TFG Capital

About TFG Capital

TFG Capital was established in August 2014 by James Mortimore, and the name carries a direct statement of intent: TFG stands for "The Funding Gap." The business was designed to fill the gap between what borrowers need and what mainstream lenders are prepared to offer — particularly in scenarios where the traditional assessment framework breaks down because the borrower's credit history, income or financial records don't tell the full story.

The underwriting model is unusually disciplined in its simplicity. TFG lends against the 90-day value of the security, not against credit scores, trading history, proof of serviceability, or financial statements. That single decision point — is the property good enough security? — allows TFG to assess and approve cases within 48 hours that other lenders would spend weeks deliberating over. The business lends against residential, commercial and off-balance-sheet security including directors' and third-party personal properties, which makes it viable for complex corporate structures where the primary business asset is not owned directly by the borrowing entity.

Since inception, TFG has deployed over £150 million in funding across property and cashflow finance. The Doncaster base supports lending across England, Scotland and Wales. Alongside its property bridging products, TFG offers a distinct secured cashflow finance line — lending to SMEs that need to bridge a business funding gap rather than a property transaction — secured against property rather than business assets.

Bridging Loans from TFG Capital

TFG lends from £50,000 to £5 million on bridging, with terms up to 12 months and LTVs up to 70% on residential (60% on commercial). Rates from 1.2% per month. No credit checks, no financials required, no proof of income or serviceability. Facilities can be arranged within 48 hours on qualifying cases.

What Can TFG Capital Finance?

• Residential bridging — including portfolio consolidation and re-bridge
• Commercial and semi-commercial property
• Business cashflow finance secured against property
• Development and conversion acquisition
• Urgent debt restructuring and receiver-appointed situations
• Off-balance-sheet security and director/third-party property

How to Apply with TFG Capital

TFG works through commercial finance brokers and directly with businesses. Enquiries go to [email protected] or by calling 0800 061 4834 (available 24/7). The team is based at 17 Jetstream Drive, Doncaster DN9.