Clopton Capital provides agile, investor-focused financing for 1-4 unit properties, including single-family homes, duplexes, triplexes, and fourplexes. Whether you are executing a fix and flip, building a rental portfolio, or launching a short-term rental (STR), our programs bypass the constraints of traditional high-street lending.
We match your investment strategy with a specialized capital source to maximize leverage and speed:
Fix & Flip / Bridge: Short-term funding (6–24 months) for acquisitions and heavy refurbishments. We can finance up to 90% of the purchase price and 100% of the rehab budget.
DSCR Rental Loans: Qualify based on the property’s rental income rather than your personal W-2 or tax returns. Ideal for self-employed investors and those with complex financial profiles.
Short-Term Rental (STR): Specialist financing for properties listed on Airbnb or VRBO. We use projected “nightly” income data rather than traditional long-term AST rents for underwriting.
New Build / Ground-Up: Financing for single-family residences, townhomes, and ADUs (Accessory Dwelling Units) with fast draw turnarounds.
Rental Portfolios: Consolidate multiple 1-4 unit properties into a single loan to lower your aggregate interest rate and simplify management.
Loan Size: £75,000 to £5,000,000+ (Portfolio loans can go significantly higher).
Leverage: Up to 80% LTV for long-term rentals; up to 90% LTC for fix-and-flip projects.
Closing Speed: 5 to 15 business days for bridge/rehab; 21–30 days for term debt.
Credit Score: Programs available for borrowers with credit as low as 640, though 700+ commands the best rates.
Prepayment: Flexible options, including “no-penalty” bridge loans or 3-5 year step-down structures for long-term debt.
Online Intake: Complete our streamlined application at loans.cloptoncapital.com.
Instant Review: We analyze the property’s income potential and your experience level.
Receive Terms: View multiple lender quotes side-by-side.
Due Diligence: We coordinate the appraisal, title, and legal review.
Close: Funds are dispersed to your acquisition or renovation project.
Lock in your next investment with fast, flexible 1-4 unit property financing.
Not for our DSCR-based programs. We focus on the property’s cash flow and your credit history.
Yes. We specialize in lending to UK Limited Companies (SPVs) and LLPs, which is often preferred for tax efficiency.
Yes. Our Fix & Flip and Bridge programs provide draws to cover 100% of the refurbishment budget as work is completed.
No. We work with first-time flippers and seasoned portfolio landlords alike.
