Greenfield Capital is a UK-based property finance lender founded in 2018. It provides short-term bridging, refurbishment and development finance primarily for professional landlords, developers and intermediaries. The lender offers funding secured against UK property using its own capital, and it is registered with the Financial Conduct Authority for limited consumer-credit activities. Its lending focus is on business-purpose loans rather than consumer transactions. This lender may suit experienced investors able to provide UK property security and requiring rapid funding solutions. See our financing options and lender overview for more context.
Key Features of Greenfield Capital
Greenfield Capital emphasises a quick, flexible lending process with dedicated support and efficient legal services. These features aim to accommodate complex property finance needs with swift credit decisions and flexible interest arrangements.
- Rapid credit decisions with indicative terms usually within hours; see bridging loans.
- Funding completion in as little as 3 to 10 days, useful for auctions and time-sensitive purchases; details at auction finance.
- Flexible underwriting considers complex credit profiles and structures; refer to asset-based lending.
- In-house legal and valuation panels streamline the due diligence process; related info on valuation and legal charge.
- Dedicated relationship managers provide direct contact throughout the loan lifecycle; see lender support on lender services.
Funding Eligibility
You may qualify for Greenfield Capital funding if you own or control UK property assets, as loans require UK real estate security. No minimum trading period is required for property-owning special purpose vehicles or individuals. Experience is preferred for development loans. Personal guarantees from directors or major shareholders are generally mandatory. Owner-occupied residential borrowers are excluded, and geographic coverage is primarily England and Wales, with Scotland and Northern Ireland considered case-by-case. For details, explore business loan qualifications, business loans eligibility, and personal guarantees.
Loan Options
Greenfield Capital offers several short-term property finance loan types suited to varying needs. These include bridging loans, refurbishment finance, ground-up development finance, and auction finance. Each option varies by amount, term, and interest rate.
- Residential & Commercial Bridging Loan with £50,000 to £10 million amounts, 1 to 24 months terms, and interest from 0.55% to 1.30% per month. Suitable for purchase, refinance or capital raising. See bridging loans.
- Light & Heavy Refurbishment Finance ranging from £75,000 to £5 million, 3 to 18 months terms, interest 0.65% to 1.40% per month. Funds staged drawdowns for conversions and heavy works. Details at refurbishment finance.
- Ground-Up Development Finance from £500,000 to £15 million, 12 to 36 months terms, with rates from 7.0% to 12.0% per annum rolled into facility. For schemes requiring planning consent and professional teams. See development finance.
- Auction Finance offering £50,000 to £3 million, terms 1 to 12 months, interest between 0.60% and 1.25% monthly. Fast decisions for auction purchases. See auction finance.
How to Apply
Applications to Greenfield Capital are managed online with underwriter support. Expect a prompt decision process following submitted documentation. Preparation of documents and exit strategy evidence is essential.
- Submit an online enquiry with details of your borrowing needs; see our online enquiry form.
- Provide required documents including proof of ID, property details, valuations, company accounts, and an exit strategy; see the document checklist.
- Receive indicative terms in 2 to 4 hours, with formal offers within 24 to 48 hours after full submission; consult our funding timelines.
- Complete legal and valuation processes before loan completion typically within 3 to 10 days for bridging loans or 2 to 4 weeks for development finance.
Funding Agent’s View on Greenfield Capital
Greenfield Capital serves experienced property professionals needing short-term finance with quick turnaround and flexible terms. Its higher cost and security requirements mean it is more suitable for borrowers with UK real estate assets and clear exit plans. Those seeking long-term, low-cost finance or without property collateral may find alternatives more appropriate. Review your options and use our eligibility checker and loan comparison tools to explore suitable finance solutions.
