Karis Capital
Karis Capital is a UK FCA-regulated real estate debt and insurance advisory firm serving developers, investors, and family offices, offering development funding, bridging, mortgages, and commercial insurance with over £600 million in originations in its first year.
- Company typePrivate
- Founded-
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Karis Capital does
Karis Capital is a UK-based financial services firm founded in November 2023 that operates as a real estate debt and insurance advisory through two FCA-regulated entities: Karis Capital Limited (FCA registration 951936) and Karis Insurance Brokers Limited (FCA registration 1020703). The firm provides development funding, short-term lending (bridging), investment finance, commercial mortgages, HNW mortgages, regulated mortgages, and asset finance on the debt side, alongside an insurance arm focused on commercial property, latent defects cover (10-year new-build guarantees), contractors all risks, and professional indemnity. Operating from its City of London headquarters at 44 Moorfields, EC2Y 9AL with a newly opened Manchester office, the firm targets UK property developers, property investors, housing associations, family offices, and HNW borrowers requiring complex or non-standard financing that mainstream banks decline.
Karis Capital firmographics
Firmographics- Name
- Karis Capital
- Legal name
- Karis Capital Limited
- Website
- https://kariscapital.co.uk
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Karis Capital is a UK FCA-regulated real estate debt and insurance advisory firm serving developers, investors, and family offices, offering development funding, bridging, mortgages, and commercial insurance with over £600 million in originations in its first year.
- Ownership category
- akta.pro rank
Karis Capital industry classification
Industry- Product category
- Real Estate Debt & Insurance Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Offices of Real Estate Agents and Brokers (531210)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Investment Advice (6282)
- akta.pro primary industry
- Real Estate Capital Markets Brokerage (Debt & Equity Placement) (FSAEAJAK)
- akta.pro secondary industries
- Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)
Keywords
Where Karis Capital is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Karis Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Debt Advisory Fees: Advisory fees earned on debt structuring and brokerage for real estate finance transactions including bridging, development finance, commercial mortgages, and structured finance deals.
- Insurance Brokerage Commission: Commission earned on insurance policies placed for clients including latent defects cover, professional indemnity, property owners insurance, and contractors all risks. Insurance arm secured over £2.4 million in premiums in first year of operation.
- Regulated Mortgage Advisory: Fees from regulated mortgage advice for residential and buy-to-let transactions, strengthened by acquisition of Lemon Tree Financial's client book with £94.7m in loans arranged.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Bespoke advisory services - no standard pricing tiers |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Karis Capital product offering
Product offeringCore offering
Karis Capital is a UK-based financial advisory firm providing specialist real estate debt advisory and insurance brokerage services. The firm arranges development funding, bridging loans, investment finance, commercial mortgages, and HNW mortgages for property developers and investors, while its insurance arm (Karis Insurance Brokers Limited) places latent defects cover, professional indemnity, contractors all risks, and property owners insurance. Karis operates as an offsite Financial Director, structuring bespoke funding solutions and coordinating professional parties from initial advisory through to completion.
Product overview
Karis Capital is a real estate debt and insurance advisory firm offering a unified platform of advisory services. The core offering consists of two divisions: Debt Advisory (providing development funding, short-term lending, investment finance, commercial mortgages, HNW mortgages, regulated mortgages, and asset finance) and Insurance Advisory (providing property insurance, latent defects cover, contractors all risks, and professional indemnity). Karis Insurance operates as a sub-brand focused on latent defects cover and professional indemnity. The firm serves developers and property investors, acting as an external Financial Director to guide clients through real estate financing complexities.
Differentiator
Problem solved
Functional benefit
Products and services
- Debt Advisory
- Insurance Advisory
- Regulated Mortgage Advisory
Quantifiable outcome
- 20% premium reduction on latent defects cover
- +5 more outcomes
Companies that use Karis Capital
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles4 records
Karis Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Karis Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Professional Services FirmsminorStrategic partnerships with agents, lawyers, architects, accountants, and other professional firms. Karis Capital offers to seamlessly enhance their client services with debt advisory, mortgage and insurance services without extensive setup or talent recruitment.
- Land and Development Club MemberscoreExclusive network of 80 leading figures in UK development market including land agents and property developers. Invite-only gatherings in Mayfair provide platform for sourcing sites, exchanging market insights, and connecting with Karis Capital's debt advisory team.
