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As a specialist alternative lender, our
streamlined lending process is tried
and tested.

Our Proven Strategy

Demand for UK short-term lending in the property market is strong and historically funding has been met by traditional banks, supported by alternative lenders. Specialist alternative lenders like P1 Capital have a simple and robust lending process, reaching decisions within days, thus enabling borrowers to proceed quickly and capitalise on financially sound opportunities with good margins.

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The key to our success is lending
mezzanine finance to experienced
developers with a proven track record
of delivery within a defined criteria.

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Borrowers are primarily business
owners and professional property
developers, and all loans are
secured over property and commercial assets.

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Property lending will generally be in
areas with a sustainable property
market where there is a fundamental
demand for housing. This is currently in and around the South East and
Midlands, or areas close to other major
cities throughout England.

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In the current climate we are highly
cautious on £2 million+ / trophy homes, or property hotspots that are not supported by our fundamental
investment principles.

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We typically invest in developments
with a sales value of £2 million to £15
million.

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We work with other experienced
lenders, investing primarily in the lower end of the market from £2 million to £15 million residential development transactions.

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Developers in £2 million to £15 million
transactions are highly professional,
with significant assets and experience, but their development money is often tied up in other projects.

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Projects of this size can accommodate the best professional advisers and will often give corporate and personal guarantees.

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Margins for these developers are
typically higher than those of a small
developer, meaning that there is
greater protection in the project in the
event of a housing market crash.

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The liquidity in this end of the market is higher, meaning properties sell quicker.

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Market conditions do change over time, and we are
committed to remaining flexible and open to lending
opportunities which present good risk-adjusted returns.

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