Capabilities Library · OS for orchestrated capital

Every capability we orchestrate.
Searchable. Lensed. Composable.

Forty-eight deep specialisms across six pillars. Filter, lens by audience, then stack the ones you need into a single brief — the way our desk actually orchestrates.

Lens

Re-rank the library by who you are: The full briefing room.

Trending — moved this week

Capabilities our desk placed in the last 7 days.

Bridging Repricing

Development Exit Finance

−25 bps on 65% LTGDV

Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.

Bridging Loosening

Regulated Bridging

Now lending to 80% LTV (was 75%)

Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.

Business Finance Held

Working Capital Lines

Margins held; covenants softened

Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.

Business Finance Repricing

Business & Corporate Finance

Pulled appetite for hospitality

Second consecutive quarter of arrears uptick in casual dining cohort.

Asset & Working-Capital Repricing

Asset Finance & HP

0% interest on 36-month deals to £250k

Manufacturer subsidy to clear Q1 stock. Closes 30 June.

Mortgages Repricing

Residential Mortgages

Hurdle IRR cut 150 bps for repeat sponsors

Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.

Capability atlas

Every specialism, sized by the cheques we write.

A bird's-eye view of the orchestration surface. Bigger tile = bigger ticket ceiling. Hover for the capability, click to brief the desk.

MortgagesBridgingDevelopment FinanceBusiness FinanceAsset & Working-CapitalInsurance

Mortgages

7
Commercial Mortgages£75MInternational Property Loans£50MBTL & Portfolio Lending£40MExpat & Foreign-National Mortgages£25MResidential Mortgages£20MMortgages on Foreign Income£15MAdverse Credit & CCJ Mortgages£3M

Bridging

4
Development Exit Finance£40MUnregulated & Commercial Bridging£25MRe-Bridging Finance£20MRegulated Bridging£10M

Development Finance

11
BTR & PRS Forward Funding£500MBuild-to-Rent Operator Lines£400MGround-Up Development Finance£150MHotel & Hospitality Development Finance£150MCommercial Development Finance£100MGreen & Net-Zero Development Finance£100MConstruction Financing£80MStretched-Senior, Mezzanine & Stretched-Debt£80MJoint Venture Development Finance£60MRefurbishment & Conversion Finance£25MFirst-Time Developer Finance£8M

Business Finance

10
Business & Corporate Finance£250MAcquisition, MBO & MBI Finance£100MAsset Based Lending£75MInvoice & Receivables Finance£50MWorking Capital Lines£25MCommercial Loans£25MBusiness Loans£10MTax Loans£5MVAT Loans£3MBusiness Development Loans£500K

Asset & Working-Capital

13
Aviation Finance£80MTrade & Supply-Chain Finance£40MMarine, Boat & Yacht Finance£40MSaaS & ARR Financing£30MVehicle & Fleet Finance£20MAsset Finance & HP£15MPlant & Machinery Finance£10MLuxury Asset Finance£10MRevenue-Based Finance£5MAgricultural Finance£5MClassic & Sports Car Finance£5MMerchant Cash Advance£2MEmbedded Finance Programmes£100M facility

Insurance

3
Property & Landlord Insurance£250K premiumPI, D&O and Cyber£150K premiumConstruction All-Risk & Latent Defect£500K premium

Stack builder · world-first

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Pick up to 5 capabilities. We'll combine the ticket range, partner count and sector reach — and orchestrate them as a single mandate.

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Showing 48 of 48

Mortgages

Residential Mortgages

From first homes to £20M private-bank lending.

Whole-of-market residential lending across 90+ panels — including private banks invisible to the high street.

Ticket
£250K – £20M
Speed
AIP in 48h
Partners
92+
Whole-of-marketPrivate bank accessComplex income welcome
Open capability
Mortgages

BTL & Portfolio Lending

Portfolio refinances, SPV structures, mixed-use HMOs.

Portfolio landlords and SPVs deserve a partner who reads the whole portfolio, not just the next property.

Ticket
£500K – £40M
Speed
Decision in 5 days
Partners
38+
Portfolio aggregationSPV-friendlyHMO / MUFB
Open capability
Mortgages

Commercial Mortgages

Owner-occupier and investment commercial property finance.

