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Atelier Finance Review

Figures last checked . Independent review by Lendus — we are an introducer, not a lender, and are not paid by Atelier Finance.

What does Atelier Finance offer UK businesses?

Atelier Finance lends £3M to £40M at rates from BBR+4.99% to BBR+6.99%. Approval: No fixed turnaround time is published. Atelier states it offers direct access to decision-makers for faster credit-backed approvals, with a dedicated drawdown team for ongoing project drawdowns.. Minimum trading history Not publicly stated as a fixed number of years. Atelier targets professional developers with a demonstrable track record of similar, completed developments.. Minimum turnover Not publicly stated. Lending decisions are based on developer track record, project viability and security rather than a disclosed minimum turnover threshold.. Figures checked 23 August 2026 and indicative only.

Atelier Finance is a UK development and bridging finance lender headquartered in London, trading through Atelier Capital Partners Limited. The company provides bespoke loans from £3 million to £40 million to professional property developers across residential, purpose-built student accommodation, build-to-rent, care and bridging sectors. Rates are priced against the Bank of England Base Rate plus a margin, with loan-to-gross-development-value of up to 70% and loan-to-cost of up to 90%. Atelier's development and bridging loans are provided for business purposes and structured as exempt agreements outside FCA regulation, though the firm is registered with the FCA for anti-money laundering supervision. The lender targets experienced developers with a track record of comparable schemes rather than first-time or small-scale borrowers.

Written by the Lendus editorial team. Last updated: April 2026.

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Amount

£3M – £40M

Rates

BBR+4.99% – BBR+6.99%

per annum, priced as Bank of England Base Rate (BBR) plus a margin that varies by product, loan-to-value and loan size; fees apply on a case-by-case basis

Speed

No fixed turnaround time is published. Atelier states it offers direct access to decision-makers for faster credit-backed approvals, with a dedicated drawdown team for ongoing project drawdowns.

What is Atelier Finance?

Atelier Finance (Atelier Capital Partners Limited) is a UK-based business finance provider founded in 2019 and headquartered in London. Atelier Finance is a UK development and bridging finance lender headquartered in London, trading through Atelier Capital Partners Limited. The company provides bespoke loans from £3 million to £40 million to professional property developers across residential, purpose-built student accommodation, build-to-rent, care and bridging sectors. Rates are priced against the Bank of England Base Rate plus a margin, with loan-to-gross-development-value of up to 70% and loan-to-cost of up to 90%. Atelier's development and bridging loans are provided for business purposes and structured as exempt agreements outside FCA regulation, though the firm is registered with the FCA for anti-money laundering supervision. The lender targets experienced developers with a track record of comparable schemes rather than first-time or small-scale borrowers. .

Founded 2019 London Atelier Capital Partners Limited is not authorised by the Financial Conduct Authority. Its development and bridging loans are exempt agreements under the Consumer Credit Act 1974 and the Financial Services and Markets Act 2000. The firm is registered with and supervised by the FCA for anti-money laundering purposes only, under registration number 910090.

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Products offered

Development FinanceBridging Loans

Rates and costs

Rate range
BBR+4.99% – BBR+6.99% (per annum, priced as Bank of England Base Rate (BBR) plus a margin that varies by product, loan-to-value and loan size; fees apply on a case-by-case basis)
Representative APR
Not published as a fixed APR. Rates are quoted as Bank of England Base Rate plus a margin of 4.99% to 6.99% per annum depending on product and LTV, so the representative cost moves with the prevailing base rate.
Amount range
£3,000,000 – £40,000,000
Approval speed
No fixed turnaround time is published. Atelier states it offers direct access to decision-makers for faster credit-backed approvals, with a dedicated drawdown team for ongoing project drawdowns.

Eligibility requirements

Minimum trading history
Not publicly stated as a fixed number of years. Atelier targets professional developers with a demonstrable track record of similar, completed developments.
Minimum turnover
Not publicly stated. Lending decisions are based on developer track record, project viability and security rather than a disclosed minimum turnover threshold.
Credit requirements
Not explicitly published. Underwriting is based on the developer's track record, the project's viability and exit strategy, and security cover (LTGDV/LTC) rather than a disclosed personal or company credit score threshold.

