Zorin Finance
Zorin Finance is a UK alternative property lender providing development finance (up to £100m+, 90% LTC) and investment loans (up to £150m, 75% LTV) to SME and mid-market developers and investors, owned by Avenue Capital Group.
- Company typePrivate
- Founded2011
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Zorin Finance does
Zorin Finance is a UK-based alternative property lender founded in 2011 by Luke Townsend, providing development finance and investment loans to SME and mid-market property developers and investors. The company operates as a direct lender with two core products: Development Finance (loans of £5m to £100m+, up to 90% LTC and 75% LTGDV, rates from 5.00% plus Bank of England base rate, terms up to 36 months) and Investment Loans (loans of £5m to £150m, up to 75% LTV, rates from 3.95% per annum plus base, terms up to 48 months) covering residential, PBSA, hotel, logistics, PRS, and senior living asset classes.
The business generates revenue primarily through interest income on its loan book plus arrangement and exit fees. As of 2025, outstanding balances have surpassed £1 billion, with cumulative lending of £2.84 billion across 290 loans since inception and a track record of zero capital losses. The company was acquired in 2021 by Avenue Capital Group, a specialist private credit investor with approximately $9bn AUM, which provides institutional funding capacity and underpins Zorin's ability to offer higher leverage and larger tickets than traditional banks that have retrenched from development lending since the Global Financial Crisis.
Distribution is conducted through a direct lending team, broker and introducer relationships (including Mutual Finance), and industry events such as UKREiiF, targeting UK geographies with a 2026 expansion into The Netherlands. The company operates with a small team of 11-50 employees and is headquartered at 19 Dacre Street, London. Zorin does not disclose any proprietary technology platforms or AI-driven underwriting capabilities, operating as a traditional relationship-led alternative lender.
Zorin Finance firmographics
Firmographics- Name
- Zorin Finance
- Legal name
- Zorin Finance Limited
- Website
- https://zorinfinance.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Zorin Finance is a UK alternative property lender providing development finance (up to £100m+, 90% LTC) and investment loans (up to £150m, 75% LTV) to SME and mid-market developers and investors, owned by Avenue Capital Group.
- Ownership category
- akta.pro rank
Zorin Finance industry classification
Industry- Product category
- Specialist Property Development and Investment Lending
- NAICS
- Real Estate Credit (522292), Nondepository Credit Intermediation (5222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)
- akta.pro secondary industries
- CRE Bridge & Transitional Lending (FSALADAC), SME Commercial Real Estate (CRE) Lending (FSABABAG)
Keywords
Where Zorin Finance is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Zorin Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Development Finance Interest: Zorin generates interest income from development finance loans provided to property developers for construction and development projects. Loans typically range from £5m to £100m+ with terms up to 36 months, generating interest revenue at rates starting from 5.00% plus Bank of England base rate.
- Investment Loan Interest: Revenue is generated from medium-term investment loans provided to real estate professionals for asset stabilization, refinancing, and repositioning. Investment loans range from £5m to £150m with terms up to 48 months, earning interest at rates starting from 3.95% per annum.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Development Finance - Up to 90% LTC, 75% LTGDV |
| Other | Multi-year contract | Investment Loans - Up to 75% LTV, £150m maximum |
| Other | Multi-year contract | Investment Loans - Up to 75% LTV, rates from 3.95% |
| Other | Multi-year contract | Development Finance - 90% LTGDV, £100m maximum |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Zorin Finance product offering
Product offeringCore offering
Zorin Finance is a UK-based alternative property lender offering Development Finance (£5m-£100m, up to 90% LTC and 75% LTGDV) for construction of residential, PBSA, hotel, and logistics schemes, and Investment Loans (£5m-£150m, up to 75% LTV, rates from 3.95% per annum) for acquisition, refinancing, stabilisation, and repositioning of stabilised assets. Loans are underwritten in-house by a nimble credit committee, with decisions typically delivered in 6-8 weeks, and are distributed directly to property developers and investors and via broker/introducer relationships.
Product overview
Zorin Finance operates as a dual-product property lending platform offering Development Finance and Investment Loans. Development Finance provides construction financing up to 90% LTC and 75% LTGDV for residential, PBSA, hotels, and logistics developments with loan sizes of £5m-£100m. Investment Loans offers flexible medium-term financing up to 75% LTV for property stabilisation and transition with rates from 3.95% per annum and loan sizes of £5m-£150m. The two products are designed to serve property developers and investors throughout the development lifecycle, from construction through to investment holding.
Differentiator
Problem solved
Functional benefit
Products and services
- Development Finance Construction finance for property developers providing leverage up to 90% LTC and 75% LTGDV with rates from 5.00% plus Bank of England base rate, arrangement fees from 1% rolled into the loan, and exit fees from 1%. Loans range from £5m to £100m+ with terms up to 36 months and interest payable on exit, available across residential, PBSA, hotel, logistics, and mixed-use asset types.
