Lending Solutions | Amica Capital

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Finance Structured Around the Opportunity

We offer a focused range of specialist property finance products, each designed to meet the practical needs of developers, investors and property professionals operating in the current UK market. Every facility we provide is individually structured — shaped around the asset, the borrower and the exit strategy.

Residential Bridging Finance

Our residential bridging loans provide short-term capital for borrowers who need to move quickly. Whether you are acquiring a property at auction, refinancing a portfolio ahead of a longer-term mortgage or bridging a funding gap between transactions, we can provide a swift, reliable solution.

Development Finance

We provide development finance for ground-up residential schemes, conversion projects and mixed-use developments across England and Wales. Our development loans cover both land purchase and construction costs, structured to release funds in stages aligned with build progress.

Available for new-build residential schemes and conversions
Day-one LTVs for land purchase up to 75%
Loan-to-gross-development-value (LTGDV) up to 65%
Professional development monitoring throughout the build
Exits via sale or refinance to a term lender

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.