Sancus Finance is the UK property-lending division of the AIM-listed Sancus Lending Group, established in 2013. It specialises in short-term bridging, refurbishment, and development finance aimed at professional property investors and developers. Sancus finances sizeable property-backed loans through a blend of institutional and high-net-worth co-lenders. Its products are business-purpose, which means they fall outside full FCA consumer credit regulation but adhere to UK anti-money-laundering and lending best-practice. Sancus may suit experienced developers seeking rapid decisions and flexible structures, as described in our Sancus Finance reviews and lenders overview.
Key features of Sancus Finance
The lender offers targeted financial products with speed and flexibility, designed primarily for professional property investors across the UK and Ireland. Its structure accommodates large transactions and diverse project types.
- Indicative offers often within 24 hours via an online enquiry and broker upload portal
- Co-funding platform uses institutional and high-net-worth capital, enabling loans up to £20 million alternative finance loans
- Dedicated regional teams across London, Midlands, North, Ireland and Channel Islands provide local relationship management
- Flexible loan structuring includes senior, stretch-senior and mezzanine layers under one roof
- Interest roll-up or serviced payment options help support borrower cash flow during projects
Funding eligibility
You may qualify for Sancus Finance funding if you have a credible track record in property investment or development, even without a fixed minimum trading period. The lender's eligibility excludes owner-occupied residential properties and certain sectors, with geographic coverage across England, Wales, Northern Ireland, Republic of Ireland, Jersey, Guernsey and Gibraltar. Check our eligibility guide, lenders list, and alternative finance loans options for further qualification details.
Loan options
Sancus Finance provides several short-term property-backed loan types suited to experienced developers and investors. Loan amounts, terms, and costs vary by product type with a focus on bridging and development finance.
- Bridging finance: £500,000–£20,000,000; 3–24 months; monthly interest 0.65%–1.25% (approx. 7.8%–15% p.a.); fees include arrangement, exit, valuation, legal and monitoring*
- Development finance: £1,000,000–£20,000,000; up to 24 months build plus up to 6 months sales/refinance; interest 7%–10% p.a. on drawn funds; requires developer equity and full planning consent*
- Refurbishment finance: £500,000–£10,000,000; 6–18 months; monthly interest 0.70%–1.30%; staged fund releases for acquisition and works*
- Developer exit loan: £1,000,000–£15,000,000; 3–12 months; monthly interest 0.55%–1.10%; no early repayment penalties; for completed developments*
How to apply
The application process is designed for professional borrowers and brokers, with an emphasis on speed and thorough due diligence. Expect document verification and compliance checks during approval.
- Submit an initial online or telephone enquiry; application usually via broker or direct contact with regional relationship manager application process
- Provide borrower ID, AML documents, SPV/company accounts, asset valuations and project appraisals
- Undergo credit and legal review with typical decision time of 3–5 days following valuation completion
- Complete legal documentation and proceed to funding, often within 7–14 days subject to conditions
Funding Agent’s view on Sancus Finance
Sancus Finance serves as a specialist lender for experienced property investors and developers needing short-term, high-leverage bridging and development finance. Its speed and flexible structuring are strengths suited to mid-market developers. However, higher costs, substantial fees, personal guarantees, and product unregulated status may limit suitability for smaller or less experienced borrowers. Use our loan eligibility checker, business loan calculator, and lenders comparison tools for next steps in assessing fit for purpose finance options.
