Fast, Flexible Residential & Commercial Finance, Bespoke To Your Transactions.

At Prospect Capital we have over 10 years of experience in property-backed lending, assisting brokers to source finance solutions for their clients or developers needing fast bridging loans. Our unique internal set up means we are able to remove bureaucracy and fund your transactions quicker than traditional lenders. Ideal for clients needing fast, short-term finance for acquisitions, refinancing, equity release, refurbishment, and investment opportunities.

We are able to provide

  • Fast Turnaround
    Decisions in as little as 24 hours

  • Flexible Loan Structures
    Tailored to fit both residential and commercial projects

  • Competitive Rates
    Transparent pricing with no hidden fees

  • Up to 75% LTV
    Higher leverage available for the right projects

  • Funding from £1,000,000 to £25,000,000
    Higher Value loans considered upon request

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Perfect for:

  • Auction purchases

  • Refurbishment & development

  • Buying below market value

  • Chain break solutions

  • Bridge to sell or bridge to let strategies

  • Commercial acquisitions & mixed use properties

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For Brokers:

We are proud to work with a variety of brokers as long term partners. Our process is streamlined, and communication is transparent.

Our commercial approach to transactions involves thoroughly evaluating each transaction. We begin by gaining a clear understanding of the clients track record and the quality of their assets. Then, we collaborate closely with our broker partners to ensure that every transaction is completed smoothly and within the agreed timescale.

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For Property Developers:

Whether you are an individual, a company, a partnership, or an offshore entity, our team is experienced in handling complex financing structures and navigating regulatory requirements. From your initial enquiry, you will be introduced to senior decision makers. This means we can consider a loan that combines senior and junior debt into a single package, on the basis it makes commercial sense.

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Common Questions

To fulfil our regulatory obligations and onboard you efficiently we use the following steps:

Bridging loans can be used for a variety of transactions, compared to development loans, where they are typically used for the development of new builds or property redevelopment projects

Applicants must demonstrate a credible and well defined exit strategy. Additionally, the loan must be secured against the subject property or portfolio of properties

Yes, we prioritise strong borrower profiles, clear exit strategies, and projects where we see long term potential.

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To discover more about our experience in residential and commercial lending, please read our portfolio. Alternatively, submit your enquiry today and our senior decision makers will be in touch directly.

Client Testimonials

specialist finance solutions

Providing specialist finance solutions that help our clients succeed in their ventures is a particularly satisfying aspect of our business.

We were delighted to be of assistance to James Maunder Taylor at Kingfisher Property Finance in relation to a complex facility that had particularly sensitive time constraints. At Prospect Capital our dedicated structured finance team are experts in delivering tailored lending to property investors and developers swiftly and effectively.

“I was impressed with their commercial and professional approach to a complex and time sensitive facility, I would not hesitate to recommend them.”

James Maunder Taylor

Kingfisher Property Finance
Director