Capabilities
Six deep specialisms. One orchestrated whole.
Every product Liv, Together, Octane and the high street offer — plus a 2026-modernised layer of embedded, ARR-priced and ESG-discounted finance you won't find elsewhere.
Capability 01
Mortgages
Residential, BTL, expat, foreign-income, complex.
From first-time buyers to UHNW lombard structures and cross-border lending across 18 jurisdictions — orchestrated across 90+ panels including private banks invisible to the high street.
Brief our mortgages deskResidential Mortgages
From first homes to £20M private-bank lending.
£250K – £20M · AIP in 48h · 92+ partners
BTL & Portfolio Lending
Portfolio refinances, SPV structures, mixed-use HMOs.
£500K – £40M · Decision in 5 days · 38+ partners
Commercial Mortgages
Owner-occupier and investment commercial property finance.
£500K – £75M · AIP in 7 days · 41+ partners
Expat & Foreign-National Mortgages
UK lending for non-doms, expats and overseas nationals.
£500K – £25M · AIP in 5–7 days · 24+ partners
Mortgages on Foreign Income
USD, EUR, AED, SGD, HKD income — underwritten cleanly.
£400K – £15M · AIP in 7 days · 19+ partners
International Property Loans
Cross-border lending for property in EU, MENA, North America.
£500K – £50M · Heads in 14 days · 27+ partners
Adverse Credit & CCJ Mortgages
Lenders who underwrite the story, not just the score.
£150K – £3M · Offer in 14 days · 18+ partners
Capability 02
Bridging
5–14 day completions. Regulated, unregulated, re-bridge, dev-exit.
Auction, chain-break, refurb, re-bridging and development-exit — placed with the lender most likely to actually fund, not just quote.
Brief our bridging deskRegulated Bridging
Chain-break and own-home bridging in 5–10 days.
£250K – £10M · 5–10 day completion · 22+ partners
Unregulated & Commercial Bridging
Investment, refurb and exit bridges from £100K – £25M.
£100K – £25M · 5–14 day completion · 34+ partners
Re-Bridging Finance
Replace an expiring bridge before it defaults.
£250K – £20M · 10-day completion · 16+ partners
Development Exit Finance
Refinance practical-completion debt while units sell.
£500K – £40M · Heads in 10 days · 19+ partners
Capability 03
Development Finance
£500K – £500M senior, mezz, stretched, JV, green.
Ground-up, construction, commercial, hotel, refurb, first-time-developer, JV, BTR forward-funding and net-zero-priced facilities.
2026-modernised products inside
Brief our development finance deskGround-Up Development Finance
Senior debt for ground-up residential and mixed-use schemes.
£1M – £150M · Heads in 10 days · 28+ partners
Construction Financing
Drawdown-aligned facilities indexed to QS sign-off.
£750K – £80M · Drawdown in 7 days · 21+ partners
Commercial Development Finance
Industrial, logistics, retail and mixed-use development.
£2M – £100M · Heads in 14 days · 22+ partners
First-Time Developer Finance
Lenders who back the team, not just the track record.
£500K – £8M · Heads in 14 days · 11+ partners
Joint Venture Development Finance
Equity-light JV structures with profit-share funders.
£2M – £60M · Heads in 21 days · 14+ partners
Stretched-Senior, Mezzanine & Stretched-Debt
Higher gearing without a JV — up to 90% LTC.
£2M – £80M · Heads in 14 days · 19+ partners
Refurbishment & Conversion Finance
Light, heavy, permitted-development and listed-building refurb.
£300K – £25M · Heads in 10 days · 26+ partners
Hotel & Hospitality Development Finance
Branded, boutique and resort schemes — ground-up to refurb.
£5M – £150M · Heads in 21 days · 13+ partners
BTR & PRS Forward Funding
Programmatic capital for institutional-grade portfolios.
£20M – £500M · Programme in 60 days · 9+ partners
Build-to-Rent Operator Lines
ESG margin ratchetsOperating debt and stabilisation finance for BTR landlords.
£15M – £400M · Heads in 30 days · 11+ partners
Green & Net-Zero Development Finance
EU Taxonomy alignedDiscounted senior debt for EPC-A schemes and Passivhaus builds.
£2M – £100M · Heads in 14 days · 12+ partners
Capability 04
Business Finance
Term loans, MBO, working capital, invoice, tax & duty.
From £25K SME term loans to £250M unitranche structures — orchestrated across banks, debt funds and specialist platforms.