- Investment Loans Flexible medium-term finance for experienced residential and commercial property investors, offering up to 75% LTV (60-75% by asset class) with rates from 3.95% per annum plus Bank of England base rate. Loans range from £5m to £150m with terms up to 48 months and ICR, DSCR, LTV and WAULT covenants, for acquisition, refinancing, stabilisation, repositioning, refurbishment, and development exit across stabilised residential and commercial, PRS, regional offices, light industrial, distribution, hotels, student, and multi-tenanted portfolios.
Quantifiable outcome
- 290 loans provided with zero capital losses
- +2 more outcomes
Companies that use Zorin Finance
Customer profileNamed customers12 records
Segments4 records
Ideal customer profiles2 records
Zorin Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Zorin Finance partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- Mutual FinanceminorMutual Finance is a finance broker that introduces borrowers to Zorin Finance. Gordon Robinson of Mutual Finance introduced the £10.5m development loan with Charles Jordon Homes in the West Midlands, demonstrating the broker referral model.
- BCEGIminorBCEGI is the principal contractor for the Church Street Place BTR development in Eccles (joint venture between Arlesco Ventures and Silverlane Developments). Zorin provided the £42.5m funding facility for this project, working alongside BCEGI as the main contractor.
- NaismithsminorNaismiths serves as project monitors for the Church Street Place development in Eccles. They were involved from the pre-construction phase when the funding facility was being agreed, providing independent oversight of the project.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Zorin Finance competitors and assessment
Company assessmentDirect peers
- Maslow Capital: UK specialist development finance lender providing senior and stretch senior loans to residential developers. Closely comparable to Zorin in target customer (UK SME and mid-market developers), product type (development finance with high LTV), and deal size range.
- Atelier Capital Partners: UK specialist property development lender offering stretch senior, mezzanine and bridging finance to developers. Directly comparable to Zorin's product mix, leverage profile, and SME/mid-market developer target market.
- ASK Partners: UK real estate investment manager and lender offering development finance, bridging and investment loans to property professionals. Comparable to Zorin in offering high-leverage, flexible financing to UK developers and investors outside the high street bank model.
- Together Money: UK specialist lender offering bridging, development and investment property finance to SMEs, investors and developers. Comparable alternative-lender business model and target segments to Zorin, though broader product range.
- BLEND Loan (Blender Finance): UK specialist development finance and bridging lender targeting SME property developers. Comparable to Zorin's development finance product with similar stretch-senior leverage and flexible underwriting approach.
Broad incumbents
- OakNorth Bank: UK challenger bank lending to SMEs and property developers/investors with a focus on bespoke, higher-LTV property loans. Overlaps with Zorin in the property development lending segment but operates a broader deposit-funded SME and savings franchise.
- Shawbrook Bank: UK challenger bank with a specialist property division offering bridging, development and buy-to-let mortgages. Overlaps with Zorin in development finance but is a much larger, diversified specialist lender.
- Aldermore Bank: UK challenger bank offering asset finance, property development, bridging and buy-to-let lending as part of a broader retail and commercial franchise. Comparable in property development lending but materially broader in product range.
- Paragon Bank: UK specialist bank active in buy-to-let, bridging and development finance for property professionals. Comparable to Zorin in development finance target market but operates a much wider specialist banking franchise.
Regional players
- Time Private Finance: UK private bank providing bespoke property-backed lending to high-net-worth individuals and property investors. Comparable to Zorin's investment loans product in offering flexible LTV lending against property, though focused on HNW rather than SME developer market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Zorin Finance social profiles
Digital presenceZorin Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zorin Finance leadership team
Management profileNumber of profiles
Profiles7 records
Zorin Finance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zorin Finance M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zorin Finance
What does Zorin Finance do?
Zorin Finance is a UK-based alternative property lender offering Development Finance (£5m-£100m, up to 90% LTC and 75% LTGDV) for construction of residential, PBSA, hotel, and logistics schemes, and Investment Loans (£5m-£150m, up to 75% LTV, rates from 3.95% per annum) for acquisition, refinancing, stabilisation, and repositioning of stabilised assets. Loans are underwritten in-house by a nimble credit committee, with decisions typically delivered in 6-8 weeks, and are distributed directly to property developers and investors and via broker/introducer relationships.
Is Zorin Finance a public or private company?
Zorin Finance is a private company. It is classified as private equity controlled and is currently operating.
When was Zorin Finance founded?
Zorin Finance was founded in 2011. It employs 11 to 50 people.
Where is Zorin Finance based?
Zorin Finance is headquartered in London, United Kingdom, in the Europe region.
How does Zorin Finance make money?
Two revenue lines are on record. Development Finance Interest is the primary driver. The others are investment Loan Interest.
Who are Zorin Finance's main competitors?
Direct peers on record are Maslow Capital, Atelier Capital Partners, ASK Partners, Together Money and BLEND Loan (Blender Finance). Broad incumbents are OakNorth Bank, Shawbrook Bank, Aldermore Bank and Paragon Bank. Time Private Finance is listed as a regional player.
Does Zorin Finance have an API?
No public API is recorded for Zorin Finance.
What industry is Zorin Finance in?
Zorin Finance's product category is Specialist Property Development and Investment Lending. Its primary akta.pro industry code is FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily, with a secondary code of FSALADAC, CRE Bridge & Transitional Lending. Its NAICS code is 522292 and its SIC code is 6162.