About Vector Capital
Vector Capital is a commercial lending group operating from First Central 200 in North London (NW10), offering secured first charge loans to UK businesses. The group includes Vector Capital Limited, Vector Business Finance Limited (VBFL) and Vector Asset Finance Limited (VAFL), giving it the structural flexibility to serve a range of secured lending scenarios beyond straightforward property bridging.
Founder Ross Andrews brings over 40 years of experience from London's financial ecosystem, including time as a regulator at the London Stock Exchange before moving into commercial lending. That regulatory background has shaped an unusually principled approach to transparency and integrity — values that Andrews describes as the two constants throughout his decades in finance. A proprietary loan management platform, developed in-house, allows the small Vector team to manage over 100 active loans with the efficiency of a much larger organisation.
The lending philosophy is deliberately conservative: a high volume of sub-£1 million loans rather than concentration risk in a small number of large transactions. That spread-the-risk approach, combined with the 90-day valuation basis for lending decisions, has produced a track record of minimal defaults. All loans are unregulated, business-to-business facilities secured by first charge on land and property. Decisions in principle are delivered on a same-day basis once proposals are submitted through the online portal.
Bridging Loans from Vector Capital
Vector lends from £50,000 upward on bridging and development finance, with terms up to 12 months. LTVs and rates are priced per case — contact the team for indicative terms. All loans are unregulated and secured by first legal charge. Coverage includes England, Scotland and Wales.
What Can Vector Capital Finance?
- Residential investment bridging — purchase, auction, capital raise
- Land and property development acquisitions
- Conversions and permitted development
- Business secured loans and working capital
- Buy-to-let term loans for experienced landlords
How to Apply with Vector Capital
Vector works through commercial finance brokers and directly with experienced borrowers and business owners. Proposals can be submitted via the online portal at vectorcapital.co.uk. For direct enquiries: [email protected] or by phone on 020 8191 7615. The team is based at 6th Floor, First Central 200, 2 Lakeside Drive, London NW10.
Contact
Address:
Vector Capital Limited
6th Floor, First Central 200, 2 Lakeside Drive, London NW10 7FQ
Phone:
020 8191 7615