Invocap

About Invocap

Invocap is the trading name of FCG Finance Ltd, a London-based lending business incorporated in 2013 and staffed by a team drawn from major finance and technology institutions. The business was built around a conviction that small and medium-sized businesses — including property investors and developers — were being underserved by both traditional banks and simpler fintech products, and that better tools for assessing the real value of a borrower's position could unlock more appropriate lending.

The business has evolved over time, divesting its invoice finance book to allow a sharper focus on property and business lending. Its South Molton Street offices in Mayfair reflect a positioning towards professional borrowers with more complex requirements — the kind of cases where standard automated credit models produce answers that don't reflect the full picture.

Invocap's technology-driven approach targets speed and transparency, with processes designed to reduce the friction between enquiry and drawdown. Rates are competitive at 0.70% per month, and the £5 million upper limit makes it viable for a range of investment and development scenarios across residential and commercial property.

Bridging Loans from Invocap

Invocap lends from £100,000 to £5 million, with terms up to 24 months and LTVs up to 75%. Rates from 0.70% per month. The lender covers residential and commercial property across England and Wales and works with both individual investors and corporate structures.

What Can Invocap Finance?

• Residential property purchase, refinance and capital raise
• Commercial property acquisition and refinancing
• Property refurbishment and development exit
• Auction purchases requiring fast completion
• Buy-to-let investment and portfolio expansion

How to Apply with Invocap

Invocap works with commercial finance brokers and directly with borrowers. Initial enquiries should be directed to the team at their South Molton Street offices in London. The technology-enabled process aims to provide fast decisions with a clear cost structure from the outset.