SPECIALIST PRIME PROPERTY FINANCE
WHY WE WERE FOUNDED
CapitalRise is a leading specialist prime property finance company. It is the only dedicated funding provider focussing uniquely on prime property developments across London and the South East.
Projects have been located across Prime London locations including Mayfair, Notting Hill, Belgravia, Chelsea and Knightsbridge, Prime Outer London such as Wimbledon, and Prime Home Counties including the Wentworth Estate, Surrey and Marlow. Since its inception in 2016, CapitalRise has originated loans against over £1 billion of prime property assets.
Uma Rajah
CEO & FOUNDER
• Co-founded CapitalRise in 2016.
• 17yrs FinTech experience specialising in online lending.
• Experience in scaling up businesses.
• Cambridge University: Engineering, INSEAD, MBA
Alex Michelin
FOUNDER
• Founded Finchatton in 2001 and Valouran in 2023.
• Delivered over £2bn in prime residential development across 120+ projects globally.
• Nottingham University: Economics
Andrew Dunn
FOUNDER
• Co-founded Finchatton in 2001 and founded luxury country house developer, Earlsgate, in 2015.
• Delivered over £2bn in prime residential development across 120+ projects globally.
• Exeter University: Politics
CapitalRise was founded in 2016 to provide finance to prime property developers. Our founders, as prime developers themselves, had first-hand experience of being poorly served by the incumbent lenders. This heritage means that the business possesses extensive experience and deep expertise in real estate development, especially within the prime property market. It also means we understand the needs of our borrowers, and can speak the same language.
We are the lender built by developers.
HOW WE CAN SUPPORT YOUR CLIENTS
Should your client be considering a purchase, or approaching the completion and sale of a prime property project, CapitalRise can assist with bespoke finance packages to help the transaction to run smoothly.
CapitalRise can offer commercial development finance (subject to review) against property or land for development under a variety of circumstances. These may include, but are not limited to, the following scenarios where a developer or property investor is looking to:
• Buy an unmodernised property that will require development finance for a light or heavy refurbishment.
• Purchase a property with planning permission, where the buyer is intending to build the project out. Development finance may be offered to this buyer to fund the project.
• Secure land with the intention of developing a new-build, ground-up scheme. Finance can be provided to assist with the acquisition of the land, and later to fund the development itself.
• Purchase a property or land under a tight deadline for (re)development. Bridging or acquisition finance can be offered by CapitalRise to assist with this.
• Development projects that the agent is aware of, that are completing and will be coming to market soon. Development exit (or sales period) finance may be provided by CapitalRise in this instance to pay off an outstanding loan on a recently or nearly completed property, to facilitate bringing it to market.
WHY BORROWERS COME TO US
LOWER FINANCING COSTS
Our model allows us to offer lower rates than traditional sources
TAILORED SOLUTIONS
We provide flexible terms and are able to fund complex projects
FAST DECISION MAKING
Receive terms within 48 hours and funding from 25 days
BEST IN CLASS SERVICE
We value long-term relationships – our expert team is always available
WHO CAN WE LEND TO?
PRIME PROPERTY DEVELOPERS
PRIME PROPERTY INVESTORS
CapitalRise provides finance for a variety of property projects across the South East of England. Projects must have a compelling business plan and be in a good location with strong demonstrable demand. We can provide loans for commercial purposes, but do not provide regulated mortgages against a primary residence.
CapitalRise would offer you a referral fee (based on the total loan value), should your introduction lead to a development finance agreement with your purchaser.
LENDING LOCATIONS: LONDON, SOUTH EAST AND
BEYOND
Key areas in which we provide specialise prime property finance, with some examples of recent loans.
PRIME CENTRAL LONDON
• Kensington
• Chelsea
• Mayfair
• Hampstead
• Belgravia
PRIME OUTER LONDON
• Wimbledon
• Sydenham
• Ealing
PRIME HOME COUNTIES & BEYOND
• Virginia Water (Wentworth Estate)
• Cotswolds
• Hove
• Cambridge
CENTRAL LONDON LOANS
Cheyne Walk, Chelsea South Eaton Place, Belgravia Park Street, Mayfair
Chesham Street, Belgravia Academy Gardens, Kensington Gloucester Road, Kensington
OUTER LONDON LOANS
Kemsley Court, Ealing (airspace) Grove Park, Camberwell
Sydenham Hill, Southwark
Broghill House, Wimbledon Ealing Park Tavern
Jack Straw’s Castle, Hampstead
SOUTH EAST LOANS
Marlow Hills, Buckinghamshire Pine Trees, Wentworth Estate Bodens Cottage Ascot
Viola Hill, Hampshire Hill Brow, Hove
Ascott u/ Wychwood, Cotswolds
PRODUCT RANGE: BESPOKE FINANCE SOLUTIONS
CapitalRise offers end-to-end solutions to cover all stages of a development project. Our flexible, bespoke financing allows us to support a wide variety of borrower needs.
Fixed + Variable Rates Available
No upper limit on £/sq. ft. or capital value
Loan size: £1-20m
BRIDGING DEVELOPMENT MEZZANINE
•
PRODUCT RANGE: BRIDGING
USE(S)
• Purchase
• Refurbishment
• Refinance
• Finish & Exit
LTV
Up to:
• 75% (gross)
• 70% (net)
TYPICAL RATES
• 0.85% - 0.95% PCM
•
• 2% arrangement fee
• No exit fee
PRODUCT RANGE: DEVELOPMENT
• USE(S)
• Ground-up development
• Refurbishment
• Conversion
• Airspace
LTGDV / LTC
Up to:
• LTGDV: 70%
• LTC: 85%
TYPICAL RATES
•
• 5.75 - 6.5% (over cost of funds)
• 2% arrangement fee
• 1% exit fee
TYPICAL TERM
• Up to 36 months
•
PRODUCT RANGE: MEZZANINE
USE(S)
• Top-up development finance
• Reduce equity contribution
LTV / LTC
Up to:
• LTV: 75%
• LTC: 90%
TYPICAL RATES
• 11.75% (over cost of funds)
• 2% arrangement fee
• 1% exit fee
TYPICAL TERM
• Up to 36 months
