
A development finance specialist writing £500k to £4m for small residential schemes of up to about twenty units, with a decision in principle often within minutes.
Maslow Capital
A development and short-term lender inside Arrow Global's European platform, writing bridging from £300k and development finance from a £20m floor, with margins from 3.8 per cent.
MERA Investment Management
A family-office-backed commercial real estate lender writing senior loans from £1m to £50m, smaller bridging from £500k, and preferred equity or joint-venture capital of £5m to £15m.
Mint Property Finance
A specialist bridging lender writing £75k to £5m with a decision in principle inside 48 hours, funded by an Aldermore block facility and its own balance sheet.
MSP Capital
A Dorset principal lending since 1981 with £485m of capacity from JP Morgan, Pollen Street and Shawbrook, writing £100k to £20m of development and bridging finance.
MT Finance
A warehouse-funded bridging lender writing commercial bridges to £2.5m and residential-secured business bridges to £10m, underwritten without accounts or proof of income.
Novellus Finance
A privately funded bridging principal lending from £500k with no external credit committee, completing in as little as 48 hours and evidencing deals to £4.7m.
OakBridge Financial Services
An owner-managed bridging principal writing £150k to £4m across England, Wales and mainland Scotland, with a decision in principle inside two working hours.
Oblix Capital
A London-focused principal lending development and bridging finance against single-asset property security, with completions evidenced from eight days to six weeks.
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.
Octopus Real Estate
A specialist real estate lender with fully discretionary fund capital, writing commercial bridging from 0.85 per cent a month and senior development finance from 6.75 per cent over SONIA, between £1m and £50m.
Pallas Capital
The UK arm of an Australian property lending group, launched in 2025 with forward-flow and warehouse funding from major US institutions, writing £250k to £35m anywhere in the UK.
Pivot Finance
A property lender backed by Foresight senior debt and majority-owned by Quilam Capital, writing £1m to £15m of bridging and development finance in England and Wales.
Pluto Finance
A development lender part-owned by the universities pension scheme with a £2bn Blackstone partnership, whose lower-mid-market product is a £1m to £10m bridging line from 0.58 per cent a month.
Precede Capital Partners
An institutionally backed real estate lender funded by TowerBrook and QuadReal, writing bridging from £5m and development whole loans whose practical floor sits far above the lower-mid-market.
Puma Property Finance
A development lender with a £500m forward-flow joint venture with KKR, writing senior development finance from a £10m own-book floor and pre-development bridging from £3m.
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.
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.
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.
Relendex
A peer-to-peer development lender for small housebuilders, writing first-charge loans of £750k to around £10m at 9.5 to 11.25 per cent a year, with British Business Bank co-investment.
Rikvin Capital
A Singapore-domiciled principal lending £1m to £20m against UK property on an asset-led basis, with term sheets in a day and no requirement that the borrower be UK-resident.
Roma Finance
A Manchester bridging and development lender with institutional lines from NatWest, JP Morgan and others, writing to around £3m and completing four in five bridges within 28 days.
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.
Saxon Trust
A manually underwritten property lender funded by an OakNorth facility, writing £100k to £5m of bridging, development, refurbishment and development exit finance in England and Wales.
TAB
A property lender funded by a £500m AB CarVal facility, offering tracker-priced bridging from six per cent over base and a term mortgage from 4.99 per cent over base, to £15m.
Tenn Capital
A principal lending its own and Elliott-backed capital against prime and super-prime property, from £1m to £10m and beyond, with a £40m London bridge closed in six weeks.
West One Loans
One of the largest specialist property lenders in the UK, originating around £1.75bn a year across bridging, development, buy-to-let and commercial mortgages, from £75k to £30m.
Whitehall Capital
A privately funded principal lending £100k to £20m of short-term property finance from 0.99 per cent a month, with credit-sanctioned terms in 24 hours and completion possible in a week.
Zenzic Development Finance
The residential development arm of Zenzic Capital, writing £2m to £15m of stretch senior and mezzanine finance behind a £45m Cynergy Bank facility.
Zorin Finance
A property lender backed by funds managed by Avenue Capital Group, writing £5m to £150m of development finance from five per cent over base and investment loans from 3.95 per cent.
Commercial mortgages9
Term debt secured on commercial and mixed-use real estate.
Assetz Capital
An institutionally funded property lender writing commercial mortgages from 2.25 per cent over base and development finance from 8.35 per cent, in facilities of £250k to £10m.
InterBay Commercial
The commercial arm of OSB Group, lending owner-occupier commercial mortgages from £125k to £25m through brokers, with published rates and a one-day agreement in principle.
Lendco
A securitisation-funded specialist writing commercial and semi-commercial bridging of £100k to £5m per asset alongside professional buy-to-let mortgages, distributed only through brokers.
LND Capital
A technology-enabled non-bank lender writing senior commercial real estate loans of £2m to £30m, funded by a £200m bank warehouse and a £450m forward-flow agreement.
Ortus Secured Finance
A principal lender backed by Icelandic bank Kvika, writing commercial bridging from 0.65 per cent a month and five-year commercial mortgages, from £100k to £25m across the whole UK.
Redwood Bank
A specialist SME bank lending commercial mortgages of £250k to £10m to owner-occupiers and professional landlords, with individual underwriting and rates from around 6.34 per cent.
Rothschild & Co Real Estate Debt
An insurer-funded commercial real estate lender managed by Rothschild & Co, writing senior loans of £5m to £100m at margins of roughly two to three per cent over SONIA.
Together Commercial Finance
The commercial arm of finance house Together, lending commercial mortgages from 8.94 per cent and bridging from 0.94 per cent a month, up to around £5m, underwritten by people rather than criteria.
YBS Commercial Mortgages
The commercial lending arm of Yorkshire Building Society, funding £500k to £5m against commercial and residential investment property from a mutual's balance sheet.
A curated reference map drawn from public sources: informational, not a ranking or a recommendation.