Unlock Your Equity
Capital Raising
Your property portfolio is an asset — not just bricks and mortar. When you need capital fast, we arrange bridging finance that unlocks the equity in your existing commercial property. No need to sell. No need to wait months for a bank. Funds in days, not weeks.
£250k – £50m+
Loan Size
1 – 18 months
Typical Term
Up to 70% LTV
Typical LTV
Key Features
What We Offer
Unlock equity in commercial property
Release capital tied up in property you already own — without selling the asset.
First and second charge options
We can structure behind existing debt or take a clean first charge. Second charges unlock equity without disturbing your current mortgage.
No restriction on use of funds
Use the capital for new acquisitions, business investment, tax liabilities, or any commercial purpose.
Fast drawdown — typically 5-14 days
When you need capital quickly, we deliver. No lengthy underwriting processes.
Interest rolled up available
No monthly repayment burden. Interest is added to the loan and repaid when you refinance or sell.
Portfolio cross-charge options
Use equity across multiple properties to maximise the amount you can raise.
Ideal For
Common Scenarios
Fund a New Acquisition
You've found the next deal but your capital is tied up in existing property. Release equity to fund the deposit or full purchase.
Business Cash Injection
Your business needs working capital. Raise funds against commercial property you own without a lengthy bank process.
Tax or HMRC Payment
An unexpected tax bill needs settling fast. Capital raising against property provides the funds within days.
Seize a Time-Limited Opportunity
A business or property opportunity has a deadline. Raise capital quickly against your existing assets to act decisively.
Typical Costs
What You'll Pay
Every deal is different, but here's what to budget for on a typical capital raising facility. Use our calculator to estimate total costs for your specific deal.
Interest Rate
0.50–0.90% per month, rolled up — no monthly payments.
Arrangement Fee
1–2% of the gross loan. Can be added to the facility or paid on completion.
Valuation Fee
£500–£3,000+ depending on property value. Paid directly to the surveyor.
Legal Fees
Your solicitor + lender's solicitor. Budget £2,000–£5,000+ for both sides.
Exit Fee
0–1% of the loan. Many lenders charge no exit fee.
Broker Fee
Our fee is typically 1% of the net loan, payable on completion. No upfront fees.
Typical Costs
What You'll Pay
Every deal is different, but here's what to budget for on a typical capital raising facility. Use our calculator to estimate total costs for your specific deal.
Interest Rate
0.50–0.90% per month, rolled up — no monthly payments.
Arrangement Fee
1–2% of the gross loan. Can be added to the facility or paid on completion.
Valuation Fee
£500–£3,000+ depending on property value. Paid directly to the surveyor.
Legal Fees
Your solicitor + lender's solicitor. Budget £2,000–£5,000+ for both sides.
Exit Fee
0–1% of the loan. Many lenders charge no exit fee.
Broker Fee
Our fee is typically 1% of the net loan, payable on completion. No upfront fees.
How It Works
Unlocking Equity in Your Property
Tell Us What You Need
How much capital do you need, what property are you raising against, and what's the purpose? We'll assess the equity available and identify the best route — first charge, second charge, or cross-collateralised across multiple assets.
Valuation and Terms
We instruct a valuation to confirm the current market value, then negotiate the best terms from our lender panel. If there's existing debt, we coordinate with your current lender to ensure a clean process — or arrange a second charge behind them.
Draw Funds
Once legal work is complete, funds are drawn — typically within 10–14 days of initial enquiry. Use the capital for whatever you need. Exit by refinancing, selling the asset, or repaying from other sources.
Who Is This For
Typical Capital Raising Borrowers
Portfolio Investors
Equity is locked in existing properties. Release capital to fund new acquisitions without selling the assets that generate your rental income.
Business Owners
Your business needs a cash injection but the bank is too slow. Raise funds against commercial property you own and have capital in days, not months.
Tax and HMRC Settlements
An unexpected tax bill needs settling quickly. Capital raising against property provides the funds within days to resolve HMRC liabilities.
Developers Between Projects
Profits from completed developments are tied up in retained assets. Release equity to fund deposits or working capital for the next scheme.
Typical Costs
What You’ll Pay
Every deal is different, but here’s what to budget for on a typical capital raising facility. Use our calculator to estimate total costs for your specific deal.
Interest
0.50–0.90% per month, rolled up
Arrangement Fee
1–2% of gross loan
Valuation
£500–£3,000+ depending on property value
Legal Fees
£2,000–£5,000+
Exit Fee
0–1% — many lenders charge none
Broker Fee
1% of net loan, payable on completion
Common Questions
Capital Raising FAQ
How much can I raise against my property?
Can I raise capital if I have an existing mortgage?
Are there restrictions on what I can use the funds for?
How fast can I get the funds?
Do I need a personal guarantee?
Can I raise capital against a portfolio of properties?
What exit strategies do lenders accept?
Is capital raising regulated?
Can I raise against multiple properties at once?
Will raising capital affect my existing mortgage?
What evidence of exit does the lender need?
Can I raise capital against unencumbered property?
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Real Results
Deals We've Structured
Ready to Discuss Your Project?
Get an indicative quote or arrange a call with a specialist. If we can respond immediately we will, otherwise within 2 hours during business hours.