Your money is working. Just not for you. Through Atlas Capital, your capital is lent to UK property investors and developers, and borrowers pay interest and fees. Atlas Capital is raising up to £5m of lending capital at 12% fixed per year.
Capital is at risk. Security reduces risk but does not eliminate it.
You put your money to work with Atlas Capital.
To property developers and investors, secured on the property, with an independent valuation.
When a loan is repaid, the capital is lent again.
Repay. Relend. Repeat.
Bank lending to small property developers halved between 2017 and late 2024. The money moved to private lenders. And only 3 of 73 surveyed development lenders will write a loan under £5m. That is where we lend.
Bank lending to SME developers. Source: CapitalRise, from Bank of England data, Feb 2025. Lender count: Bayes YE2025 lender survey.
"So rather than keep complaining about lenders, I built the lender I want to borrow from."
Llewellyn (Lee) Lloyd · Founder and CEO
Lee paid a lender more than £7,000 extra for one thing: certainty. Five weeks in, on the day the money was due to land, their CEO overruled his own lending manager. Nothing about the deal had changed. Just no loan.
Earlier that year, another loan took seven months to reach his account. The wait cost him £35,000 in interest.
That isn't a credit problem. It's a process problem. ACP exists to fix it.
Capital is at risk. Security reduces risk but does not eliminate it.
A first or second charge on the property, depending on the product.
Every property is independently valued.
We underwrite the whole deal: borrower, property, leverage and how the loan gets repaid.
We monitor every loan while it's live, with recovery and enforcement if required. We'd rather know three months early than three days before default.
A reserve buffer, reporting rights and enforcement rights. The investor security package is being finalised by counsel, and the final legal structure is provided before you commit.
Founder and CEO
25 years in UK property. Operator, investor, developer and borrower. Former Connells Group Board of Management Partner. Across his career, 9,000+ deals and over £3.15bn of transactions.
Product and technology
Product and technology build. Platform and AI delivery.
Lending relationships
Wealth management and lending relationships. A traditional lender.
Legal
Financial services lawyer. Regulated lending and structuring.
This is for high net worth and sophisticated investors only.
12% fixed per year on lending capital. The minimum, the term and how interest is paid are being confirmed now, and Lee goes through all of it, and the risks, with you on the call. Booking the call doesn't commit you to anything.
Yes. Atlas Capital is also raising £1.5m for 20% of the business. Pick "Both" on the form and Lee covers each one on the same call. See the equity offer.
No. The rate is fixed at 12% per year, but nothing is guaranteed. Capital is at risk. Security reduces risk but does not eliminate it.
Yes. Capital is at risk. Security reduces risk but does not eliminate it.
The capital is lent again. Repay, relend, repeat.
Lee, on the call. Before it, Atlas Capital's assistant may email you to confirm a few details. It's AI and always says so, and anything it can't answer goes straight to Lee's team.
Lee goes through the terms, the security and the risks with you directly.
Capital is at risk. Security reduces risk but does not eliminate it.
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