Industrial, retail, office, mixed-use and leisure — placed with challenger banks, debt funds and clearing banks.

Ticket
£500K – £75M
Speed
AIP in 7 days
Partners
41+
Owner-occ & investment5–25yr termsInterest-only available
Open capability
Mortgages

Expat & Foreign-National Mortgages

UK lending for non-doms, expats and overseas nationals.

Lenders comfortable with non-UK income, complex residency, multi-currency assets and overseas tax structures.

Ticket
£500K – £25M
Speed
AIP in 5–7 days
Partners
24+
32 jurisdictionsMulti-currency incomeLombard overlay
Open capability
Mortgages

Mortgages on Foreign Income

USD, EUR, AED, SGD, HKD income — underwritten cleanly.

UK property lending for borrowers paid in foreign currency — including FX-haircut modelling and dual-jurisdiction tax pre-clearance.

Ticket
£400K – £15M
Speed
AIP in 7 days
Partners
19+
12+ accepted currenciesFX-haircut modellingDual-jurisdiction tax
Open capability
Mortgages

International Property Loans

Cross-border lending for property in EU, MENA, North America.

Acquisition and refinance of property held in 18 jurisdictions — placed with lenders licensed in-country and underwritten centrally.

Ticket
£500K – £50M
Speed
Heads in 14 days
Partners
27+
18 jurisdictionsEUR / USD / AED denominatedCross-collateral structures
Open capability
Mortgages

Adverse Credit & CCJ Mortgages

Lenders who underwrite the story, not just the score.

CCJs, missed payments, IVAs and discharged bankruptcies — placed with specialist lenders that look beyond the credit file.

Ticket
£150K – £3M
Speed
Offer in 14 days
Partners
18+
CCJ tolerantDay-one dischargeSelf-employed welcome
Open capability
Bridging

Regulated Bridging

Chain-break and own-home bridging in 5–10 days.

Move on a property when timing won't wait — placed with lenders that actually fund, not just quote.

Ticket
£250K – £10M
Speed
5–10 day completion
Partners
22+
Chain-breakAuctionLight refurb
Open capability
Bridging

Unregulated & Commercial Bridging

Investment, refurb and exit bridges from £100K – £25M.

Speed and flexibility for investors and developers — including light/heavy refurbishment and re-bridges.

Ticket
£100K – £25M
Speed
5–14 day completion
Partners
34+
Heavy refurbRe-bridgeBMV purchase
Open capability
Bridging

Re-Bridging Finance

Replace an expiring bridge before it defaults.

When the original lender won't extend and the exit isn't ready, we re-bridge with funders that price the new horizon — not the old one.

Ticket
£250K – £20M
Speed
10-day completion
Partners
16+
Pre-default rescueSame-week headsUp to 75% LTV
Open capability
Bridging

Development Exit Finance

Refinance practical-completion debt while units sell.

Cheaper than holding development finance through the sales period — release equity, lower the cost of capital and extend the runway.

Ticket
£500K – £40M
Speed
Heads in 10 days
Partners
19+
Release equityUp to 75% LTVSell-down friendly
Open capability
Development Finance

Ground-Up Development Finance

Senior debt for ground-up residential and mixed-use schemes.

Senior development finance from £1M to £150M, structured around your scheme's economics.

Ticket
£1M – £150M
Speed
Heads in 10 days
Partners
28+
Up to 65% LTGDVDrawdown automationSite cost included
Open capability
Development Finance

Construction Financing

Drawdown-aligned facilities indexed to QS sign-off.

Construction-only finance for landowners and contractors — release tranches against valuer-confirmed milestones, not arbitrary calendar dates.

Ticket
£750K – £80M
Speed
Drawdown in 7 days
Partners
21+
QS-aligned tranchesMaterials inflation hedgingRetention release
Open capability
Development Finance

Commercial Development Finance

Industrial, logistics, retail and mixed-use development.

Development senior debt for non-residential schemes — including last-mile logistics, light industrial and trade counters.

Ticket
£2M – £100M
Speed
Heads in 14 days
Partners
22+
Logistics & light industrialPre-let weightingGDV vs end-yield models
Open capability
Development Finance

First-Time Developer Finance

Lenders who back the team, not just the track record.

