Specialist Property Lending
Property finance built around the transaction.
Finanze Capital provides specialist short-term property lending for UK business-purpose borrowers, property investors, developers, brokers and introducers. We assess the asset, valuation basis, borrower, legal structure, timing and exit together rather than forcing every transaction through a standard purchase-price-only model.
At a glance
What Finanze Capital does.
Specialist Value-Led Lending
Where the value story needs more than a standard LTV.
Developed within Finanze, our specialist funding products help investors pursue opportunities where title separation, lease extension or qualifying commercial income can support a stronger funding structure. Alongside these products, we also assess evidenced below market value purchases. Explore the guides for worked examples and the information needed to discuss your case.
FINANZE® Title Split Finance
Funding where legal title separation can create independently supportable split values and stronger sale or refinance options.
- Blocks and multi-unit assets
- Supported split values
- Legal title strategy
FINANZE® Lease Extension Finance
Specialist lending for short-lease property where extending the lease can improve value, mortgageability and exit.
- Purchase or refinance
- Premium funding
- Supported extended value
Below Market Value Finance
Funding for genuinely discounted acquisitions where the reason for the discount and supported market value withstand scrutiny.
- Evidence-led discount
- Market value versus price
- LTMV and Net LTPP
FINANZE® Commercial Investment Bridge
Commercial lending where qualifying income, lease duration and tenant covenant support an investment-value basis.
- Investment value
- WAULT and covenant
- Income-led valuation
Core Lending Solutions
Short-term property finance for acquisition, works and exit.
Bridging Finance
Short-term lending for purchases, refinance, chain breaks and time-sensitive transactions.
- Purchase bridging
- Re-bridge
- Short-term liquidity
Refurbishment Finance
Funding for value-add projects with a defined works scope, budget, timetable and exit.
- Light and medium works
- Property improvement
- Sale or hold exits
Auction Finance
Specialist funding for property purchases where a fixed auction completion deadline applies.
- Time-critical completions
- Residential investment
- Commercial property
Commercial Bridging
Short-term lending for commercial and semi-commercial property where use, tenancy, value and exit need specialist assessment.
- Commercial property
- Mixed-use assets
- Vacant or let security
Development Exit
Refinance for completed or near-complete schemes where more time is needed to sell, stabilise or refinance.
- Unsold units
- Near-complete schemes
- Delayed sales
Portfolio & Complex Lending
Transactions involving multiple properties, different value bases, cross-collateral security or non-standard structures.
- Portfolio security
- Cross-collateral
- Complex scenarios
How We Assess A Case
The product name is only the starting point.
Two transactions described as bridging finance can carry very different risks. We look at the security, borrower, valuation basis, legal structure, timing, cash contribution and exit together.
Route To Terms
From enquiry to indicative terms.
Send the property, borrower, funding requirement, value basis, timing and exit.
We review fit and identify the relevant lending structure.
Suitable cases can receive indicative structure, pricing and leverage.
Valuation, legal due diligence and credit approval follow before completion.
Frequently Asked Questions
Finanze Capital lending FAQs.
What does Finanze Capital lend on?
Finanze Capital provides specialist short-term property finance for qualifying UK business-purpose transactions, including bridging, refurbishment, auction, commercial, development-exit and structure-led opportunities such as Title Split, Lease Extension, Below Market Value and Commercial Investment Value lending.
Is Finanze Capital a lender or a broker?
Finanze Capital is a specialist lender.
Do you only lend against purchase price?
No. Depending on the product and evidence, qualifying specialist transactions can be assessed using supported split value, extended value, independently evidenced market value or qualifying commercial investment value, subject to valuation and underwriting.
Can Finanze Capital fund purchases and refinances?
Yes, subject to product suitability and underwriting. The structure depends on the property, debt or purchase price, valuation basis, borrower, purpose, term and repayment strategy.
What information should I send for an initial quote?
Send the property, purchase price or current debt, valuation information, funding requirement, borrower details, timetable and intended exit. Specialist cases should also include the evidence relevant to the value strategy.
Are worked examples guaranteed terms?
No. They illustrate a structure under stated assumptions. Actual pricing, leverage, fees, term and net proceeds vary by case and remain subject to underwriting, valuation, legal due diligence, credit approval, final documentation and available funding.
Have a live case?
Send us the property, borrower, amount required, valuation basis, reason for funding, timing and exit.
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