2026-modernised products inside
Brief our business finance deskBusiness Loans
Unsecured & secured term loans from £25K – £10M.
£25K – £10M · Decision in 48h · 47+ partners
Business & Corporate Finance
Structured corporate debt for £10M – £250M tickets.
£10M – £250M · Heads in 21 days · 28+ partners
Acquisition, MBO & MBI Finance
Debt-stack engineering for buy-outs from £1M – £100M.
£1M – £100M · Heads in 21 days · 22+ partners
Working Capital Lines
Revolving credit, overdrafts and seasonality lines.
£100K – £25M · Drawdown in 5 days · 31+ partners
Invoice & Receivables Finance
Disclosed, confidential and selective invoice discounting.
£50K – £50M · Live in 7 days · 24+ partners
VAT Loans
24h fundingSpread your quarterly VAT bill over 3–12 months.
£5K – £3M · Funded in 24h · 11+ partners
Tax Loans
Finance Corporation Tax, PAYE, SDLT and Customs duty bills.
£10K – £5M · Drawdown in 3 days · 9+ partners
Business Development Loans
Open-banking underwrittenUnsecured growth capital for hiring, marketing and expansion.
£25K – £500K · Decision in 24h · 18+ partners
Commercial Loans
Fixed-term commercial debt for capex, expansion and refinance.
£100K – £25M · Heads in 7 days · 27+ partners
Asset Based Lending
Whole-balance-sheet lendingUnlock working capital from receivables, stock, plant and property.
£1M – £75M · Heads in 14 days · 14+ partners
Capability 05
Asset & Working-Capital
Asset finance, trade, MCA, SaaS, RBF, embedded.
Hard-asset HP and lease alongside modern revenue-based, ARR-multiple SaaS lending and embedded BaaS programmes — for 2026 and beyond.
2026-modernised products inside
Brief our asset & working-capital deskAsset Finance & HP
Hire-purchase, lease and refinance for plant, vehicles, kit.
£10K – £15M · Decision in 48h · 38+ partners
Trade & Supply-Chain Finance
Fund import, export and supply-chain payment cycles.
£100K – £40M · Drawdown in 5 days · 17+ partners
Merchant Cash Advance
Card-receipt-aligned funding for retail, hospitality, e-commerce.
£5K – £2M · Funded in 48h · 14+ partners
SaaS & ARR Financing
Built for B2B SaaSNon-dilutive growth capital priced off ARR.
£250K – £30M · Heads in 14 days · 11+ partners
Revenue-Based Finance
API-underwrittenRepay as a percentage of monthly revenue — no equity dilution.
£25K – £5M · Funded in 24h · 9+ partners
Embedded Finance Programmes
Embedded BaaSWhite-label lending built into your customer journey.
£500K – £100M facility · Live in 90 days · 8+ partners
Plant & Machinery Finance
From CNC and excavators to full production lines.
£25K – £10M · Decision in 48h · 26+ partners
Vehicle & Fleet Finance
EV TCO modellingCars, vans and HGV fleets — purchased, leased or refinanced.
£15K – £20M · Quote in 24h · 22+ partners
Agricultural Finance
Tractors, combines, robotics and on-farm infrastructure.
£10K – £5M · Decision in 72h · 14+ partners
Marine, Boat & Yacht Finance
From day-cruisers to 50m+ superyachts.
£100K – £40M · Indicative in 5 days · 9+ partners
Aviation Finance
Light jets, turboprops, helicopters and fractional shares.
£500K – £80M · Indicative in 7 days · 7+ partners
Luxury Asset Finance
Lombard-as-a-ServiceWatches, art, jewellery and fine wine — discreetly funded.
£25K – £10M · Funds in 5 days · 11+ partners
Classic & Sports Car Finance
Appreciating-asset structures for collector vehicles.
£25K – £5M · Decision in 48h · 8+ partners
Capability 06
Insurance
Specialty risk facilitated through Lloyd's.
Property, PI, D&O, cyber, construction all-risk and bespoke specialty risks — written by underwriters who specialise.
Brief our insurance deskProperty & Landlord Insurance
Cover that fits the asset, not a template.
£250 – £250K premium · Quote in 24h · 14+ partners
PI, D&O and Cyber
Specialty lines for the risks that keep boards awake.
£500 – £150K premium · Quote in 48h · 11+ partners
Construction All-Risk & Latent Defect
CAR, employer's liability, latent defects and surety.
£2K – £500K premium · Indicative in 5 days · 8+ partners