Greenfield Capital is a specialist UK property finance lender founded in 2011. It offers short-term and development-focused funding for professional investors and developers. The lender operates via intermediaries and provides flexible bridging and development loans secured on UK real estate. It may suit experienced property investors who require rapid credit decisions and are able to provide property security and personal guarantees. For context on such types of finance, see our bridging loans overview and bridge loan explanation.
Key Features of Greenfield Capital
Greenfield Capital offers several practical features aimed at speed and flexibility in property finance. Its focus on intermediary-led applications and digital support helps streamline the process.
- Online broker portal enabling digital document upload and real-time case tracking; learn about tools to aid loan management.
- Rapid credit decisions, with indicative terms often issued within hours, supported by a daily in-house credit committee.
- Dedicated case managers and approved panels of valuers and solicitors facilitate faster completions.
Funding Eligibility
Borrowers may qualify if they meet specific property-related security and guarantee conditions. Greenfield Capital mainly serves professional investors and developers with specific experience or exit strategies. Key criteria include the following:
- No minimum business turnover requirement, but exit strategy evidence is essential; see guidance on loan qualification.
- Personal guarantees are generally mandatory for individual borrowers and directors; understand more about personal guarantees.
- Loans require secured property collateral within England, Wales, or certain Scottish postcodes; learn about collateral requirements.
Loan Options Available
Greenfield Capital primarily offers short-term and development finance secured against property. The loans suit professional market participants looking for fast, flexible solutions with property security.
- Standard Bridging Loan: £26,000 to £20,000,000, terms from 1 to 18 months, with interest ranging from 0.49% to 1.25% per month. Facilities support a range of property types except owner-occupied residential. Fees include a 2% arrangement fee; no exit fees. More info at bridging loans for small businesses.
- Development Finance: £500,000 to £20,000,000, for terms 6 to 24 months extendable to 30 months, at 6.5% to 10.5% per annum. Funding up to 70% of GDV. Planning permission and development experience required. Arrangement fees apply. See development finance details.
- Development Exit Finance: £250,000 to £10,000,000, terms 3 to 12 months, interest rates between 0.55% and 0.95% per month. Designed for projects at practical completion. No exit fees if repaid on sales. Details on bridging and exit finance at bridge loan.
- Refurbishment & Light Development Loan: £100,000 to £5,000,000, terms 3 to 18 months, interest 0.60% to 1.10% per month. Funds staged against agreed works schedule. Suitable for light refurbishments and HMO conversions. More information at alternative finance loans.
- Auction Finance: £26,000 to £3,000,000, 1 to 12-month terms, interest 0.75% to 1.25% monthly. Designed for auction purchases with quick decisions and day-one drawdowns. A 2% arrangement fee applies; no exit fee. See guidance on bridging loans.
How to Apply
Applications to Greenfield Capital must be submitted through approved intermediaries using their online broker portal. The application process emphasises speed and thorough documentation.
- Submit an online enquiry via an approved broker; direct applications are not accepted. Application forms discussed at Funding Agent forms.
- Provide required documents including identification, asset and liability statements, exit strategy evidence, valuations, and relevant planning or works schedules.
- Expect indicative terms within one hour and credit-backed offers within 24 hours after valuation.
- Funding can complete quickly, potentially within five working days depending on legal readiness and documentation completeness.
Funding Agent's Review of Greenfield Capital
Greenfield Capital occupies a specialist niche in UK property finance with a broad product range suited to professional investors and developers. Its fast decision-making and digital broker support are practical advantages. However, the requirement for property security, personal guarantees, and higher costs mean it is not suited for unsecured working capital needs or owner-occupiers. For an understanding of alternative lenders and how they compare to traditional banks, consult our bank loans vs alternative lenders guide. To explore your eligibility and compare options, visit our business loan eligibility advice and alternative finance loans overview.