Senior debt for first-scheme developers — placed with lenders that underwrite the professional team, contractor and QS as a unit.

Ticket
£500K – £8M
Speed
Heads in 14 days
Partners
11+
No prior schemes requiredMentor-led structuringUp to 60% LTGDV
Open capability
Development Finance

Joint Venture Development Finance

Equity-light JV structures with profit-share funders.

100% land + build cost JV partnerships for experienced developers — structured fairly, exited cleanly.

Ticket
£2M – £60M
Speed
Heads in 21 days
Partners
14+
100% LTC availableProfit share 30–50%Promote-fee structures
Open capability
Development Finance

Stretched-Senior, Mezzanine & Stretched-Debt

Higher gearing without a JV — up to 90% LTC.

Stretched-senior, mezzanine and stretched-debt layers for developers seeking equity efficiency without sharing the upside.

Ticket
£2M – £80M
Speed
Heads in 14 days
Partners
19+
Up to 90% LTCSingle-tranche optionProfit-share alternative
Open capability
Development Finance

Refurbishment & Conversion Finance

Light, heavy, permitted-development and listed-building refurb.

End-to-end refurb finance — from cosmetic re-fit to structural conversion under permitted development rights.

Ticket
£300K – £25M
Speed
Heads in 10 days
Partners
26+
Light & heavy refurbPD conversionsListed-building specialists
Open capability
Development Finance

Hotel & Hospitality Development Finance

Branded, boutique and resort schemes — ground-up to refurb.

Hotel-specialist development finance — including franchise pre-clearance, brand-flag negotiation and operator JV introductions.

Ticket
£5M – £150M
Speed
Heads in 21 days
Partners
13+
Brand-flag negotiationOperator JV introRevPAR-indexed covenants
Open capability
Development Finance

BTR & PRS Forward Funding

Programmatic capital for institutional-grade portfolios.

Forward-funding lines for build-to-rent operators and developers running multi-scheme programmes.

Ticket
£20M – £500M
Speed
Programme in 60 days
Partners
9+
ProgrammaticForward-fundedStabilisation overlay
Open capability
Development Finance

Build-to-Rent Operator Lines

Operating debt and stabilisation finance for BTR landlords.

Once a BTR scheme is built and let, switch from development debt to long-dated investment debt — at institutional pricing.

Ticket
£15M – £400M
Speed
Heads in 30 days
Partners
11+
10–25yr termsInflation-linked optionsESG-priced lines
Open capability
Development Finance

Green & Net-Zero Development Finance

Discounted senior debt for EPC-A schemes and Passivhaus builds.

Margin-discounted development debt for schemes hitting EPC-A, Passivhaus, BREEAM Excellent or net-zero-in-operation thresholds.

Ticket
£2M – £100M
Speed
Heads in 14 days
Partners
12+
Up to 60 bps margin discountEmbodied-carbon underwritingGreen-linked covenants
Open capability
Business Finance

Business Loans

Unsecured & secured term loans from £25K – £10M.

Term debt for growth, hiring, expansion or capital projects — placed across high-street banks, challengers and direct-lending funds.

Ticket
£25K – £10M
Speed
Decision in 48h
Partners
47+
Unsecured up to £500KSecured to £10M1–7 year terms
Open capability
Business Finance

Business & Corporate Finance

Structured corporate debt for £10M – £250M tickets.

Senior, unitranche, second-lien and PIK structures for mid-market corporates — including LBO, growth and refinance use cases.

Ticket
£10M – £250M
Speed
Heads in 21 days
Partners
28+
Unitranche & second-lienCov-lite availablePIK toggles
Open capability
Business Finance

Acquisition, MBO & MBI Finance

Debt-stack engineering for buy-outs from £1M – £100M.

Senior + mezz + vendor-loan structures for management buy-outs, buy-ins and bolt-on acquisitions.

Ticket
£1M – £100M
Speed
Heads in 21 days
Partners
22+
Senior + mezz stacksVendor-loan negotiationEarnout structuring
Open capability
Business Finance

Working Capital Lines

Revolving credit, overdrafts and seasonality lines.

Flexible drawdown facilities sized to your working-capital cycle — including seasonal RCFs and dynamic-discounting overlays.

