CapitalRise Finance

About CapitalRise Finance

CapitalRise was founded in 2016 by Uma Rajah and Andrew Gardiner, both of whom brought FinTech and luxury property development backgrounds to the business. The co-founders made a deliberate decision to focus exclusively on prime property — London, the Home Counties, and select premium locations elsewhere in the UK — and to build a lending platform backed by institutional funding alongside high-net-worth private investors.

That focus has proved to be a significant competitive advantage. Rather than spreading underwriting resource across a wide range of asset types, CapitalRise has built deep expertise in exactly the deals they fund, which means faster decisions and more commercially creative structuring. The founders invest their own money in every project alongside external capital — a co-investment model that's rare in the sector and signals genuine conviction in every loan they make.

Since launch, CapitalRise has facilitated over £300 million in loans and returned funds to investors with zero credit losses recorded to date. The business was named Property Lender of the Year (Under £20 Million) at the PROPS Awards, and CEO Uma Rajah was recognised as Female Entrepreneur of the Year at the Enterprise Awards. In 2025, the business secured a £150 million additional funding facility to accelerate its lending programme.

Bridging Loans from CapitalRise Finance

CapitalRise offers bridging and development loans from £1 million to £20 million across prime residential, commercial and mixed-use assets in London and the South East. LTVs up to 75%, with rates from 0.83% per month. The lender also offers a Stabilisation Finance product for revenue-generating commercial assets, and has recently expanded into full commercial property as well as areas such as the Cotswolds, Bath and select high-value regional markets.

What Can CapitalRise Finance?

• Prime residential bridging in London and the South East
• Ground-up and refurbishment development finance
• Sales period (development exit) finance
• Commercial property acquisition and refinancing
• Stabilisation finance for income-generating assets
• High-value hotel and hospitality asset finance

How to Apply with CapitalRise Finance

CapitalRise works with experienced property developers and professional intermediaries. Initial enquiries are reviewed against their credit criteria, with only around 2% of applications historically advancing to loan completion — a selectivity that reflects their prime-only positioning and rigorous due diligence. If your project is in a prime location with a clear exit and a strong development track record, their lending team is worth approaching directly.