A better way to lend. One application. A clear answer.
For property investors and developers the big lenders ignore. And for investors who want to fund loans secured on UK property.
We underwrite the deal. Not the credit score.
Bridging, refurbishment, development finance and business second charge loans. See your likely rate in a minute.
Test your deal I want to investTwo ways in. Own part of the lender, or fund its loans.
£1.5m for 20% equity, or up to £5m of lending capital at 12% fixed. Lee takes you through it himself.
Capital is at risk. With equity, you could lose all of the money you invest.
See both offersOne loan took seven months. It cost £35,000 in interest, just waiting.
- Lee was moving an HMO from a bridging loan onto development finance. A simple switch. The lender said it would take a couple of weeks.
- Then the lawyer disappeared for two or three weeks at a time. The lender's business development manager went quiet for two months, until Lee complained to his bosses. The broker and the lender spent two months blaming each other over one redemption statement.
- He couldn't walk away. The surveys and legal work were already paid for. So he kept chasing.
- Seven months later the loan came through. The wait had cost him £35,000 in interest.
"It's all human error. To these people, it's just a job. But for the people on the receiving end, there's consequences financially. So I built Atlas Capital out of pure pain."
Llewellyn (Lee) Lloyd · Founder and CEO
No chasing. No blame. One process you can see.
A fast, clear decision
Our deal analyser was built by a property investor. It judges the deal, not a list of tick boxes. Credit sign-off is targeted within 48 hours of a complete, verified file.
You see every step
Your loan runs inside the Atlas app. You always know where it is and what happens next, so nobody has to chase anybody.
We stay with you after the money lands
Once the deal is agreed, you send a short progress update through the app at least once a month. If something starts to slip, we both see it early, while there is still time to extend or move to other finance.
We can step in
If your builder lets you down, Atlas can step in and get the project moving through Lee's own building company. There is a cost for this.
The banks stepped back. The borrowers didn't go away.
Bank lending to small property developers halved between 2017 and late 2024. The money moved to private lenders. And only 3 of 73 surveyed development lenders will write a loan under £5m. That is where Atlas Capital lends.
Bank lending to SME developers. Source: CapitalRise, from Bank of England data, Feb 2025. Lender count: Bayes YE2025 lender survey.
£1.5m for 20%. Own a share of Atlas Capital.
You could lose all of the money you invest. Shares in a private company are hard to sell.
See the equity offer Lending capitalUp to £5m at 12% fixed. Fund loans secured on UK property.
Capital is at risk. Security reduces risk but does not eliminate it.
See the lending offer