Ticket
£100K – £25M
Speed
Drawdown in 5 days
Partners
31+
Revolving creditSeasonality linesDynamic discounting
Open capability
Business Finance

Invoice & Receivables Finance

Disclosed, confidential and selective invoice discounting.

Unlock cash from your sales ledger — selective single-invoice, confidential whole-book and disclosed factoring options.

Ticket
£50K – £50M
Speed
Live in 7 days
Partners
24+
Selective single-invoiceConfidential IDUp to 90% advance
Open capability
Business Finance

VAT Loans

Spread your quarterly VAT bill over 3–12 months.

Short-dated finance written specifically against your HMRC VAT liability — paid direct to HMRC, repaid on a profile that fits your trading rhythm.

Ticket
£5K – £3M
Speed
Funded in 24h
Partners
11+
3–12 month termsDirect-to-HMRC paymentNo security on most cases
Open capability
Business Finance

Tax Loans

Finance Corporation Tax, PAYE, SDLT and Customs duty bills.

Spread the cost of any HMRC liability — Corporation Tax, PAYE/NIC, SDLT and Customs duty — over 6–12 months with direct-to-HMRC settlement.

Ticket
£10K – £5M
Speed
Drawdown in 3 days
Partners
9+
CT, PAYE, SDLT, Customs6–12 month termsDirect-to-HMRC payment
Open capability
Business Finance

Business Development Loans

Unsecured growth capital for hiring, marketing and expansion.

Unsecured term loans from £25K to £500K placed with challenger banks and specialist SME funders — sized to growth plans, not just historic accounts.

Ticket
£25K – £500K
Speed
Decision in 24h
Partners
18+
Unsecured to £250K1–6 year termsForward-looking underwriting
Open capability
Business Finance

Commercial Loans

Fixed-term commercial debt for capex, expansion and refinance.

Whole-of-market secured and unsecured commercial loans from £100K to £25M — fixed rates, predictable repayments, structured to your tenor.

Ticket
£100K – £25M
Speed
Heads in 7 days
Partners
27+
Fixed-term predictabilitySecured & unsecured1–10 year tenors
Open capability
Business Finance

Asset Based Lending

Unlock working capital from receivables, stock, plant and property.

Bundled facilities that lend across your full balance sheet — receivables, inventory, plant & machinery and property — for one larger, cheaper, more flexible line.

Ticket
£1M – £75M
Speed
Heads in 14 days
Partners
14+
Multi-asset borrowing baseReceivables + stock + P&M + propertyCashflow overlay
Open capability
Asset & Working-Capital

Asset Finance & HP

Hire-purchase, lease and refinance for plant, vehicles, kit.

Acquire or refinance hard assets — from CNC machines to commercial fleets — across 38 specialist asset funders.

Ticket
£10K – £15M
Speed
Decision in 48h
Partners
38+
HP & leaseSale & leasebackSoft & hard assets
Open capability
Asset & Working-Capital

Trade & Supply-Chain Finance

Fund import, export and supply-chain payment cycles.

Letters of credit, trade loans, supplier finance and forfaiting — bridge the gap between supplier payment and customer receipt.

Ticket
£100K – £40M
Speed
Drawdown in 5 days
Partners
17+
LCs & guaranteesSupplier financeForfaiting
Open capability
Asset & Working-Capital

Merchant Cash Advance

Card-receipt-aligned funding for retail, hospitality, e-commerce.

Repay as you earn — advances repaid as a percentage of daily card receipts. No fixed monthly payment.

Ticket
£5K – £2M
Speed
Funded in 48h
Partners
14+
No fixed repaymentCard-receipt aligned12-month max term
Open capability
Asset & Working-Capital

SaaS & ARR Financing

Non-dilutive growth capital priced off ARR.

Recurring-revenue lending for B2B SaaS — turn $1 of ARR into $3–6 of debt without diluting equity.

Ticket
£250K – £30M
Speed
Heads in 14 days
Partners
11+
Non-dilutiveARR multiple lendingVenture-debt overlay
Open capability
Asset & Working-Capital

Revenue-Based Finance

Repay as a percentage of monthly revenue — no equity dilution.

