Avamore Capital Review

Item: Avamore Capital Business Finance
Author: Lendus

Figures last checked 23 August 2026. Independent review by Lendus — we are an introducer, not a lender, and are not paid by Avamore Capital.

What does Avamore Capital offer UK businesses?

Avamore Capital lends £250k to £25M at rates from 0.56% to N/A. Approval: Avamore states a bridging loan can typically be obtained within 3 to 4 days, depending on documentation and solicitor responsiveness. Refurbishment finance is often approved within 24 hours, which Avamore contrasts with the multi-week timelines it says are typical elsewhere.. Minimum trading history No minimum trading history is published. Avamore lends against the property or development scheme and exit strategy rather than the borrower's or company's trading track record, and states that development finance is available to less experienced developers.. Minimum turnover No minimum turnover is published; lending is secured against the property or development scheme rather than borrower or company turnover.. Figures checked 23 August 2026 and indicative only.

Avamore Capital is a UK principal lender specialising in bridging and development finance for property professionals, headquartered in London. The company was incorporated in 2015 (Companies House number 09820738) and lends against bridging, ground-up development, part-complete development, refurbishment and purpose-built student accommodation (PBSA) schemes, primarily across mainland England and Wales. Avamore states it has lent over £500 million and supported more than 342 borrowers. Its loans are unregulated business and investment finance; Avamore states that any lending made to private individuals is structured to fall within the exemptions set out in the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001.

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

Amount

£250k – £25M

Rates

0.56% – N/A

per month; Avamore quotes bridging rates 'from 0.56% p.m.' with the Bank of England Base Rate (BBR) added to the Avamore rate and fixed for the life of the loan. No maximum rate is published, as each loan is priced individually. Development finance is quoted separately from 6.75% p.a. plus BBR.

Speed

Avamore states a bridging loan can typically be obtained within 3 to 4 days, depending on documentation and solicitor responsiveness. Refurbishment finance is often approved within 24 hours, which Avamore contrasts with the multi-week timelines it says are typical elsewhere.

What is Avamore Capital?

Avamore Capital (Avamore Capital Limited) is a UK-based business finance provider founded in 2015 and headquartered in London. Avamore Capital is a UK principal lender specialising in bridging and development finance for property professionals, headquartered in London. The company was incorporated in 2015 (Companies House number 09820738) and lends against bridging, ground-up development, part-complete development, refurbishment and purpose-built student accommodation (PBSA) schemes, primarily across mainland England and Wales. Avamore states it has lent over £500 million and supported more than 342 borrowers. Its loans are unregulated business and investment finance; Avamore states that any lending made to private individuals is structured to fall within the exemptions set out in the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001. They have lent £500 million+ to date, helping 342+ UK businesses.

Founded 2015 London Avamore Capital is not FCA-authorised. It states on its own website that it is a provider of unregulated loans to corporate entities and private individuals, and that any loans made to private individuals comply with the exemptions set out in the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001. This is common for UK business and investment bridging and development finance and does not carry FCA-regulated consumer protections.

Where these details come from

Companies House number: find-and-update.company-information.service.gov.uk , checked 2026-08-23
Regulatory status: www.avamorecapital.com , checked 2026-08-23
founded: find-and-update.company-information.service.gov.uk , checked 2026-08-23
headquarters: avamorecapital.com , checked 2026-08-23
rateRange: avamorecapital.com , checked 2026-08-23
totalLent: www.avamorecapital.com , checked 2026-08-23

Rates and costs

Rate range: 0.56% – N/A (per month; Avamore quotes bridging rates 'from 0.56% p.m.' with the Bank of England Base Rate (BBR) added to the Avamore rate and fixed for the life of the loan. No maximum rate is published, as each loan is priced individually. Development finance is quoted separately from 6.75% p.a. plus BBR.)
Amount range: £250,000 – £25,000,000
Approval speed: Avamore states a bridging loan can typically be obtained within 3 to 4 days, depending on documentation and solicitor responsiveness. Refurbishment finance is often approved within 24 hours, which Avamore contrasts with the multi-week timelines it says are typical elsewhere.

