Investor Lending Explained
Investor lending explained.
This page explains the main business-purpose property lending routes Finanze Capital may consider, what information matters and how investors can prepare before requesting a quote or submitting an application.
Capability snapshot
What we may consider.
Loan Range
Indicative facilities from £500,000 to £250,000,000, subject to validation, underwriting, valuation, legal due diligence, credit approval and available funding.
Typical Term
Most short-term facilities are considered over 6 to 24 months, depending on the property, product and exit strategy.
Common Uses
Purchase, refinance, re-bridge, refurbishment, finish and exit, development exit, title split, lease extension and portfolio cases.
What Matters
The property, borrower profile, loan purpose, amount requested, contribution and the plan for repayment.
Direct client resources
Download the direct-client guide and application documents.
Finanze Capital Facilities Guide
Download the direct-client facilities guide for a plain-English overview of the types of business-purpose property finance Finanze Capital may consider. The key points are also shown on this page so you can understand the main lending routes before starting a quote.
Manual Application Form
Prefer to complete the application manually? Download the editable loan application form and return it with the supporting documents when ready.
Download PDF →Assets & Liabilities Template
Use this where your wider assets, borrowing or commitments need to be explained clearly.
Download PDF →Property Portfolio Template
Useful if you own multiple investment properties or want to show your portfolio position clearly.
Download PDF →Use The Online Quote
The Investor Quick Quote route remains the quickest way to start and continue into the online application journey.
Start Quote →Investor lending routes
Which route sounds closest?
Purchase Bridging
For buying an investment property where short-term funding is needed before sale, refinance or stabilisation.
PurchaseRefinance / Re-Bridge
Where an existing lender needs repaying, more time is needed, or the property needs stabilising before sale or refinance.
RefinanceWorks / Refurbishment
For works-led cases where costs, timing and value after works can be explained and supported.
WorksDevelopment Exit
For completed or near-complete projects where time is needed to sell, refinance or stabilise income.
ExitTitle Split / Lease Extension
Specialist routes where value is created through title separation or lease extension strategy.
SpecialistPortfolio / Additional Security
For multiple investment properties or cases where additional property security supports the facility.
PortfolioQuick suitability check
What should be true before you apply.
- The borrowing is wholly or predominantly for business or investment purposes.
- Neither you nor your family will occupy the security property.
- There is a realistic repayment plan such as sale, refinance, completion of works or asset stabilisation.
- The property value, rental income, works plan, title, marketability and legal structure can support the loan.
- You can provide documents and information required for underwriting, valuation and legal due diligence.
Application readiness
What to prepare before you apply.
Having the right information ready can reduce delays. The exact requirements depend on your property, borrowing structure and transaction, but these are useful starting points.
Passport, driving licence and proof of address for each borrower.
Recent income evidence and bank statements, including business statements where a company is involved.
Evidence of funds available for deposit, works, costs or other borrower contribution.
Address, property type, value, purchase price or refinance position, title information and any tenancy or lease details.
A property portfolio schedule is helpful if you own multiple investment properties.
Explain how the loan will be repaid, such as sale, refinance, lease extension, title split sale or asset stabilisation.
This is not an exhaustive list. Further documents may be requested after the initial review.
Prefer to talk to us
Prefer to talk before applying?
If you prefer to talk to our team or have a call, we are at your convenience. We can help you discuss the transaction route, likely information requirements and whether the direct investor route is suitable.
Additional support
Prefer to use our brokerage.
Not confident in applying for a loan on your own? Our brokerage would be happy to help, guide you in detail through the process and, if needed, seek alternative quotes from other lenders to benchmark against our own.
As a perk of coming via Finanze Capital, no broker fees will be charged for this service. Finanze Property will however be entitled to any procuration fees paid by lenders as standard.