About | Amica Capital

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About Amica Capital

Amica Capital is a specialist property finance lender providing bridging and development loans to developers, investors and property professionals across the United Kingdom. We were founded on a simple conviction: that borrowers in the property sector deserve a lender that is knowledgeable, decisive and genuinely invested in their success.

The name Amica is drawn from the Latin word for friend. It reflects the ethos at the heart of our business — that the relationship between a lender and a borrower should be one of trust, transparency and mutual benefit, not transactional indifference.

Our Background

Amica Capital was established by a team with deep roots in both the property and financial services sectors. Between us, we have advised on, structured and completed transactions across residential development, commercial investment, portfolio finance and corporate lending. We have seen the market from multiple vantage points — as advisers, as investors and as operators — and that breadth of perspective shapes the way we lend.

We recognised that a gap existed in the market for a lender that combined institutional-grade expertise with the agility and personal service of a specialist boutique. Amica Capital was built to fill that gap.

Our Approach

We take an entrepreneurial approach to lending. Where others see complexity, we look for solutions. Where others move slowly, we move with purpose. We assess each loan individually, understanding the borrower’s objectives, the asset’s potential and the credibility of the exit strategy before structuring a facility that genuinely works.

We do not rely on algorithms or remote credit committees. Decisions are made by senior, experienced professionals who are accessible, direct and accountable. When we say yes, we mean it. And when we have concerns, we explain them clearly and work with the borrower to find a path forward.

Our Values

01

Integrity

We are transparent in our pricing, honest in our communication and consistent in our conduct. Borrowers and brokers know exactly where they stand with us at every stage of the transaction.

02

Expertise

Our team brings together experience across property development, structured finance, real estate investment and deal execution. That expertise allows us to understand opportunities with nuance and provide funding solutions that are genuinely fit for purpose.

03

Responsiveness

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.

04

Partnership

We think of ourselves as a funding partner, not simply a capital provider. We want to understand our borrowers’ longer-term ambitions and to support them across multiple transactions as a trusted and consistent source of finance.

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.

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.

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