Blue Square Capital

About Blue Square Capital

Blue Square Capital was founded by David Kyte and Warren Epstein and is based in Temple Fortune, North London. The team brings more than 30 years of combined property experience to every loan — and unlike many lenders in this space, they lean on that background to assess deals rather than relying primarily on credit scoring. If the property makes sense and the exit strategy is clear, Blue Square will typically find a way to lend.

The business operates as an independent private lender, drawing on connections with family offices and high-net-worth private individuals rather than institutional funding lines. That independence gives the team real flexibility on individual cases, and means decisions get made quickly — indicative terms within 24 hours, with completions typically within two weeks.

A distinctive feature of Blue Square's offer: fixed rates throughout the loan term, and no early exit fees. Borrowers who complete ahead of schedule aren't penalised, which matters particularly for refurbishment and auction finance where timelines can shift.

Bridging Loans from Blue Square Capital

Blue Square lends from £250,000 to £2 million, with terms up to 15 months and LTVs up to 70%. Rates start from 0.95% per month and remain fixed. All loans are unregulated first charge facilities across England and Wales. The team does not lend on land, and focuses on properties with an existing structure in place.

What Can Blue Square Capital Finance?

• Residential investment properties and buy-to-let
• Commercial and mixed-use properties
• Refurbishment and renovation projects
• Auction purchases requiring fast completion
• HMOs and semi-commercial assets
• Properties in poor condition or classed as unmortgageable

How to Apply with Blue Square Capital

Enquiries are welcomed directly by phone or via the website. The team aims to provide indicative terms within 24 hours. A valuation is required as part of the process, and borrowers should be prepared to provide details of their exit strategy, financial background and the property being used as security. Blue Square can work with borrowers with adverse credit histories where the deal fundamentals are strong.