Capital Raising

Portfolio Sales

Forward Flow


Buy-Side Analytics

Asset Expertise

Note: SpecFin Capital Ltd sources debt funding for originators and is not involved in the origination of underlying loans

1st Charge Mortgages – Resi & BTL

Regulated and unregulated products, Prime and Non-Conforming, Self-Employed, Expat & Foreign Borrowers, HMOs and Multi-Unit Freehold Blocks, Ltd Companies and other ownership structures

2nd Charge Mortgages

Term Loans and Revolving Lines of Credit (HELOCs), Prime and Near-Prime Borrowers, High LTV loans up to 95%, Equitable Charges, Regulated and Unregulated products

Bridging – Granular & Large Loans

Residential, Commercial and Mixed-Use Bridging, Granular, Multi-Property & High-Value Single Asset Loans, Light Refurb and Developer Exit

Development Finance

Ground-Up Development Finance, Medium & Heavy Refurbishment Loans, Site Acquisition and Land with Planning

Secured SME

Asset Finance, Equipment Finance and Invoice Finance / Trade Receivables

Unsecured SME

Granular to mid-market business loans across diversified sectors

Consumer Loans, BNPL & Cards

Unsecured Consumer Debt – including Term Loans and Revolving Credit

Auto Loans / Vehicle Finance

Prime and Near-Prime Borrowers, Loans, Leasing and Hire Purchase, Electric Vehicles and non-EVs, Cars, Bikes & Commercial Vehicles

Esoteric Assets

Renewable (Solar, Wind), Receivables Finance, Litigation Funding, Insurance-Linked Securities, Precious Metals


Senior & Stretch Senior Debt

Standard and high advance rate structures, optimal leverage tailored to asset class and sponsor

Forward Flow

100% funding for new originations to enable asset-light funding models for various asset classes

OpCo Corporate Debt

Term or revolving debt at OpCo for SPV junior lending capital or opex requirements

Mezzanine Debt

High advance rate tranches – either as standalone or as part of package with senior funding

Junior Debt

Junior capital providing first loss subordination and/or risk retention

Portfolio Sales

Maximising proceeds and capital release from backbook portfolios including any arrears

Revolving Facilities

Committed or uncommitted revolving credit facilities with recourse to corporate

Private Securitisations

Private ABS structures without any recourse to originator, structured as on or off-balance sheet

Why SpecFin Capital?

Niche Focus & Deep Expertise

Expertise covering sourcing, modelling, diligence, structuring and execution of complex transactions across diverse asset classes

Proven Track Record

£5bn+ track record across full spectrum of asset classes and diverse structures

Transaction Support

Support from transaction inception to closing, and execution within tight timelines

Bespoke Solutions

Customised structures and funding solutions to unlock maximum value for clients

Extensive Network of Relationships

Access to deep relationships with banks, credit funds, PE funds and other institutional investors – as well as potential partnerships with other platforms


Unconflicted with any balance sheet and clear alignment with client interest

Long-Term Approach

Non-transactional approach to client relationships, sustained long-term collaboration

Start-Up & Scale-Up Friendly

Extensive experience of helping early stage, growth stage and mature platforms

Scalable Institutional Capital

Flexible structures that can scale with growth of platform, ranging from £10m to £1bn+