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 Central London locations including Mayfair, Notting Hill, Belgravia, Chelsea and Knightsbridge, Prime Outer London such as Wimbledon, and the Prime Home Counties including the Wentworth Estate, Surrey and Marlow. Since its inception in 2016, CapitalRise has originated loans against over £1bn 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 developers themselves, had first-hand experience of being poorly served by 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.
EXECUTIVE SUMMARY
Cumulative Lending
There is huge opportunity in the lending market, driven by high borrower demand in Prime areas, due to the withdrawal of mainstream lenders.
• Bank lending to SME property developers fell by 49% from £9.7bn in January 2017 to £4.9bn in November 2024, our research revealed. This offers an opportunity for alternative lenders – such as CapitalRise – to fill this funding gap.
• £500m+ in gross lending to date against over £1bn+ of property value, with over £280m repaid in capital and returns. Loans were at an average term of 16 months, with an average LTV of 64%.
• CapitalRise’s key credit principles offer its investment partners a robust platform with rigorous risk management techniques, to deploy capital into loans that provide appropriate risk-adjusted returns.
• CapitalRise closed £174m of loans in the 12 months to June 2025.
• £2bn+ in transaction underwriting experience and Founders invest their own capital into every loan.
£519m
Total loan facilities closed
£1.2bn
Value of properties funded 64%
Average exit LTV
£286m
Capital and returns paid to investors 9.26% p.a.
Average investment returns paid in 2024
16 months
Average term length
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
BEST IN CLASS SERVICE
We value long-term relationships – our expert team is always available
ROBUST CAPITAL SOURCES
A diverse and robust range of institutional funding lines; around £500m to deploy with quality borrowers this year
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)
• 0.85% - 0.95% PCM
• 2% arrangement fee
• No exit fee TYPICAL BORROWER RATES
PRODUCT RANGE: DEVELOPMENT
USE(S)
• Ground-up development
• Refurbishment
• Conversion
LTGDV / LTC
• Airspace Up to:
• LTGDV: 70%
• LTC: 85%
TYPICAL BORROWER RATES
• 5.75 - 6.5% (over base)
• 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 BORROWER RATES
• 11.75% (over base)
• 2% arrangement fee
• 1% exit fee
TYPICAL TERM
• Up to 36 months
LOAN PORTFOLIO BREAKDOWN
Data from inception (2016) to January 2025
GEOGRAPHICAL SPLIT
WHO CAN WE LEND TO?
PRIME PROPERTY DEVELOPERS
PRIME PROPERTY INVESTORS
CapitalRise provides finance for a variety of property projects across the South 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.
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)
Sydenham Hill, Southwark
Grove Park, Camberwell
Broghill House, Wimbledon
Jack Straw’s Castle, Hampstead
Ealing Park Tavern (mixed use)
LOANS OUTSIDE LONDON
Marlow Hills, Buckinghamshire Pine Trees, Wentworth Estate Bodens Cottage Ascot
Colchester, Essex (26 new-build units)
Ascott u/ Wychwood, Cotswolds
Hill Brow, Hove
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