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.
What they do
Whitehall Capital lends from a Gibraltar-domiciled investor fund backed by high-net-worth individuals, family offices and hedge funds, wholly outside the banking system. Residential and commercial bridging, development and auction finance are priced from 0.99 per cent a month on terms of up to twelve months, with rates negotiated per deal. Credit-sanctioned terms are issued within a day, direct access to decision-makers including the chief executive is offered, and a completion inside 24 hours is on record.
Where they fit in a lower-mid-market raise
Where speed and certainty matter more than the last quarter of a per cent, a lender whose capital sits in a discretionary fund and whose credit decision is made by the person taking the call is about as fast as the market gets. Most of the book sits between £1m and £5m, with £6.5m and £7m facilities confirming capability at the top of a lower-mid-market requirement.
Where they are not the fit
Terms cap at twelve months, so this is short-dated money and the exit has to be certain. Lending is England and Wales and unregulated only. Pricing starts at 0.99 per cent a month, above the keenest bridging in the market, which is the cost of the speed.
Published terms
- Pricing
- From 0.99% per month across all product lines; exact rate negotiated per deal and not published in full (whitehalllending.com/borrowers/)
- Speed to terms
- Credit-sanctioned terms within 24 hours; ability to close within 1 week (5-10 business days stated); 24-hour completion cited in a June 2025 case
- Sponsored or sponsorless
- Corporate and HNW individual borrowers; no sponsor-backed preference stated; considers complex ownership structures and foreign nationals
- Where they lend
- England and Wales (product pages); about pages state whole of UK; use England & Wales as operative restriction
- How they decide
- Principal lender with delegated authority; credit-sanctioned terms within 24 hours; direct access to decision-makers including CEO. No named broker contact published on site; inbound via info@whitehalllending.com or phone +44 203 026 7437. Authority is delegated below committee on at least part of the book
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
Whitehall Capital lends through 4 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Whitehall Capital lends, but which of these would own it.
Residential bridging finance
- Facility
- £100k to £20m
- Security
- First charge against property; up to 75% gross loan to value; second charge available
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Property security required; Unregulated loans only; England & Wales only
Commercial bridging finance
- Facility
- £100k to £20m
- Security
- First or second charge against commercial property; up to 75% gross loan to value; minimum 12 months trading history required for borrower
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Property security required; Unregulated loans only; England & Wales only
Development finance
- Facility
- £100k to £20m
- Security
- First charge against development property; up to 75% gross loan to value; fund release through to redemption
- Funds
- Growth · Refinance
- Rules out
- Property security required; Unregulated loans only; England & Wales only
Auction finance
- Facility
- £100k to £20m
- Security
- First charge against property; arranged within days to meet 28-day auction completion window
- Funds
- Acquisition
- Rules out
- Property security required; Unregulated loans only; England & Wales only
How they sit against the category
- Its published ceiling is £20m; 35 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 4 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 Whitehall Capital write?
Published facilities reach £20m, 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 Whitehall Capital move?
Credit-sanctioned terms within 24 hours; ability to close within 1 week (5-10 business days stated); 24-hour completion cited in a June 2025 case. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Where does Whitehall Capital lend?
England and Wales (product pages); about pages state whole of UK; use England & Wales as operative restriction.
On the record
2025: £1.8m bridging loan against residential apartments (West Kensington) and hotel (West Sussex) for HNW international entrepreneur; completed within 24 hours (Bridging & Commercial, 23 Jun 2025.
2023: ~£7m facility secured against commercial hospitality asset in Canterbury (Dec 2023.
2021: £6.5m bridging loan for Croydon office-to-residential conversion (163 apartments; closed 4 working days, Dec 2021.
Sources: whitehalllending.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.