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Elect Capital Reviews

Elect Capital is known for its reliable financial solutions, offering tailored loan options that cater to diverse borrower needs efficiently.

Here are the Trustpilot Reviews from Elect Capital:

Here are the Reviews from Elect Capital:

Super fast and easy, excellent company to work, special thanks David!

Razaul

David from Elect is always available and very quick response to any pending query, goes above and beyond and unlike so many, is always contactable! 10/10 service

Rob Askey

I have received great services from Elect capital for my clients. Especially David Shooter personalised service is excellent. He always ready to help. Top class for service.

Mo Samad

Having worked with David on multiple loans for my clients, he is very quick and reliable. Elect get the job done quickly and smoothly, helping our clients with their funding requirements.

Perry Osborne

David was great to work with, always answers promptly and helped me secure funding with no hassle.

Chris

Shaya worked efficiently and effectively, I was very satisfied.

Noga Ebrahimoff

Explore Elect Capital's Business loans:

Standard Bridging Loan

£100,000 – £10,000,000

Refurbishment Finance (Light & Heavy)

£100,000 – £5,000,000

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Explore Elect Capital's Business loans:

Loan Type:

Standard Bridging Loan

Loan Range:

£100,000 – £10,000,000

Loan Terms:

3 – 24 months

Minimum Turnover and Trading Age:

No minimum business turnover; loan assessed on asset value and exit strategy

Interest Rate:

0.60% – 1.25% per month (interest can be rolled or serviced)

Fees:

2% arrangement fee; 1% exit fee (waived if refinancing with Elect Capital term product); valuation & legal costs payable by borrower

Loan Type:

Refurbishment Finance (Light & Heavy)

Loan Range:

£100,000 – £5,000,000

Loan Terms:

6 – 18 months

Minimum Turnover and Trading Age:

None specified; borrower must evidence refurbishment experience or employ qualified contractor

Interest Rate:

0.75% – 1.35% per month

Fees:

2% arrangement fee; exit fee 1% or 0% if GDV covenants met; drawdown monitoring fees apply

Loan Type:

Ground-Up Development Finance

Loan Range:

£500,000 – £15,000,000

Loan Terms:

12 – 30 months

Minimum Turnover and Trading Age:

Developer track record of at least one completed scheme

Interest Rate:

7.5% – 10.5% pa (drawn balance) or 0.70% – 1.10% pm

Fees:

2% arrangement; exit fee 1% of GDV or 20% of uplift; monitoring & QS fees

Loan Type:

Auction Finance

Loan Range:

£75,000 – £2,000,000

Loan Terms:

1 – 12 months

Minimum Turnover and Trading Age:

Not applicable; available to individuals, companies and SPVs

Interest Rate:

0.85% – 1.30% per month

Fees:

2% arrangement fee; no exit fee if repaid within 6 months; valuation fees may be retrospective desktop to speed completion

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More About Elect Capital

Elect Capital Limited is a UK-based specialist property finance lender established in 2020. It offers short-term bridging loans, refurbishment finance, auction finance, and development funding primarily to property professionals and SMEs. The lender operates through intermediaries and is governed by UK company law, but its core lending products are unregulated bridging loans, making it not FCA-authorised for the majority of its activities. This provider may suit experienced property investors and developers seeking fast, flexible short-term funding rather than those looking for traditional mortgages or unsecured loans. Learn more about bridging loans and business loans available in the UK.

Key Features of Elect Capital

Elect Capital offers practical and flexible solutions tailored to professional borrowers needing speed and asset-backed finance.

Rapid credit decisions with indicative terms within 2–4 hours and completions possible in as little as 5 days, supporting instant decision loans.
High loan-to-value options with up to 75% LTV on standard bridging loans and 70% GDV on development finance, explained in our loan to value (LTV) guide.
Dedicated relationship managers and strong broker support, aligned with the broker lender model.
Flexible underwriting for non-standard assets and borrower circumstances, with ability to roll or service interest offering cash-flow flexibility.
Nationwide coverage across England, Wales, and parts of mainland Scotland, though with some geographic exclusions.

Funding Eligibility Requirements

You may qualify for Elect Capital funding if your loan is supported by suitable property security and you have a clear exit strategy. Personal guarantees from directors or major shareholders are usually mandatory. Eligibility criteria also consider trading experience and refurbishment or development track records where relevant. For more on guarantees and loan eligibility, see resources on personal guarantees, director responsibilities in director guarantees, and general loan eligibility requirements.

Loan Options from Elect Capital

Elect Capital provides several specialist short-term property finance products, suitable for investors, developers, and SMEs.

Standard Bridging Loan: Amounts from £100,000 to £10 million with terms of 3 to 24 months. Interest typically between 0.60% and 1.25% per month. Up to 75% loan-to-value on purchase or refinance. No early repayment fee after 3 months. More details at bridge loan overview.
Refurbishment Finance (Light & Heavy): £100,000 to £5 million, for 6 to 18 months, funding up to 100% of build costs in stages. Interest rates range from 0.75% to 1.35% per month. Suitable for light cosmetic to heavy structural works with professional monitoring. See alternative finance loans for context.
Ground-Up Development Finance: £500,000 up to £15 million, terms 12 to 30 months. Interest from 0.70% to 1.10% monthly, or annually 7.5% to 10.5%. Up to 85% loan-to-cost and 70% LTGDV. Requires prior developer experience. Learn about development finance.
Auction Finance: £75,000 to £2 million, short terms of 1 to 12 months, at rates 0.85% to 1.30% per month. Designed for auction purchases with quick decisions within 2 hours and closes within 7-10 days. More on this at bridging loans for small businesses.

How to Apply for Funding

The application process is largely digital, designed to support fast evaluation and funding while ensuring all regulatory checks.

Submit an online enquiry form either directly or via an accredited broker. Begin at the request funding form.
Provide documentation including ID and proof of address for directors, asset and liability statements, property details, valuations or automated valuations where applicable, exit strategy evidence, and refurbishment schedules if required. See loan application process.
Expect indicative lending terms within 2–4 hours and fully credit-backed offers in 24–48 hours after submission of a complete application pack.
Completions can occur as early as 5 working days, depending on valuation and legal processes.

Funding Agent’s view on Elect Capital

Elect Capital is positioned as a nimble specialist lending option for professional property investors and developers who require rapid decisions and flexibility. Its products focus on short-term property-backed finance rather than traditional mortgages, making it most appropriate for experienced borrowers with clear exit plans. Personal guarantees and higher cost structures reflect the specialist, unregulated nature of its offerings. Those seeking longer-term or unsecured loans, or first-time borrowers, may find other lenders more suited to their needs. Explore useful tools like our loan comparison tool, check your eligibility, or browse alternative finance loans to understand your options.