About Phoenix Money
Phoenix Money is a Liverpool-based specialist bridging and development lender that operates on a straightforward model: two knowledgeable, experienced principals lending their own money, making their own decisions. There is no institutional funding line to satisfy, no credit committee to persuade, no policy manual to check. If the deal makes sense to the principals, the loan gets done — and the same-day offer the team promises reflects that independence.
The founders' background spans property and finance in genuine depth. The business deliberately stays small, which allows it to move at a pace and with a commercial flexibility that larger lenders can't replicate. Brokers describe working with Phoenix Money as "old school bridging" — a compliment meaning that the lender keeps its word, pivots quickly when circumstances change, and doesn't move the goalposts after terms are agreed. One recently completed deal closed 24 hours ahead of schedule.
Phoenix Money has handled BTR development gaps, commercial bridging, portfolio refinancing and complex gap funding — including a Sheffield BTR development that required collaborative work across multiple parties to close in six weeks. The Liverpool base is not incidental: the team understands the northern England property market from the inside.
Bridging Loans from Phoenix Money
Phoenix Money lends from £50,000 to £5 million on bridging, with terms up to 12 months and LTVs up to 75%. Rates are priced per case — contact the team for an offer, which is typically issued the same day. Development finance is available alongside bridging. All loans are funded from the principals' own capital.
What Can Phoenix Money Finance?
- Residential and commercial bridging
- Development finance and gap funding
- Portfolio refinancing
- Auction purchases
- Complex and time-sensitive cases
How to Apply with Phoenix Money
Phoenix Money works through commercial finance brokers and directly with experienced borrowers. Enquiries go to [email protected] or by phone to the Liverpool team on 0151 294 6302. Initial offers are issued on the same day on qualifying cases.
Contact
Address:
Phoenix Money
Phoenix House, 42 Jamaica Street, Liverpool, L1 0AF
Phone:
0151 294 6302