Buzz Capital

About Buzz Capital

Buzz Capital is a Brighton-based specialist property finance lender operating with its own private capital rather than institutional funding lines. That structure is at the heart of how they work: every deal goes directly to a decision-maker, and the team isn't bound by the restrictive conditions that institutional backing typically imposes. Same-day terms are a standard offering, not a marketing claim.

The business is a member of the ASTL (Association of Short Term Lenders), which commits it to a code of conduct covering customer service and transparency. It is also FCA-listed (Firm Reference Number 963654), though the property lending arm operates as an unregulated lender focusing on investment and business property rather than owner-occupied residential.

Beyond property finance, Buzz Capital also operates an R&D tax credit lending arm — an unusual combination that reflects the entrepreneurial background of the team. The property lending business focuses on delivering bespoke solutions quickly, particularly for non-standard scenarios where a formulaic approach from a larger lender would hit a wall.

Bridging Loans from Buzz Capital

Buzz lends from £50,000 to £550,000, with terms up to 12 months and LTVs up to 75%. Rates start from 0.89% per month — some of the lowest in the market for loans of this size. There are no early repayment penalties, which benefits borrowers on refurbishment projects where exit timing is uncertain. The lender is a non-status lender, meaning credit history is considered but is not the primary approval factor.

What Can Buzz Capital Finance?

• Residential investment property purchases
• Refurbishment and light development bridges
• Commercial and semi-commercial property
• Auction finance within tight deadlines
• HMOs and multi-lets
• Refinancing of existing bridging facilities

How to Apply with Buzz Capital

Initial contact is by phone or via the website, with the team aiming to respond within 24 hours and issue same-day terms where information is sufficient. Loans typically complete within 28 days of approval, subject to legal and valuation requirements. Buzz Capital works with both direct borrowers and commercial finance brokers.