How to apply

1

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2

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3

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Pros and cons

Pros

  • Large loan sizes from £3 million to £40 million, suited to substantial development schemes
  • High gearing available, up to 90% loan-to-cost and 70% loan-to-gross-development-value
  • Covers multiple sectors: residential, purpose-built student accommodation, build-to-rent, care and bridging
  • Daily interest and a transparent fee structure, so borrowers pay only for time drawn
  • Dedicated drawdown team supports staged drawdowns through the build programme

Cons

  • Aimed at professional developers with a track record; not suited to first-time developers
  • Minimum loan size of £3 million rules out smaller schemes
  • Rates are tracked against the Bank of England Base Rate plus a margin, so cost moves with base rate changes
  • No published fixed rate card or guaranteed approval speed; exact cost and timing require a direct enquiry
  • Development and bridging products are unregulated exempt agreements, so borrowers do not get FCA consumer protections on these loans

Is Atelier Finance right for you?

Best for

Established, professional property developers with a track record of comparable schemes seeking £3 million to £40 million of development or bridging finance across residential, student accommodation, build-to-rent or care sectors.

Not ideal for

First-time developers, borrowers needing loans under £3 million, or anyone wanting FCA-regulated consumer protections, since Atelier's development and bridging products are unregulated exempt agreements.

Atelier Finance alternatives

If Atelier Finance isn't the right fit, consider these alternatives:

LendInvest Shawbrook Bank Octopus Real Estate Hampshire Trust Bank

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Frequently asked questions about Atelier Finance

Is Atelier Finance legit?
Yes. Atelier Finance trades through Atelier Capital Partners Limited, a company registered in England and Wales under number 11888767, incorporated on 18 March 2019 with its registered office at 94-96 Wigmore Street, London W1U 3RF. You can verify these details at Companies House.
What are Atelier Finance's development finance rates?
Atelier prices its residential development finance as the Bank of England Base Rate (BBR) plus a margin, ranging from BBR+4.99% up to 65% LTV to higher margins for higher LTV or smaller loan sizes. Bridging finance is priced separately, with margins published up to BBR+6.99% for higher-risk cases such as land with planning. Fees apply on a case-by-case basis, and because rates track the base rate, the actual cost moves with Bank of England policy.
Is Atelier Finance FCA regulated?
No. Atelier Capital Partners Limited states plainly that it is not authorised by the Financial Conduct Authority, and that its loans are exempt agreements under the Consumer Credit Act 1974 and the Financial Services and Markets Act 2000. This is normal for business development and bridging finance in the UK. The firm is separately registered with the FCA for anti-money laundering supervision only, under registration number 910090.
How much can I borrow from Atelier Finance?
Atelier lends from £3 million to £40 million, with loan-to-gross-development-value of up to 70% (with discretion to go higher) and loan-to-cost of up to 90%. Terms run from 12 to 36 months, with a minimum interest period typically of 3 months.
What sectors does Atelier Finance lend against?
Atelier finances residential development, purpose-built student accommodation, build-to-rent schemes and care sector developments, alongside bridging finance for property acquisition and developer exit strategies.
Who can apply for an Atelier Finance loan?
Atelier targets professional developers with a demonstrable track record of similar, completed developments. It does not publish a minimum number of years trading or a minimum turnover figure; eligibility is assessed on the developer's experience, the project itself, and the security offered.
How fast does Atelier Finance make lending decisions?
Atelier does not publish a fixed turnaround time. It states it offers direct access to decision-makers for faster credit-backed approvals and has a dedicated drawdown team for ongoing project drawdowns, but borrowers should contact Atelier directly for a decision timeline on a specific scheme.
Atelier Finance vs LendInvest, which is better for development finance?
Atelier focuses on larger, professional development schemes from £3 million to £40 million with rates tracked against the Bank of England Base Rate, while LendInvest also serves smaller developers and offers more standardised, published rate cards across a wider range of loan sizes. For substantial, complex schemes with an experienced developer, Atelier's bespoke structuring can suit; for smaller or first-time development projects, LendInvest or another development lender may be more accessible. Both are worth comparing through Lendus.

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