Your Partner For Growth

Specialist bridging, development and mezzanine finance for UK property professionals.

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    About-Amica-Capital

    About Amica Capital

    At Amica Capital, we believe that access to the right finance at the right time can define the success of a project. We are a specialist unregulated property lender providing bridging and development loans to developers, investors and brokers across the United Kingdom.

    We are not a high-street bank. We are a team of experienced property and finance professionals who make decisions based on the merit of the deal and the quality of the borrower, not on automated scoring systems or rigid institutional criteria. Every loan we write is structured thoughtfully, structured quickly and structured to work.

    Our Products at a Glance

    Bridging Finance – Residential

    Short-term funding secured against residential property, structured with a focus on capital preservation and certainty of exit. Read More

    At Amica Capital, we believe that access to the right finance at the right time can define the success of a project. We are a specialist unregulated property lender providing bridging and development loans to developers, investors and brokers across the United Kingdom.

    At Amica Capital, we believe that access to the right finance at the right time can define the success of a project. We are a specialist unregulated property lender providing bridging and development loans to developers, investors and brokers across the United Kingdom.

    At Amica Capital, we believe that access to the right finance at the right time can define the success of a project. We are a specialist unregulated property lender providing bridging and development loans to developers, investors and brokers across the United Kingdom.

    At Amica Capital, we believe that access to the right finance at the right time can define the success of a project. We are a specialist unregulated property lender providing bridging and development loans to developers, investors and brokers across the United Kingdom.

    At Amica Capital, we believe that access to the right finance at the right time can define the success of a project. We are a specialist unregulated property lender providing bridging and development loans to developers, investors and brokers across the United Kingdom.
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    Why Borrowers Choose Amica Capital

    Speed of Decision

    In property, timing is everything. We understand that a delayed decision can cost a borrower a deal. Our experienced credit team moves quickly, with clear lines of communication from initial enquiry through to offer.

    Flexible, Bespoke Lending

    No two projects are identical, e consider each loan on its own merits, structuring finance that reflects the reality of the deal rather than forcing it into a standard template.

    People Who Understand Property

    Our team has direct experience across property development, accountancy, and real estate finance. We can assess complex opportunities and provide solutions where other lenders may hesitate. We speak the language of property because we have worked in it.

    Long-Term Relationships

    Many of our borrowers return to us time and again. We take a collaborative approach to lending and work hard to build genuine partnerships with the developers, investors and brokers we support.

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    Who We Work With

    We work with property developers, experienced landlords, commercial investors and the intermediaries who support them. Our borrowers range from individuals executing their first major development to established businesses managing substantial portfolios. What they share is a need for a lender that understands property and delivers. 

    We also work closely with brokers and introducers, and we take those relationships seriously. We are communicative,  reliable and fair in how we engage with our intermediary partners.

    What Our Clients Say

    Enquire Today

    If you have a project in mind, we would love to hear about it. Contact us for a no-obligation discussion and an indicative quote.

    Frequently Asked Questions

    Bridging Finance – Residential

    Short-term funding secured against residential property, structured with a focus on capital preservation and certainty of exit. Read More

    Development finance is rarely simple. Most projects require a layered approach to funding, and understanding how the different components of the capital stack interact is fundamental to structuring a successful scheme.
    Commercial property transactions operate to their own logic. The assets are diverse, the tenancy arrangements are complex and the window in which to act is often narrow. For investors, operators and developers working across office, retail, industrial and mixed-use sectors, having access to fast, reliable commercial bridging loans in the UK is not a luxury — it is frequently a commercial necessity.
    Amica Capital provides specialist property portfolio finance in the UK for landlords, investors and operators managing collections of residential, commercial and mixed-use assets. We take a holistic view of the portfolio, structuring facilities that are efficient, coherent and properly aligned with your investment strategy and longer-term objectives.
    We understand that refurbishment projects are dynamic. Costs can move. Programmes shift. Unexpected structural or condition issues arise. Our approach to property refurbishment finance in the UK is built around that reality — pragmatic, flexible and supported by a team with direct experience in property development and renovation.
    Amica Capital exists, in part, for exactly these situations. Our bespoke property finance in the UK is designed for deals that require genuine thought, original structuring and a lender who can engage with complexity rather than retreat from it. If your requirement does not fit a standard template, you are not at a disadvantage with Amica Capital — you are in precisely the right place.