At Clopton Capital, we provide UK-based developers and sponsors with the sophisticated capital stacks required to bring ambitious projects to life. As your dedicated commercial mortgage broker, we specialise in sourcing commercial construction loans—often referred to in the UK as Development Finance—for ground-up builds, major renovations, and structural expansions. From London high-rises to industrial hubs in Manchester and Birmingham, we bridge the gap between your vision and the institutional capital required to execute it.
Clopton Capital helps investors and owner-operators secure commercial mortgages for income-producing real estate across the nation. We match your deal with the right capital source—major Australian banks, credit unions, life insurance companies, CMBS, or private lenders—based on property performance, business plan, sponsor profile, and timing.
Whether you are purchasing, refinancing, or repositioning an asset in a major CBD or regional hub, our streamlined process is designed to move fast, minimize surprises, and deliver commercial mortgage options you can confidently close.
Capital Preservation: Finance up to 75%–85% of costs, keeping your liquidity available for other opportunities.
Bespoke Structures: Roll your construction debt into a “mini-perm” or long-term commercial mortgage upon project stabilisation.
Speed of Execution: Access to private debt funds and challenger banks that move faster than traditional high-street lenders.
While the UK doesn’t utilise SBA programmes, the market offers several high-leverage alternatives:
Senior Debt (Bank Loans): Traditional financing from UK banks and financial institutions. These offer competitive industry-standard rates with straightforward underwriting.
Mezzanine Finance: Used to bridge the gap when senior debt doesn’t cover the full capital requirement. Mezzanine is vital for non-recourse construction debt stacks.
Stretch Senior Finance: A single-loan product that combines senior and mezzanine layers, often reaching higher Loan-to-Cost (LTC) ratios.
Bridging-to-Development: Short-term capital used to secure land or obtain planning permission before transitioning into a full construction facility.
Commercial construction loan rates vary based on the project risk, location, and sponsor track record.
Loan Size: £5,000,000 to £50,000,000+
Leverage (LTC): Up to 75%–85% Loan-to-Cost (when using mezzanine or preferred equity).
Term: Typically up to 36 months, with options to roll into permanent finance.
Recourse: Both recourse and non-recourse construction loans are available for qualified sponsors.
Rates: Fixed or floating, typically priced at a margin over SONIA.
UK lenders evaluate eligibility based on three primary pillars:
Sponsor Track Record: Your experience with similar-scale projects in the UK market.
Project Viability: A review of the Gross Development Value (GDV), planning status, and contractor credentials.
Financial Strength: Individual and business credit history, alongside your available “equity in the deal” (typically 10%–30% of total costs).
To provide an accurate quote for your development, we typically require:
Project Site: Address and planning permission status.
Appraisal/Budget: Detailed breakdown of acquisition costs and construction “hard and soft” costs.
Professional Team: Details of your architect, main contractor, and quantity surveyor.
Exit Strategy: Your plan to either sell the asset or refinance into a permanent commercial mortgage.
Sponsor CV: Summary of previous successfully completed developments.
Speak with a specialist to compare the UK’s most competitive development finance options.
For projects with a clear build-cost plan and planning in place, initial lender feedback is often available within 24–72 hours.
Our structured finance programmes for construction typically start from £5,000,000, serving mid-to-large scale developments UK-wide.
LTC (Loan-to-Cost) is the percentage of the total project cost (land + build) that the lender will finance. This differs from LTV, which is based on the final completed value (GDV).
Yes. We facilitate development finance for projects across London, the Midlands, Northern England, Scotland, and Wales.
