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Top 10 Lenders to Secure £750,000 Development Finance for UK Property Projects in 2026
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Top 10 development finance lenders for £750,000 property projects
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Medium-scale developers needing staged drawdowns across residential or mixed-use projects. | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Inhale Capital | Cost-focused developers seeking competitive monthly rates on £750k build schemes. | £0 to £2,000,000 | interest 1.05% to 1.3% monthly |
| 3 | Brightstar | Developers preferring annual-rate pricing for residential conversions and refurbishments. | From £50,000 | interest 5% to 12% annually |
| 4 | Momenta Finance | Property investors needing short-term bridging ahead of development project funding. | £50,000 to £2,000,000 | interest 8% to 24% annually |
| 5 | Nucleus Commercial Finance | Developers open to bridging as a flexible route into project funding. | £3,000 to £2,000,000 | mixed 1.15% to 17.5% monthly |
| 6 | Shire Leasing | Developers whose projects sit within a £750,000 lending ceiling. | £5,000 to £750,000 | interest 4% to 11% monthly |
| 7 | Shireassetfinance | Developers needing quick decisions on property development loans up to £750k. | £5,000 to £750,000 | interest 4.5% to 12% monthly |
| 8 | United Trust Bank | Established developers seeking a bank-backed bridging facility for larger schemes. | £100,000 to £35,000,000 | interest 5% to 12.5% annually |
| 9 | Barclays | Well-established developers with strong trading history seeking high-street lending. | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 10 | MT Finance | Mid-size developers seeking low monthly interest rates on £750k projects. | £50,000 to £10,000,000 | interest 0.89% to 1.05% monthly |
Development finance is a short-to-medium-term funding facility that releases capital in stages as a property development project progresses, covering land acquisition, build costs and professional fees. It suits property developers and investors who need substantial funding released against site value and works completed rather than as a single lump sum. At the £750,000 level, this type of facility typically supports medium-scale residential conversions, new-build schemes or mixed-use refurbishment projects.
Comparing development finance lenders for a £750,000 project goes beyond headline rates. Gross loan-to-value ratios determine how much site and build cost a lender covers, shaping the equity you must inject. Drawdown structures differ — some lenders release against architect certificates, others use quantity surveyor monitoring. Interest roll-up options, exit fees and facility term all affect total cost. The published loan range also signals which lenders are genuinely structured to fund projects at this scale.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
One Stop Business Finance
Published loan range£100,000 to £3,000,000
Rate typeinterest 1.6% to 3% monthly
Overview: Development projects at the £750,000 level demand a lender comfortable with scale. One Stop Business Finance funds facilities from £100,000 to £3 million, with rates structured monthly between 1.6% and 3%. Funding typically completes within five days. Expect detailed affordability review and a personal guarantee as standard.
Best next step: Check eligibility for development projects
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Loan range stretches to £3 million
- Monthly rate structure aids cash-flow planning
- Funding completes in around five days
Need to know
- Personal guarantee likely required
- Strong trading history expected
- Legal and valuation costs apply
Expert take
A secured lender built for medium-to-large facilities, One Stop Business Finance suits developers whose £750,000 project needs a lender that can scale further if the pipeline grows. The monthly rate model works well for staged drawdowns.
Source:https://www.osbf.co.uk/
Inhale Capital
Published loan range£0 to £2,000,000
Rate typeinterest 1.05% to 1.3% monthly
Overview: Monthly rates starting from 1.05% give Inhale Capital a cost edge for a £750,000 development facility. The lender funds up to £2 million and can turn around decisions within 24 hours — useful when a site demands quick commitment. Property-backed security is essential, and exit-risk checks form part of the underwriting.
Best next step: Compare rates for property-backed developments
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Rates from 1.05% monthly
- Same-day decision turnaround
- Loans up to £2 million available
Need to know
- Property security is mandatory
- Exit strategy under scrutiny
- Valuation fees apply upfront
Expert take
A short-term, property-backed funder with a lean cost structure, Inhale Capital fits developers who have a clear exit route and want to minimise monthly interest on a £750,000 drawdown.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12% annually
Overview: Funding within 24 hours keeps development timelines tight when a £750,000 opportunity cannot wait. Brightstar lends from £50,000 upward with annual rates between 5% and 12%, making it a bridging-style option for developers who need to move at exchange speed. Property-backed security and a credible exit plan are expected.
Best next step: Explore fast bridging for development
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Same-day funding possible
- Annual rates from 5%
- Loans available from £50,000
Need to know
- Requires property as security
- Exit-risk assessment applies
- Higher fees than term lending
Expert take
A quick-turnaround bridging specialist, Brightstar works for developers who need speed over the lowest headline rate. The annual rate structure can simplify cost comparison against longer-term development finance.
