CapitalRise
CapitalRise is a London-based FCA-authorized online platform that funds UK property developers through eligible individual and corporate investors purchasing property-backed bonds from £1,000, offering Development, Bridging, Refurbishment, and Stabilisation finance.
- Company typePrivate
- Founded2016
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What CapitalRise does
CapitalRise Finance Limited is a London-based, FCA-authorized (firm reference 816789) online property investment platform founded in 2016 that operates a two-sided marketplace connecting eligible individual and corporate investors with UK property developers. Investors access property-backed bond investments from a £1,000 minimum through either a Standard Investment Account or an Innovative Finance ISA (IFISA) managed in partnership with Goji Financial Services, with client money held in segregated accounts at Starling Bank. Developers access debt and equity funding of £0.5m–£20m for terms of 6 months to 7 years through four lending products: Development Finance, Bridging Finance, Refurbishment Finance, and the newer Stabilisation Finance. Each investment is structured through a Special Purpose Vehicle that issues bonds to investors secured by a first or second legal charge over prime UK real estate, and the platform includes a Bulletin Board secondary market for early investor exit subject to a 1.5% fee.
CapitalRise generates revenue entirely from the borrower side: a 1% arrangement fee on gross loan at drawdown, a 1% exit fee on repayment, an interest margin of 0.5%–1% on senior loans and up to 2% on mezzanine loans, and extension fees of up to 1% on facility extensions. Investors pay no joining, management, or investment fees. As of April 2026, the platform had originated £611m in loans representing £1.310bn of property value and repaid £349m to investors, with an average investor return of 9.04% per annum and no investment loss reported since launch. Capital is sourced from a £250m bank funding line secured in January 2024 and a 50% extension to the senior facility in March 2026, with a prior £1.37m equity crowdfunding raise on Seedrs in May 2023 at a £40m pre-money valuation.
The company employs 11–50 staff led by co-founder and CEO Uma Rajah (formerly Head of Product at Wonga Group) alongside co-founders Alex Michelin and Andrew Dunn, both directors of Finchatton (a specialist prime central London property developer with over £1bn of investment experience). Founders personally co-invest in every project, and credit risk oversight is provided by a Board Director with 20+ years of corporate finance experience and a Head of Credit Risk hired from United Trust Bank.
CapitalRise firmographics
Firmographics- Name
- CapitalRise
- Legal name
- CapitalRise Finance Limited
- Website
- https://capitalrise.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CapitalRise is a London-based FCA-authorized online platform that funds UK property developers through eligible individual and corporate investors purchasing property-backed bonds from £1,000, offering Development, Bridging, Refurbishment, and Stabilisation finance.
- Ownership category
- akta.pro rank
CapitalRise industry classification
Industry- Product category
- Real Estate Lending
- NAICS
- Real Estate Credit (522292), Other Financial Vehicles (525990), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Asset-Backed Securities (6189), Security Brokers, Dealers & Flotation Companies (6211), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)
- akta.pro secondary industries
- Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB), Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM), Corporate Finance & Capital Advisory (BPAHADAB)
Keywords
Where CapitalRise is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
CapitalRise business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Borrower Arrangement Fees: CapitalRise charges borrowers a 1% arrangement fee on the gross loan amount at drawdown. This is the primary revenue stream from the lending side of the platform.
- Borrower Exit Fees: CapitalRise charges borrowers a 1% exit fee on the gross loan amount when the loan is repaid or exits.
- Interest Margin on Loans: CapitalRise earns an interest margin of 0.5%–1% for senior loans and up to 2% for mezzanine loans on gross loan amounts. This is charged to borrowers and represents ongoing revenue over the loan term.
- Borrower Facility Extension Fees: When borrowers extend their loan facility, CapitalRise charges extension fees of up to 1% of the gross loan dependent on the extension length.
- Investor Bulletin Board Exit Fee: CapitalRise charges investors a 1.5% fee on the current value of the investment when selling through the Bulletin Board secondary market.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Standard Investor Account - No fees |
| One time/ perpetual license | Pay-as-you-go | IFISA Account - No fees |
| Transaction based/ take rate | Multi-year contract | Borrower - Development/Bridging Loans (£0.5m–£20m) |
| Unit Pricing | Pay-as-you-go | Minimum Investment - £1,000 |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
CapitalRise product offering
Product offeringCore offering
CapitalRise is an FCA-authorised online property investment platform that connects UK property developers with eligible individual and corporate investors. Developers raise debt and equity finance (typically £0.5m–£20m) through loans issued by Special Purpose Vehicles (SPVs), and investors purchase property-backed bonds secured by first or second legal charges over prime UK real estate, accessible from a £1,000 minimum via a Standard Account or Innovative Finance ISA (IFISA).
Product overview
CapitalRise is an online property investment platform offering a portfolio of lending products for property developers and investment opportunities for eligible investors. The platform operates through three core lending products: Development Finance, Bridging Finance, and Refurbishment Finance (all accessible under the /borrow section), plus the newer Stabilisation Finance product. For investors, CapitalRise provides two account types — a Standard Investment Account and an Innovative Finance ISA (IFISA) — both enabling access to property-backed bond investments starting from £1,000 minimum. All investments are structured as loans secured by first or second legal charges over prime UK property. The platform includes a Bulletin Board secondary market for early exits. Revenue is generated from arrangement and exit fees charged to borrowers, plus interest margins. The company has facilitated over £611 million in originated loans since its 2016 launch.
