Atlas
Capital
Partners
Property finance

Need a bridging loan fast? Start with your deal.

We target credit sign-off within 48 hours of a complete, verified file. Tell us the property, amount and deadline so we can assess whether Atlas can help.

Discuss my bridging loan Try the calculator

The 48 hours is a target, not a guarantee. Credit sign-off is not completion; conditions and legal requirements still apply.

SecondsIndicative decision
48hCredit sign-off target, from a complete, verified file. A target, not a guarantee
DirectYou deal with Atlas, not a broker
1Application. Everything asked for once
Test your deal

Check the costs before you commit.

Use the working calculator to see an indicative range for interest, fees and the cash available on day one. Then try a longer term and see what changes.

Indicative only, not an offer of finance. Legal costs are extra. The calculator assumes the loan is fully drawn on day one; staged development drawdowns need a separate assessment.

The 50-75% LTV and 3-18 month controls are shared illustrative bounds, not approved credit limits or a promise of lender-specific terms. Bridging is typically modelled at 6 months in the frozen record.

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Get your full cost breakdown

Your monthly and total cost, emailed to you now.

We will email you this report and a few follow-ups about your deal. Unsubscribe any time. See our privacy page.

The problem

The people in lending aren't the problem. The process is.

Even bridging, which is supposed to be fast money, averaged 43 days in 2025. Slow, opaque, committee-driven. We built the opposite.

Score out of 100, across about 5,000 broker feedback records. Source: Smart Money People / Financial Reporter, H1 2026.

Why ACP

So much easier than anything you've had before.

One stop shop

One application. Borrower, property and evidence held together, asked for once. No sending the same ID and paperwork over and over.

No chasing

No back and forth emails. You see where your case is and what the decision depends on.

Fast answers

Indicative decision in seconds. Human credit sign-off targeted within 48 hours of a complete, verified file. A target, not a guarantee.

Whole-deal view

We underwrite the deal, not the credit score. If the deal makes sense, we look at it properly.

Watching to repayment

Most lenders lend the money and disappear until redemption. We stay with every loan, so problems surface months early, not days before default.

Built by a developer

25 years in UK property. Built by someone who has sat on your side of the table and waited.

Who it's for

Business lending, secured on property.

Property investors

Buying, refinancing or unlocking a property while a sale or refinance completes.

Developers

Ground up builds, conversions and heavy refurbishment, funded in stages as the work goes.

SPVs and property businesses

Business lending from £100k to £1m and up. England and Wales. No homeowner loans.

How it works

Three steps. No surprises on completion day.

01

Test your deal

See your likely rate in a minute. No credit check.

02

Apply once

Tell us the deal and upload your documents to one place. We never ask twice.

03

Get your decision

Credit sign-off targeted within 48 hours of a complete, verified file. A target, not a guarantee; conditions and legal requirements still apply. Then we see it through to repayment.

Try the calculator
From the founder

One loan took seven months. It cost £35,000 in interest, just waiting.

Lee was moving an HMO from a bridging loan onto development finance. A simple switch. The lender said it would take a couple of weeks.

Then the lawyer disappeared for two or three weeks at a time. The lender's business development manager went quiet for two months, until Lee complained to his bosses. The broker and the lender spent two months blaming each other over one redemption statement.

He couldn't walk away. The surveys and legal work were already paid for. So he kept chasing.

Seven months later the loan came through. The wait had cost him £35,000 in interest.

Lee Lloyd, founder of Atlas Capital Partners

"So rather than keep complaining about lenders, I built the lender I want to borrow from."

Llewellyn (Lee) Lloyd · Founder and CEO

Questions

Straight answers.

Will testing my deal affect my credit score?

No. The calculator runs no credit check. It shows your likely rate from the deal details you type in.

What can I borrow for?

Bridging, refurbishment, development finance and business second charge loans, secured on property in England and Wales.

How much can I borrow?

Business loans from £100k to £1m and up. How much depends on the property's value and the deal, and the calculator shows you where yours sits.

How quickly will I get an answer?

An indicative decision in seconds. Human credit sign-off is targeted within 48 hours of a complete, verified file. The 48 hours is a target, not a guarantee. Credit sign-off is not completion; conditions and legal requirements still apply.

Do you lend to homeowners?

No. This is business purpose lending only. No homeowner loans.

Tell us the property, how much you need and your deadline. Let's see whether Atlas can help.

Discuss my bridging loan
See my costs
Discuss my bridging loan