API-underwritten growth capital for D2C, marketplace and subscription businesses — drawn against verified revenue streams.

Ticket
£25K – £5M
Speed
Funded in 24h
Partners
9+
No personal guaranteesAPI-underwrittenTop-up at 50% repaid
Open capability
Asset & Working-Capital

Embedded Finance Programmes

White-label lending built into your customer journey.

Stand up a lending programme inside your own product — we orchestrate the funding partner, BaaS rails, KYC and compliance.

Ticket
£500K – £100M facility
Speed
Live in 90 days
Partners
8+
White-labelBaaS-rail integratedRevenue-share economics
Open capability
Asset & Working-Capital

Plant & Machinery Finance

From CNC and excavators to full production lines.

Hire-purchase, lease and refinance for new and used heavy plant — across construction, manufacturing, agri and recycling.

Ticket
£25K – £10M
Speed
Decision in 48h
Partners
26+
New & usedSoft & hard assetsBlock discounting
Open capability
Asset & Working-Capital

Vehicle & Fleet Finance

Cars, vans and HGV fleets — purchased, leased or refinanced.

Contract hire, hire-purchase, finance lease and salary-sacrifice EV programmes — single units to 500+ vehicle fleets.

Ticket
£15K – £20M
Speed
Quote in 24h
Partners
22+
EV & ICESalary sacrificeWhole-of-fleet refinance
Open capability
Asset & Working-Capital

Agricultural Finance

Tractors, combines, robotics and on-farm infrastructure.

Seasonal-aligned hire-purchase and lease for the agri sector — including precision-ag tech and renewables on-farm.

Ticket
£10K – £5M
Speed
Decision in 72h
Partners
14+
Seasonal repaymentPrecision-ag techOn-farm solar
Open capability
Asset & Working-Capital

Marine, Boat & Yacht Finance

From day-cruisers to 50m+ superyachts.

Marine mortgages and lease structures across UK, Channel Islands and Med-flagged vessels, with charter-income recognition.

Ticket
£100K – £40M
Speed
Indicative in 5 days
Partners
9+
Charter incomeMulti-flag jurisdictionsRefinance
Open capability
Asset & Working-Capital

Aviation Finance

Light jets, turboprops, helicopters and fractional shares.

Aircraft acquisition, refinance and operating lease structures — with charter-revenue and fractional models supported.

Ticket
£500K – £80M
Speed
Indicative in 7 days
Partners
7+
Operating leaseCharter revenueFractional models
Open capability
Asset & Working-Capital

Luxury Asset Finance

Watches, art, jewellery and fine wine — discreetly funded.

Lombard-style lending against insured, appraised luxury assets — typically used as bridge liquidity for HNW clients.

Ticket
£25K – £10M
Speed
Funds in 5 days
Partners
11+
Discreet vaultingUp to 70% LTVRoll-over interest
Open capability
Asset & Working-Capital

Classic & Sports Car Finance

Appreciating-asset structures for collector vehicles.

Hire-purchase, balloon and refinance structures designed for vehicles that hold or appreciate in value.

Ticket
£25K – £5M
Speed
Decision in 48h
Partners
8+
Balloon structuresRefinance to releaseCollection-wide
Open capability
Insurance

Property & Landlord Insurance

Cover that fits the asset, not a template.

Building, contents, loss-of-rent, unoccupied and portfolio cover — placed in the London market.

Ticket
£250 – £250K premium
Speed
Quote in 24h
Partners
14+
Portfolio aggregationUnoccupied coverLoss-of-rent
Open capability
Insurance

PI, D&O and Cyber

Specialty lines for the risks that keep boards awake.

Professional indemnity, directors' & officers', and cyber liability — written by underwriters who specialise.

Ticket
£500 – £150K premium
Speed
Quote in 48h
Partners
11+
Lloyd's syndicatesCyber + tech E&OD&O Side A
Open capability
Insurance

Construction All-Risk & Latent Defect

CAR, employer's liability, latent defects and surety.

End-to-end construction cover from groundworks to 12-year LDI — bundled where it makes commercial sense.

Ticket
£2K – £500K premium
Speed
Indicative in 5 days
Partners
8+
CAR + EL bundle10/12yr LDIPerformance bonds
Open capability