How We Work

A clear, credit-led approach to short-term property finance.

Lending Capital is built around one principle: clarity at every stage of the transaction. We focus on transparent structuring, decisive underwriting, and consistent execution - so brokers and borrowers know exactly where they stand from day one.

Our Approach

We take a pragmatic, commercially driven view of short-term property finance. Each transaction is assessed on its own merits, with a clear focus on risk, structure, and exit.

  • Clear Credit Decisions

  • Transparent Terms from the Outset

  • Direct Access to Decision-Makers

  • No Moving Goalposts

Our Process

1. Initial Discussion or Submission

Every transaction starts with a straightforward conversation or a short deal submission. We focus on understanding the fundamentals:

  • The borrower

  • The asset

  • The structure

  • The exit

This allows us to give a meaningful initial view quickly.

2. Indicative Terms

Where a deal is commercially viable, we issue clear indicative terms. These are structured to reflect:

  • Risk

  • Complexity

  • Execution requirements

Our aim is to ensure expectations are aligned early, before time and cost are incurred.

3. Due Diligence & Valuation

Once terms are agreed, we progress with due diligence in a coordinated and efficient manner. Valuation and legal work is instructed promptly, with open communication maintained throughout the process.

We work collaboratively with brokers and professional advisers to keep transactions moving.

4. Legal Completion & Drawdown

On satisfaction of conditions, we proceed to completion and drawdown. We prioritise:

  • Clear communication

  • Realistic timelines

  • Consistent execution

Our objective is a smooth completion with no last-minute surprises.

How We Underwrite

Our underwriting is credit-led and experience-driven. We assess each deal holistically, considering:

  • Asset quality

  • Loan-to-value

  • Borrower experience

  • Exit strategy

  • Market dynamics

We take a practical view on complexity where the fundamentals are sound.

What You Can Expect

Working with Lending Capital means:

  • Clear communication at every stage

  • Transparent structuring

  • Direct access to the credit team

  • Commercial decision-making

  • A focus on delivery, not delays

We value long-term broker relationships built on trust and consistency.

Who We Work With

We primarily work with:

  • Professional brokers

  • Experienced property investors

  • Developers with a clear strategy

Our solutions are designed for those who value certainty, clarity, and execution.

Have a deal to discuss?

If you have a transaction that requires short-term funding, we welcome an initial discussion.

SPEAK TO THE CREDIT TEAM