Differentiator
Problem solved
Functional benefit
Products and services
- Development Finance
- Bridging Finance
- Refurbishment Finance
- Stabilisation Finance
- Innovative Finance ISA (IFISA)
- Standard Investment Account
- Bulletin Board Secondary Market
Quantifiable outcome
- Average rate of return of 9.04% p.a. for investors (from launch 2016 to April 2026)
- +5 more outcomes
Companies that use CapitalRise
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles2 records
CapitalRise technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CapitalRise partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Aros Kapital LimitedminorAros Kapital Limited is referenced as a business partner in CapitalRise's privacy policy. Their privacy policy is linked from CapitalRise's privacy documentation, indicating a data-sharing or referral relationship.
- UK Crowdfunding Association (UKCFA)coreCapitalRise is a proud member of the UK Crowdfunding Association. The UKCFA is an alliance that promotes the interests of crowdfunding platforms, their investors, and clients, and cooperates with regulators and lawmakers to help the industry progress.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
CapitalRise competitors and assessment
Company assessmentDirect peers
- Proplend: UK P2P platform for commercial property-secured loans to sponsors and developers. Comparable on the property-backed lending model and online investor interface, though skewed toward commercial rather than residential development.
- British Pearl: UK property investment platform offering fractional ownership of buy-to-let and development assets. Adjacent comparable — same target investor (eligible UK individuals) but uses equity/co-ownership rather than the bond/SPV structure CapitalRise deploys.
- LendInvest: UK online property finance platform offering development, bridging, and buy-to-let loans to property professionals. Closest scaled direct peer to CapitalRise in terms of product mix (development + bridging), institutional funding model, and digital origination.
- CrowdProperty: UK specialist property development finance P2P platform funding residential and mixed-use developers. Highly comparable to CapitalRise on target borrower, loan size band, and investor-led bond structure; one of CapitalRise's credit team members joined from CrowdProperty.
- Assetz Capital: UK-based peer-to-peer platform focused on property development, bridging, and SME lending. Most direct comparable to CapitalRise's core lending model, including overlapping borrower segments in UK property developers; Lee Francis, CapitalRise's Head of Origination, joined from Assetz Capital.
- Zorin Finance: UK specialist development finance lender focused on residential property developers, providing bridging, development exit, and refurbishment loans. Directly comparable to CapitalRise on borrower segment, product set, and ticket sizes; CapitalRise's Lending Director joined from Zorin Finance.
Broad incumbents
- United Trust Bank: UK specialist challenger bank with a sizeable property development and bridging finance book. A broader incumbent operating in the same developer lending segment; CapitalRise's Head of Credit previously led credit at United Trust Bank.
- Hampshire Trust Bank: UK specialist bank focused on property finance, including development and bridging loans. Comparable to CapitalRise on asset class and target developer segment, but as a regulated bank with materially larger deposit-funded balance sheet.
- Octopus Property: UK specialist property finance arm of Octopus Group providing development, bridging, and BTL loans. A broader incumbent with institutional backing and a wider product range, but overlapping directly with CapitalRise in UK development finance.
Others
- Berkeley Group: Large UK residential developer and housebuilder. Not a direct competitor, but CapitalRise's Finance Director Stuart Peel joined from Berkeley Group's St James division — illustrating the talent pool overlap and CapitalRise's positioning as a development-finance partner serving similar prime London sponsors.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CapitalRise social profiles
Digital presenceCapitalRise compliance and trust
Trust signalCompliance2 records
CapitalRise financial estimates
Financial estimateRevenue estimate
Valuation estimate
CapitalRise leadership team
Management profileNumber of profiles
Profiles10 records
CapitalRise funding detail
Funding detailFunding overview
Funding rounds9 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CapitalRise M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CapitalRise
What does CapitalRise do?
CapitalRise is an FCA-authorised online property investment platform that connects UK property developers with eligible individual and corporate investors. Developers raise debt and equity finance (typically £0.5m–£20m) through loans issued by Special Purpose Vehicles (SPVs), and investors purchase property-backed bonds secured by first or second legal charges over prime UK real estate, accessible from a £1,000 minimum via a Standard Account or Innovative Finance ISA (IFISA).
Is CapitalRise a public or private company?
CapitalRise is a private company. It is classified as venture growth investor backed and is currently operating.
When was CapitalRise founded?
CapitalRise was founded in 2016. It employs 11 to 50 people.
Where is CapitalRise based?
CapitalRise is headquartered in London, United Kingdom, in the Europe region.
How does CapitalRise make money?
Five revenue lines are on record. Borrower Arrangement Fees are the primary driver. The others are borrower Exit Fees, interest Margin on Loans, borrower Facility Extension Fees and investor Bulletin Board Exit Fee.
Who are CapitalRise's main competitors?
Direct peers on record are Proplend, British Pearl, LendInvest, CrowdProperty, Assetz Capital and Zorin Finance. Broad incumbents are United Trust Bank, Hampshire Trust Bank and Octopus Property. Berkeley Group is listed as an others.
Does CapitalRise have an API?
No public API is recorded for CapitalRise.
What industry is CapitalRise in?
CapitalRise's product category is Real Estate Lending. Its primary akta.pro industry code is BPAJANAE, Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing), with a secondary code of FSAHAIAB, Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO). Its NAICS code is 522292 and its SIC code is 6189.