Momenta Finance
Published loan range£50,000 to £2,000,000
Rate typeinterest 8% to 24% annually
Overview: Momenta Finance structures bridging loans up to £2 million, which suits a £750,000 development purchase or refurbishment. Annual rates range from 8% to 24%, and funding can complete within 48 hours. The lender expects established trading history, suitable property security, and a personal guarantee from directors.
Best next step: See if your project qualifies
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Bridging loans to £2 million
- 48-hour funding possible
- Established lender track record
Need to know
- Personal guarantee typically required
- Strong trading record needed
- Valuation and legal costs apply
Expert take
A secured lender serving established SMEs, Momenta Finance fits developers with a proven track record who need bridging-style speed on a £750,000 facility and can meet the personal guarantee requirement.
Nucleus Commercial Finance
Published loan range£3,000 to £2,000,000
Rate typemixed 1.15% to 17.5% monthly
Overview: Property developers needing a £750,000 facility will find Nucleus Commercial Finance bridges from £3,000 to £2 million, with monthly rates between 1.15% and 17.5%. Funding can land within 24 hours, which helps when a site acquisition needs rapid completion. Security against property or business assets is required.
Best next step: Check developer bridging options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Up to £2 million available
- Funding within 24 hours
- Rates from 1.15% monthly
Need to know
- Property security is mandatory
- Rate varies with risk profile
- Legal costs payable upfront
Expert take
A versatile secured lender with a wide rate band, Nucleus Commercial Finance suits developers whose £750,000 project risk profile determines pricing — cleaner deals get sharper rates.
Shire Leasing
Published loan range£5,000 to £750,000
Rate typeinterest 4% to 11% monthly
Overview: Shire Leasing caps development finance at £750,000, making it a direct match for projects at this level. The lender blends property development funding with asset finance capability, useful for developers who also need equipment. Monthly rates run from 4% to 11%, and property security is mandatory.
Best next step: Match your project to the £750,000 cap
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Exact cap at £750,000
- 24-hour decision possible
- Asset finance also available
Need to know
- Upper limit is £750,000
- Monthly rates from 4%
- Security and valuation required
Expert take
A hybrid lender mixing development and asset finance, Shire Leasing fits a developer who needs exactly £750,000 and might also fund plant or machinery through the same relationship.
Shireassetfinance
Published loan range£5,000 to £750,000
Rate typeinterest 4.5% to 12% monthly
Overview: Decisions in as little as four hours give Shireassetfinance a speed advantage for a £750,000 development facility. Monthly rates range from 4.5% to 12%, and the lender caps at £750,000 — meaning projects at this scale sit at the top of its focus. Property security and a clear exit route underpin every approval.
Best next step: Get a decision within hours
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Decisions from four hours
- Exact £750,000 upper limit
- Development-focused underwriting
Need to know
- £750,000 is the maximum
- Monthly rates from 4.5%
- Exit plan must be clear
Expert take
A development finance specialist with unusually fast decision times, Shireassetfinance suits developers who value speed and have a straightforward, well-documented £750,000 project ready for underwriting.
United Trust Bank
Published loan range£100,000 to £35,000,000
Rate typeinterest 5% to 12.5% annually
Overview: With a ceiling of £35 million, United Trust Bank handles a £750,000 development facility with institutional scale. Bridging finance comes with annual rates from 5% to 12.5% and funding within 48 hours. Property-backed security and exit-risk scrutiny are standard — this is not a light-touch process.
Best next step: Access bank-grade development bridging
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lends up to £35 million
- Annual rates from 5%
- Funding within 48 hours
Need to know
- Property-backed security required
- Exit-risk checks apply
- Not a high-street walk-in bank
Expert take
An institutionally-backed bridging lender, United Trust Bank fits developers who want the credibility and capacity of a bank without the slower processes that often come with high-street names.
Source:https://www.utbank.co.uk/
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: As a high-street lender, Barclays brings institutional backing to a £750,000 development proposition. The bank lends from £1,000 to £25 million with annual rates between 8.5% and 14.9%. Underwriting is thorough — trading history, affordability, and security all face scrutiny — so expect a longer process than specialist lenders offer.
Best next step: Apply through a high-street lender
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Loans up to £25 million
- High-street brand security
- Annual rate transparency
Need to know
- Slower underwriting than specialists
- Strong trading history needed
- Personal guarantee may apply
Expert take
A mainstream bank with deep development lending capacity, Barclays fits established developers who can meet stringent underwriting and value the stability of a high-street institution behind their £750,000 facility.