Scale indicators9 records
Recent moves7 records
Expansion highlights7 records
Karis Capital competitors and assessment
Company assessmentDirect peers
- John Charcol: Long-established UK specialist mortgage broker for complex and high-net-worth borrowers. Comparable to Karis in arranging bespoke regulated mortgages and bridging for property investors and professionals.
- Henry Dannell: Specialist London-based mortgage and property finance broker for high-net-worth individuals and complex borrowers. Closely comparable to Karis Capital on bespoke HNW and BTL mortgage advisory.
- Enness Global: UK specialist mortgage and high-net-worth real estate finance broker arranging complex residential, BTL, and development finance. Highly comparable to Karis Capital in serving HNW borrowers, investors, and developers through a bespoke advisory model.
- SPF Private Clients: Specialist UK finance broker focused on high-value residential, buy-to-let, and development lending for professional and high-net-worth clients. Directly comparable to Karis's regulated mortgage and structured finance offerings.
- Private Finance: UK specialist broker arranging residential, buy-to-let, commercial, and development finance for complex borrowers. Overlaps closely with Karis's specialist regulated and unregulated finance advisory across investors and developers.
- Yellow Brick Mortgages: Specialist UK mortgage broker focused on complex, high-net-worth, and buy-to-let lending. Comparable to Karis's specialist regulated finance arm serving investors and complex borrowers.
- Positive Lending: UK specialist finance broker arranging residential, BTL, bridging, and development finance. Directly comparable to Karis Capital's mix of regulated mortgages and structured short-term lending.
- KIS Capital: Specialist UK bridging and development finance broker. Closely comparable to Karis Capital on short-term lending and development funding for property professionals and investors.
Broad incumbents
- Knight Frank (Finance & Capital Markets): Global real estate advisory with UK debt, capital markets, and mortgage services serving developers, investors, and HNW clients. A larger incumbent with overlapping capital markets advisory and bespoke real estate finance capabilities.
- CBRE (Capital Markets, Debt & Structured Finance): Global real estate services firm with a UK capital markets and debt advisory practice arranging senior debt, mezzanine, and structured finance for institutional and large-scale developers. Operates in the same debt placement space but at materially larger scale.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Karis Capital social profiles
Digital presenceKaris Capital compliance and trust
Trust signalCompliance1 record
Karis Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Karis Capital leadership team
Management profileNumber of profiles
Profiles13 records
Karis Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Karis Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Karis Capital 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 Karis Capital
What does Karis Capital do?
Karis Capital is a UK-based financial advisory firm providing specialist real estate debt advisory and insurance brokerage services. The firm arranges development funding, bridging loans, investment finance, commercial mortgages, and HNW mortgages for property developers and investors, while its insurance arm (Karis Insurance Brokers Limited) places latent defects cover, professional indemnity, contractors all risks, and property owners insurance. Karis operates as an offsite Financial Director, structuring bespoke funding solutions and coordinating professional parties from initial advisory through to completion.
Is Karis Capital a public or private company?
Karis Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Karis Capital founded?
Karis Capital was founded in -1. It employs 11 to 50 people.
Where is Karis Capital based?
Karis Capital is headquartered in London, United Kingdom, in the Europe region.
How does Karis Capital make money?
Three revenue lines are on record. Debt Advisory Fees are the primary driver. The others are insurance Brokerage Commission and regulated Mortgage Advisory.
Who are Karis Capital's main competitors?
Direct peers on record are John Charcol, Henry Dannell, Enness Global, SPF Private Clients, Private Finance, Yellow Brick Mortgages, Positive Lending and KIS Capital. Broad incumbents are Knight Frank (Finance & Capital Markets) and CBRE (Capital Markets, Debt & Structured Finance).
Does Karis Capital have an API?
No public API is recorded for Karis Capital.
What industry is Karis Capital in?
Karis Capital's product category is Real Estate Debt & Insurance Advisory. Its primary akta.pro industry code is FSAEAJAK, Real Estate Capital Markets Brokerage (Debt & Equity Placement), with a secondary code of BPAJABAK, Debt & Structured Finance / Mortgage Brokerage. Its NAICS code is 523940 and its SIC code is 6163.