Financial solutions
tailored to your project and strategy
At PropCap,
we pride ourselves on...
- The network of experienced lenders and funding solutions we have available and the exceptional service we offer.
- In the last six months, our average loan value was £500k, meaning we’ve facilitated funding for numerous high-end property projects across the UK, since our conception. We’re at our best when we’re maximizing your projected returns and we’re confident that if you’re a seasoned investor or developer, with an excellent track record looking for funding – we can help you.
Bridging Finance
Bridging Finance covers a range of short-term property finance options that are secured against the following asset classes:
Residential
Industrial
Commercial
Semi-commercial
Land with planning
Mainstream lenders have, of late, left a gap in the market by tightening lending criteria, while other alternative finance lenders have filled this gap by designing funding methods for almost any short-term property finance scenario.
At PropCap, we specialise in speedy Bridging Finance solutions through a personalised approach, delivered in shorter lead times than most of our competitors.
What we offer:
Access to exclusive lenders
Top of market rates
Up to 100% LTV available (with additional security)
Funding delivered in staged drawdown
Lending terms ranging from 1 – 24 months
Loans from £100k to £50m
Minimal or no exit fees
Lending in England, Scotland and Wales
Development Finance
Development Finance may often refer to finance used on new home and apartment projects, but here at PropCap we specialise in financing projects with a minimum debt value of over £1m+.
Our Development Finance solutions are ideal for those working on commercial, mixed-use, industrial and residential projects of a larger scale. Our diverse portfolio of lenders are happy to lend to those with previous property experience or industry expertise, such as Quantity Surveying, Architecture, or Building Contracting. Please note we do not offer JV funding or projects requiring 100% funding.
We have Senior Debt, Senior + Mezzanine or Stretched Senior products available for residential, commercial, mixed use and industrial assets.
What we offer:
Senior Debt available to 75% LtGDV / 85% loan to total cost / 100% build cost
Senior Debt + Mezzanine available to 90% LtGDV
Stretch Senior available to 85% LtGDV
Day 1 advances available to 65% LtV
Top of market rates*
Loans from £500k with no upper limit
Funding projects across the UK
Products available to first time developers (with sector experience)
Commercial Finance
Commercial Finance covers a range of lending areas related to property but not associated with development. Instances where you may require a Commercial Finance Solution are:
You are looking to purchase a commercial property for rental return and capital gain
You are looking to purchase a residential property for rental return and capital gain
You are a trading business or owner occupier who is looking to purchase or refinance their premises
The types of properties we can provide lending for include:
Single freehold units
Apartments located above commercial properties
Retail units
Industrial units
Multiple units or apartment blocks
Offices and office blocks
Warehouses and distribution centres
Restaurants, hotels, guest houses and public houses
Care homes, nursing homes and child day care nurseries
By working with PropCap, we’ll give you access to lenders who can provide:
Top of market rates
Up to 100% LTV (with additional security)
Interest only finance options
Fixed and variable rates
Loans from £250k with no upper limit
Funding projects across the UK
Complex Buy to Let
Complex or specialist buy-to-let mortgages are applications that are better suited to the additional finance market than mainstream lenders, due to criteria or features which require additional expertise. For example, situations where a client is purchasing a property from a limited company or re-mortgaging an investment property owned by a limited company.
Our lenders differ from mainstream lenders by examining each application independently, against more flexible criteria. With a larger range of financial solutions available, more complex scenarios can be funded.