Eligibility requirements

Minimum trading history: No minimum trading history is published. Avamore lends against the property or development scheme and exit strategy rather than the borrower's or company's trading track record, and states that development finance is available to less experienced developers.
Minimum turnover: No minimum turnover is published; lending is secured against the property or development scheme rather than borrower or company turnover.
Credit requirements: No published minimum credit score. Avamore assesses lending primarily on the property, loan-to-value or loan-to-GDV, and exit strategy. It states it is flexible on personal guarantees and will consider foreign and overseas resident borrowers, complicated equity structures and less experienced developers.

How to apply

Check eligibility through Lendus: answer a few questions about your business and funding needs (2 minutes)

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Pros and cons

Pros

Specialist principal lender focused solely on bridging and development finance, with decisions made in-house
High maximum loan sizes: bridging up to £25 million and development finance from £500,000 upwards
Flexible on personal guarantees, foreign and overseas resident borrowers, and complicated equity structures
Fast turnaround: bridging loans can complete in 3 to 4 days and refurbishment finance can be approved within 24 hours
Development finance is available to less experienced developers, not only those with an established track record

Cons

Unregulated lender; not suitable for borrowers who need or expect FCA-regulated consumer protections
High minimum loan size (from £250,000 for bridging and refurbishment, £500,000 for ground-up development) rules out smaller transactions
Rates are quoted as a variable monthly rate plus Bank of England Base Rate, so the true cost depends on the prevailing BBR at drawdown
Development finance lending is restricted to mainland England and Wales

Is Avamore Capital right for you?

Best for

Property developers and investors needing large bridging loans (£250,000 to £25 million) or ground-up development, part-complete, refurbishment or PBSA finance, including less experienced developers, foreign or overseas residents, or those with complex equity structures

Not ideal for

Borrowers needing loans under £250,000, residential owner-occupiers seeking FCA-regulated lending, or developers with schemes outside mainland England and Wales

Frequently asked questions about Avamore Capital

Is Avamore Capital legit?

Yes. Avamore Capital Limited is an active UK company (Companies House number 09820738, incorporated in 2015) and a principal bridging and development finance lender headquartered in London. Avamore states it has lent over £500 million and supported more than 342 borrowers. You can verify its registration at Companies House.

Is Avamore Capital FCA regulated?

No. Avamore Capital describes itself as a provider of unregulated loans to corporate entities and private individuals. It states that any lending made to private individuals is structured to comply with the exemptions set out in the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001. This is common for business and investment bridging and development finance in the UK, but it does not carry the consumer protections of FCA-regulated lending.

What bridging loan rates does Avamore Capital charge?

Avamore quotes bridging rates from 0.56% per month, with the Bank of England Base Rate added to the Avamore rate and fixed for the life of the loan. Floating rate options are available on request. Rates are individually assessed and depend on loan-to-value, exit strategy and the specific transaction, so no maximum rate is published.

How much can I borrow from Avamore Capital?

Bridging loans range from £250,000 to £25 million at up to 75% loan-to-value. Development finance starts from £500,000, with lending available up to 70% loan-to-GDV and 70% day-one loan-to-value. Refurbishment finance starts from £250,000, with up to 75% LTGDV or 85% LTV available on day one.

How fast is Avamore Capital's approval process?

Avamore says a bridging loan can typically be obtained within 3 to 4 days, depending on how quickly documentation and solicitors are turned around. Refurbishment finance is often approved within 24 hours, which Avamore says is considerably faster than the multi-week timelines it sees elsewhere in the market.

Does Avamore Capital lend to first-time or less experienced developers?

Yes. Avamore states that development finance is available to less experienced developers, not only those with an established track record, and describes itself as flexible and creative in structuring solutions for newer entrants to development.

Does Avamore Capital lend to foreign or overseas residents?

Yes. Avamore's published bridging and development finance criteria explicitly include consideration of foreign and overseas resident borrowers, and the company says it is flexible on personal guarantees and complex equity structures.

Where does Avamore Capital lend?

Avamore's development finance is available across mainland England and Wales. Bridging finance is offered more broadly, but exact geographic coverage should be confirmed directly with Avamore for a specific property.