Cohort Capital

About Cohort Capital

Cohort Capital was founded in 2019 by debt finance specialist Matt Thame after he identified a persistent gap in the market: high-value borrowers needing flexible, fast short-term finance were consistently underserved by traditional banking and institutional lenders, whose processes and risk frameworks weren't built for speed or complexity. Cohort was set up specifically to solve that problem.

The Park Lane, London address isn't just cosmetic. Cohort's client base skews towards high-net-worth individuals, corporate borrowers, hotel and hospitality operators, and developers with complex ownership structures or large single-asset deals. The team brings over 100 years of combined experience across property, banking and legal disciplines, and the business is backed by one of the UK's most successful private property entrepreneurs — a funding structure that gives Cohort complete independence from external lending lines and the ability to say yes when other lenders are retreating from the market.

The numbers reflect this positioning: by 2023, Cohort had reached £400 million in new bridge lending for the year — a 60% increase on 2022 — with an average completion time of 14 days. Individual deals have included a £73 million hotel refinancing for the NoMad London, a £348 million facility for the Park Tower Knightsbridge in partnership with Apollo, and a £20 million acquisition loan completed within 11 days for a Mayfair property.

Bridging Loans from Cohort Capital

Cohort lends from £1 million upwards — with no formal upper ceiling on deal size for the right opportunity — across unregulated residential, commercial, semi-commercial and development exit scenarios. LTVs up to 75%, rates from 0.75% per month, and terms up to 36 months. Foreign nationals and complex corporate structures are both within scope. The lender works across England, Wales and Scotland.

What Can Cohort Capital Finance?

• High-value residential acquisition and refinancing
• Prime commercial and semi-commercial property
• Hotel and hospitality asset finance
• Development exit and sales period bridging
• Complex corporate structures and foreign national borrowers
• Large portfolio refinancing and restructuring

How to Apply with Cohort Capital

Cohort works primarily with corporate borrowers, developers and professional intermediaries. All enquiries go to the team at their Park Lane office, where decisions are made by the principals directly. Given the bespoke nature of their lending, initial conversations typically focus on understanding the full picture of the deal before terms are discussed. For time-sensitive cases, Cohort has a track record of completing within two weeks of enquiry on complex, high-value transactions.