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05% monthly
Overview: Monthly rates from 0.89% position MT Finance among the lower-cost bridging options for a £750,000 development facility. The lender funds from £50,000 to £10 million and can turn around decisions within 24 hours. Property-backed security is non-negotiable, and the exit strategy will be tested during underwriting.
Best next step: Secure low-rate development bridging
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Rates from 0.89% monthly
- Loans to £10 million
- 24-hour decision turnaround
Need to know
- Property security mandatory
- Exit route under scrutiny
- Valuation costs apply
Expert take
A cost-competitive bridging lender with reach to £10 million, MT Finance suits developers who have a clean exit and want the lowest possible monthly rate on a £750,000 drawdown.
Source:https://www.mt-finance.com/
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What LTV can property developers expect on £750,000 development finance?
Most development lenders on this list cap loan-to-value at 70% to 75% of gross development value. One Stop Business Finance and Inhale Capital both publish a maximum LTV of 75%. United Trust Bank also sits at 75%. MT Finance caps LTV at 70%.
Brightstar stands out by offering up to 100% LTV on development projects, though this typically requires additional security or a cross-charge against other assets.
At £750,000, your LTV ratio depends on the total project value. If your GDV is £1,000,000, a 75% LTV facility delivers exactly £750,000. For a project valued at £850,000, you would need a lender comfortable at roughly 88% LTV or higher, which narrows the field considerably.
Lenders also assess LTV against day-one land value and build cost, not only end value. Expect the advance against land to be lower than against construction costs, with funds released in stages as work progresses.
Comparing interest rates on £750,000 development finance
Rates for £750,000 development finance split between monthly and annual structures. Monthly pricing is common among specialist development lenders. MT Finance publishes the lowest band at 0.89% to 1.05% per month. Inhale Capital sits between 1.05% and 1.3% per month. One Stop Business Finance ranges from 1.6% to 3% per month.
Where lenders quote annually, Brightstar publishes 5% to 12% per annum and United Trust Bank sits at 5% to 12.5% per annum. Momenta Finance starts higher at 8% to 24% annually, reflecting its bridging product structure.
| Lender | Rate type | Typical rate range |
|---|---|---|
| MT Finance | Monthly | 0.89% to 1.05% |
| Inhale Capital | Monthly | 1.05% to 1.3% |
| One Stop Business Finance | Monthly | 1.6% to 3% |
| Brightstar | Annual | 5% to 12% |
| United Trust Bank | Annual | 5% to 12.5% |
The rate you secure at £750,000 depends on project type, developer experience, and LTV. Lower-LTV deals with experienced developers typically attract rates at the lower end of a lender's published range.
Loan terms and drawdown structures for £750,000 property development
Development finance terms at the £750,000 level vary from short bridging-style facilities to longer structured loans.
One Stop Business Finance and Inhale Capital both offer terms from 3 to 18 months, suited to straightforward residential conversions or small new-build projects. MT Finance lends from as little as 1 month up to 2 years, giving flexibility for fast-turnaround schemes.
Shire Leasing and Shireassetfinance both publish terms from 3 months to 6 years, covering a broader range of project timelines. Nucleus Commercial Finance offers a similar span at 3 months to 6 years. Momenta Finance starts at 1 year and extends to 6 years.
At the longer end, United Trust Bank lends up to 5 years, while Barclays offers terms from 1 to 25 years for property-backed lending, though development facilities are typically shorter than the headline maximum.
Most lenders release funds in stages tied to build progress. Expect an initial release against land purchase, followed by tranches against each construction phase, with a final retention held until practical completion.
Qualifying for £750,000 development finance: what lenders assess
Lenders evaluate several factors when underwriting £750,000 development finance. Personal guarantees are standard. One Stop Business Finance, Inhale Capital, Brightstar, Momenta Finance and Nucleus Commercial Finance all require a personal guarantee from directors.
Experience often outweighs trading history. One Stop Business Finance sets no minimum business age and no minimum turnover requirement, focusing on project viability and developer track record instead.
Where lenders do set trading thresholds, Nucleus Commercial Finance requires 4 months of trading and £50,000 minimum turnover. Momenta Finance asks for 2 years of trading history and £350,000 turnover, making it better suited to established developers.
Homeowner status is not a universal requirement. One Stop Business Finance and Inhale Capital do not require applicants to be homeowners. Momenta Finance and Nucleus Commercial Finance do.
A detailed project appraisal pack with planning consent, cost breakdown, and GDV assessment will strengthen any application at the £750,000 scale, where lenders expect professional-level submissions.
