We underwrite the deal. Not the credit score.
Bridging, refurbishment, development finance and business second charge loans, secured on property. One application. Every document in one place. You'll always know where your case stands.
Takes a minute. No credit check.
Your monthly and total cost, emailed to you now.
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Change the dealInterest and fees included in your loan cost
Development facilities normally use staged drawdowns and need a separate drawdown schedule. This simple estimate assumes the full facility is drawn from day one; it does not pretend to model a staged schedule.
Best and worst case refer to the displayed pricing range. These are estimates of interest and fees, not guaranteed limits. The loan amount and legal costs are not included.
Human credit sign-off is targeted within 48 hours of a complete, verified file.
Need the money soon? Pick a time to talk it through.
- Your breakdown is in your inbox. Keep it handy for when you apply.
- We get in touch to check we can help, before we take up any more of your time.
- Apply once. Every document in one place, never asked for twice. Credit sign-off is targeted within 48 hours of a complete, verified file.
Indicative estimate only, subject to underwriting. The sliders do not determine a risk grade or a final rate. Assumes the full facility is drawn from day one. Legal costs are excluded. Valuation, title, evidence, credit approval and legal completion remain required.
The 50 to 75% LTV and 3 to 18 month controls are shared illustrative bounds, not approved credit limits or a promise of lender-specific terms. Bridging is typically modelled at 6 months in the frozen record.
Change the dealThe people in lending aren't the problem. The process is.
Even bridging, which is supposed to be fast money, averaged 43 days in 2025. Slow, opaque, committee-driven. We built the opposite.
Score out of 100, across about 5,000 broker feedback records. Source: Smart Money People / Financial Reporter, H1 2026.
So much easier than anything you've had before.
One stop shop
One application. Borrower, property and evidence held together, asked for once. No sending the same ID and paperwork over and over.
Fast answers
Indicative decision in seconds. Human credit sign-off targeted within 48 hours of a complete, verified file.
No chasing
No back and forth emails. You see where your case is and what the decision depends on.
Whole-deal view
We underwrite the deal, not the credit score. If the deal makes sense, we look at it properly.
Built by a developer
25 years in UK property. Built by someone who has sat on your side of the table and waited.
Watching to repayment
Most lenders lend the money and disappear until redemption. We stay with every loan, so problems surface months early, not days before default.
Business lending, secured on property.
Property investors
Buying, refinancing or unlocking a property while a sale or refinance completes.
Developers
Ground up builds, conversions and heavy refurbishment, funded in stages as the work goes.
SPVs and property businesses
Business lending from £100k to £1m and up. England and Wales. No homeowner loans.
Three steps. No surprises on completion day.
Test your deal
See your likely rate in a minute. No credit check.
Apply once
Tell us the deal and upload your documents to one place. We never ask twice.
Get your decision
Credit sign-off targeted within 48 hours of a complete, verified file. Then we see it through to repayment.
One loan took seven months. It cost £35,000 in interest, just waiting.
- Lee was moving an HMO from a bridging loan onto development finance. A simple switch. The lender said it would take a couple of weeks.
- Then the lawyer disappeared for two or three weeks at a time. The lender's business development manager went quiet for two months, until Lee complained to his bosses. The broker and the lender spent two months blaming each other over one redemption statement.
- He couldn't walk away. The surveys and legal work were already paid for. So he kept chasing.
- Seven months later the loan came through. The wait had cost him £35,000 in interest.
"So rather than keep complaining about lenders, I built the lender I want to borrow from."
Llewellyn (Lee) Lloyd · Founder and CEO
Straight answers.
Will testing my deal affect my credit score?
No. The calculator runs no credit check. It shows your likely rate from the deal details you type in.
What can I borrow for?
Bridging, refurbishment, development finance and business second charge loans, secured on property in England and Wales.
How much can I borrow?
Business loans from £100k to £1m and up. How much depends on the property's value and the deal, and the calculator shows you where yours sits.
How quickly will I get an answer?
An indicative decision in seconds. Human credit sign-off is targeted within 48 hours of a complete, verified file.
Do you lend to homeowners?
No. This is business purpose lending only. No homeowner loans.
Got a deal on? Test it now and see what it's likely to cost.
Takes a minute. No credit check.