Pure Funding Reviews

Pure Funding provides straightforward funding solutions with positive user reviews highlighting their reliable and efficient service experience.

Here are the Trustpilot Reviews from Pure Funding:

Here are the Reviews from Pure Funding:

Clark Alexander and team were fantastic to work with! By far the easiest, most efficient process with a mortgage loan. Thank you Clark and Pure Funding team!

Clark Alexander

Great Service, Great Rates, Great Products! It was a smooth transaction from beginning to end. I would highly recommend Pure Funding.

Yelp User

Explore Pure Funding's Finance Solutions:

Standard Bridging Loan

£100,000 – £5,000,000

Auction Finance

£100,000 – £3,000,000

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Explore Pure Funding's Finance Solutions:

Loan Type:

Standard Bridging Loan

Loan Range:

£100,000 – £5,000,000

Loan Terms:

3 – 18 months

Minimum Turnover and Trading Age:

No minimum trading history (asset-backed); borrower must evidence viable exit

Interest Rate:

0.55% – 1.10% per month (interest rolled or serviced)

Fees:

2% arrangement fee, 1% exit fee, legal & valuation costs payable by borrower, no early repayment fee

Loan Type:

Auction Finance

Loan Range:

£100,000 – £3,000,000

Loan Terms:

1 – 12 months

Minimum Turnover and Trading Age:

Not required; focuses on property asset

Interest Rate:

0.60% – 1.20% per month

Fees:

2% arrangement fee, no exit fee if repaid within agreed term, valuation & legal fees

Loan Type:

Light & Heavy Refurbishment Finance

Loan Range:

£150,000 – £4,000,000

Loan Terms:

6 – 18 months

Minimum Turnover and Trading Age:

No trading minimum; experience of at least one previous project preferred

Interest Rate:

0.65% – 1.15% per month

Fees:

2% arrangement, 1% exit, monitoring surveyor fees on drawdowns

Loan Type:

Ground-Up Development Finance

Loan Range:

£500,000 – £10,000,000

Loan Terms:

9 – 24 months

Minimum Turnover and Trading Age:

Developer must have completed at least two similar schemes in last 5 years

Interest Rate:

7.5% – 10.5% p.a. (rolled)

Fees:

1–2% arrangement, 1% exit fee, QS monitoring, legal & valuation costs

Loan Type:

Development Exit Finance

Loan Range:

£250,000 – £7,500,000

Loan Terms:

3 – 12 months

Minimum Turnover and Trading Age:

Project must be wind and watertight or practically complete

Interest Rate:

0.49% – 0.89% per month

Fees:

1% arrangement, no exit fee if sales achieved within term, legal & valuation fees

Loan Type:

Bridging Loan

Loan Range:

£100,000 – £25,000,000

Loan Terms:

3 – 24 months (interest rolled or serviced)

Minimum Turnover and Trading Age:

No trading history required – property-backed

Interest Rate:

0.55% – 1.5% per month

Fees:

Arrangement fee 1% – 2%; exit fee 0% – 1%; valuation and legal fees

More About Pure Funding

Pure Funding is a UK-based specialist lender offering property and business finance since 2017. Its focus is on short-term and development loans tailored to professional landlords, property investors, and SMEs. The firm operates directly under FCA registration with a flexible underwriting model, allowing potentially faster decisions and servicing of loans without third-party brokers. Those seeking swift bridging, refurbishment, or development finance solutions may find its offerings relevant, particularly if they have clear exit plans and require up to 75% loan-to-value. For more details on product types, see bridging loans and business loans.

Key Features of Pure Funding

The lender presents several practical features designed to assist professional borrowers, including a broad product range and dedicated support to facilitate quick completions.

Fast credit decisions, often in 24–48 hours, with direct underwriting and discretionary capital (alternative finance loans)
Up to 75% loan-to-value for select products reduces borrower equity needs (interest rates explained)
No early repayment penalties on bridging loans and flexible redemption with daily interest calculation (bridge loan)
Dedicated relationship managers and in-house legal panels to hasten process and completion times (business loans)
Funding available across all UK nations, including semi-commercial properties

Funding Eligibility

Borrowers may qualify if they meet specific asset and trading criteria aligned to their chosen product. Asset-backed bridging loans do not require minimum trading history, but development finance usually requires a demonstrable track record. Personal guarantees are commonly required.

Typically, no minimum trading period for asset-backed bridging facilities, but 2 years or more for development finance SPVs (loan eligibility requirements)
Properties must be located in England, Wales, Scotland, or Northern Ireland, with a documented valuation and clean title (collateral requirements)
Excluded sectors include hazardous materials properties, unpermitted agricultural land, houseboats, and large hotels (business loans)
Personal guarantees generally mandatory for directors or major shareholders (personal guarantee requirements)

Loan Options

Pure Funding offers a range of short-term, secured loan products designed for various property finance needs. Loan amounts, terms, and rates vary according to product type and suitability.

Standard Bridging Loan: £100,000 to £5,000,000; 3 to 18 months; interest 0.55%–1.10% per month; up to 75% open-market value; no early repayment fee. See bridging loans.
Auction Finance: £100,000 to £3,000,000; 1 to 12 months; interest 0.60%–1.20% per month; up to 90% of auction price including fees. See bridge loan.
Light & Heavy Refurbishment Finance: £150,000 to £4,000,000; 6 to 18 months; interest 0.65%–1.15% per month; up to 70% of GDV finance. See business loans.
Ground-Up Development Finance: £500,000 to £10,000,000; 9 to 24 months; 7.5% to 10.5% p.a. rolled interest; up to 65% land and 100% build costs funded. See alternative finance loans.
Development Exit Finance: £250,000 to £7,500,000; 3 to 12 months; interest 0.49%–0.89% per month; up to 70% of current market value. See interest rates explained.

How to Apply

Applications can be submitted online or through accredited brokers. The process includes document submission, credit approval, and rapid funding where appropriate.

Submit an online enquiry or apply via an accredited broker with required documents uploaded through the portal (online application)
Provide asset details, valuations, ID and AML checks for all owners, company accounts, schedule of works if applicable, and exit strategy (application documents needed)
Receive a decision in principle within 2 hours; formal credit approval typically within 24–48 hours after full pack (loan approval timeline)
Funding speed ranges from as soon as 5 to 10 working days for bridging loans, or 3 to 4 weeks for development loans

Funding Agent's Review of Pure Funding

Pure Funding is a specialist lender noted for its flexible and timely short-term property finance solutions. Its products serve experienced investors and SME developers who require secured, asset-backed funding with clear exit plans. Higher interest rates and mandatory personal guarantees mean it suits professional borrowers over casual or long-term owner-occupiers. For further exploration, consider using Funding Agent's loan eligibility guides, bridging loans options, or review business loan product choices.