How it Work | Amica Capital

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A Straightforward Process, From Enquiry to Drawdown

We have designed our lending process to be as efficient and transparent as possible. We know that borrowers value certainty and speed, and we have built our workflow to deliver both. Below is an overview of how a typical transaction with Amica Capital progresses from initial contact through to completion.

Step 1

Initial Enquiry

The first step is simply to get in touch. You can contact us by email with an outline of your project, the finance you require, and your anticipated timeline. At this stage, we do not require extensive documentation. A clear summary of the opportunity is sufficient for us to give you an initial view.

We respond to all enquiries promptly. In most cases, you will hear from a member of our team on the same working day.

Commercial Bridging Finance

For investors and operators looking to acquire or refinance commercial property, we provide bridging facilities backed by a clear understanding of commercial asset classes. We look at the fundamentals of the asset and the credibility of the borrower’s plan, enabling us to support transactions that more cautious lenders might decline.

Portfolio Finance

For landlords and investors holding multiple residential or commercial assets, we offer portfolio-level bridging and refinancing solutions. We take a holistic view of the portfolio rather than assessing each property in isolation, enabling us to provide facilities that are efficient, coherent and aligned with the borrower’s overall strategy.

Refurbishment Finance

For borrowers undertaking light-to-medium refurbishment of residential or commercial property, we provide flexible funding that covers both the acquisition and the works. We structure drawdown schedules to align with your programme of work, providing capital as and when it is needed.

Get in Touch

To learn more about Amica Capital or to discuss how we can support your next project, please do not hesitate to contact us.