Access Capital is a specialist brokerage arranging bridging, development and commercial mortgage facilities from £250k to £100m for property investors, developers and SME operators across the United Kingdom.
Direct relationships with Tier 1 & specialist lenders
— Our approach
Access Capital is built around a small team of senior originators with deep experience across institutional and specialist lending. Every mandate is led by a partner, taken to market with a tailored information memorandum, and negotiated directly with credit committees — never a call centre.
The result is faster execution, sharper pricing, and structures that survive contact with reality. Whether you’re refinancing a portfolio, drawing down on a scheme in Manchester, or buying out a co-investor — we work to your deadline, not the lender’s.
— Solutions
Short-term capital for acquisitions, auction purchases, chain breaks and refurbishment. Drawdown in as little as 7 working days.
Senior, stretched-senior and mezzanine facilities for ground-up residential, mixed-use and PBSA schemes from £2m to £75m.
Long-term investment finance for owner-occupiers and landlords across office, retail, industrial and mixed-use assets.
Release working capital from receivables, plant & machinery, or vehicle fleets to fund growth without diluting equity.
— Sectors
£42m refinance · City of London
£18.5m acquisition · West Midlands
£11m bridge-to-let · Edinburgh
— Process
A disciplined four-stage process refined over fifteen years and £2.4bn of completed transactions.
A 30-minute conversation to understand the asset, the structure and your deadline. No forms, no portals.
We model the deal across our panel of 180+ lenders and return 3–5 indicative term sheets within 72 hours.
We negotiate covenants, fees and rate on your behalf — typically saving clients 40–80bps versus DIY routes.
We manage valuation, legals and credit-committee through to completion, with a single point of contact throughout.
“Access Capital secured a development facility for our scheme in under three weeks, beating the rate on our previous senior debt by nearly a full percentage point. They negotiate like principals, not brokers.”
— The firm
Access Capital was built on a simple thesis: borrowers deserve a finance partner that thinks like a principal, not a switchboard.
We operate across the United Kingdom with a dedicated team focused on commercial real estate and SME finance.
Send us the headline numbers and we’ll come back with indicative terms within two working days. No obligation, no credit footprint.
We typically respond to enquiries within one working day.