Funding 365
Funding 365 is a London-based specialist property finance lender offering bridging, development, and buy-to-let loans of £100k-£10m across England, Wales, and Northern Ireland, distributed primarily through brokers and underwritten in-house by a small principal-led team.
- Company typePrivate
- Founded2013
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Funding 365 does
Funding 365 is a London-based specialist property finance lender, founded in 2013 and operating as Funding 365 Limited (Company Number 8488034). The company provides unregulated bridging loans, development finance, and specialist buy-to-let mortgages secured against residential, commercial, semi-commercial, and mixed-use property across England, Wales, and Northern Ireland. Its loan book spans £100,000 to £10 million per facility, with terms of three months to five years and interest rates from 0.39% per month stepped or 0.64% per month flat on bridging, and from 7.49% per annum on specialist BTL products. The portfolio comprises ten distinct products including residential, commercial, light and heavy refurbishment, stepped rate, AVM-enabled, Northern Ireland bridging, ground-up development, and specialist BTL variants.
The operating model is principal-led and underwriter-centric: the company funds loans from its own balance sheet using multiple institutional facilities (cumulative committed capacity of £500 million across November 2023 and June 2026 facilities) and makes all credit decisions in-house, with credit-backed terms issued within one hour of full enquiry. There is no business development manager (BDM) layer; instead, underwriters handle all intermediary and borrower enquiries directly via phone, email, and WhatsApp, and a single underwriter manages each loan from origination through redemption. The go-to-market motion is a broker/intermediary channel with no direct consumer marketing of consequence. Technology integrations include Thirdfort for KYC/AML verification, Creditsafe for credit referencing, and Hometrack for Automated Valuation Model (AVM) reports used in the AVM Bridge product. In June 2026, Funding 365 was acquired by global investment manager Balbec Capital.
Revenue is generated through interest charged on deployed loans, a 2% arrangement fee on completions (from which broker commission of 1-1.5% is paid), and market-rate valuation and legal fees passed through to third-party providers. The company maintains 100% five-star ratings on Google and Trustpilot and has accumulated industry recognition including Business Moneyfacts Best Service from a Bridging Finance Provider (2022) and three wins at the 2024 Bridging and Commercial Awards. As of June 2026 the headcount is reported at 1-10 employees, reflecting a lean operating structure relative to the scale of lending capacity.
Funding 365 firmographics
Firmographics- Name
- Funding 365
- Legal name
- Funding 365 Limited
- Website
- https://funding-365.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Funding 365 is a London-based specialist property finance lender offering bridging, development, and buy-to-let loans of £100k-£10m across England, Wales, and Northern Ireland, distributed primarily through brokers and underwritten in-house by a small principal-led team.
- Ownership category
- akta.pro rank
Funding 365 industry classification
Industry- Product category
- Specialist Property Finance
- NAICS
- Real Estate Credit (522292), Sales Financing (522220)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Custom Home Construction Financing (FSALAHAB)
- akta.pro secondary industry
- Spec/Tract Builder Construction Financing (FSALAHAC)
Keywords
Where Funding 365 is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Funding 365 business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Loan Interest: Primary revenue from interest charged on bridging loans, development loans, and specialist BTL mortgages. Interest rates vary by product (0.64%-0.99% per month for bridging, 7.49%+ per annum for BTL). Interest can be serviced monthly or retained.
- Arrangement Fee: Typically 2% arrangement fee charged on loan completion. Broker commission (typically 1-1.5%) is taken from this fee.
- Valuation and Legal Fees: Market-rate valuation and legal fees passed through to third-party providers (RICS registered valuers and solicitors).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Residential Bridging: From 0.64% pm (up to 65% LTV) to 0.89% pm (up to 75% LTV) |
| Unit Pricing | Monthly | Stepped Rate Bridge: From 0.39% pm (first 6 months) to 1.15% pm (month 7+) |
| Unit Pricing | Monthly | Light Refurbishment: From 0.69% pm (up to 65% LTV) |
| Unit Pricing | Monthly | Heavy Refurbishment: From 0.79% pm |
| Unit Pricing | Monthly | Development Loan: From 0.93% pm + exit fee |
| Unit Pricing | Monthly | Commercial Bridge: From 0.74% pm (up to 65% LTV) |
| Unit Pricing | Monthly | AVM Bridge: From 0.64% pm (up to 65% LTV) |
| Unit Pricing | Annual | Specialist 3 & 5 Year BTL: From 7.49% pa (3-year, 70% LTV) |
| Unit Pricing | Monthly | Northern Ireland Bridge: From 0.84% pm |
| Unit Pricing | Annual | Northern Ireland Specialist BTL: From 7.49% pa |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels7 records
Funding 365 product offering
Product offeringCore offering
Funding 365 is a principal-led property finance lender providing bespoke, unregulated bridging loans, development finance, and specialist buy-to-let mortgages secured against residential, commercial, and mixed-use properties in England, Wales, and Northern Ireland. The company offers loan sizes from £100,000 to £10 million+, terms from 3 months to 5 years, and interest rates from 0.39% per month stepped or 0.64% per month flat, with credit-backed terms delivered within one hour through in-house underwriting.
Product overview
Funding 365 is an award-winning, principal-led property finance lender specialising in bespoke, unregulated short-term loans for property professionals. The company operates a unified product portfolio organised around three core lending pillars: bridging finance (residential, commercial, semi-commercial, AVM, and Northern Ireland-specific bridges), development finance (ground-up and refurbishment loans funded in tranches), and specialist buy-to-let (3 and 5 year mid-term mortgages). All loans are non-regulated mortgage contracts under Article 61(3) of the FCA Regulated Activities Order, secured against property across England, Wales, and Northern Ireland. The product suite includes 10 distinct offerings — Residential Bridge, Commercial Bridge, Light Refurbishment, Heavy Refurbishment, Stepped Rate Bridge, AVM Residential Bridge, Northern Ireland Bridge, Development Loan, Specialist 3 & 5 Year BTL, and Northern Ireland Specialist 3 & 5 Year BTL — spanning loan sizes from £100,000 to £10,000,000+, terms from 3 months to 5 years, and interest rates from 0.39% per month stepped or 0.64% per month flat. The company distinguishes itself through an underwriter-led origination model with credit-backed terms issued within one hour and no early redemption charges on bridging or development loans.
Differentiator
Problem solved
Functional benefit
Products and services
- Residential Bridge Unregulated bridging loan for purchase, refinance, and/or refurbishment of residential and semi-commercial properties in England and Wales. Offers loans from £100,000 to £10,000,000, up to 75% LTV, with interest rates from 0.64% per month flat and loan terms of 3 to 18 months.
- Commercial Bridge Bridging loan for purchase, refinance and/or refurbishment of commercial and mixed-use properties. Includes semi-commercial properties where commercial element is up to 30% of property value. Interest rates from 0.74% per month, up to 75% LTV.
- Light Refurbishment Bridging loan for light property refurbishments including loft conversions, internal refurbishment, and one storey extensions. Funds works up to 40% of day one property value at interest rates from 0.69% per month, with max gross LTV up to 85%.
- Heavy Refurbishment Bridging loan for heavy property refurbishments including extensions, conversions, PDR schemes, and finish & exit. Funds works up to 150% of day one value from 0.79% per month.
- Stepped Rate Bridge Residential bridging loan with a stepped interest rate structure, starting from 0.39% per month for the first 6 months (rising to 1.15% per month from month 7). Features 75% LTV, no exit fees, and no ERCs.
- AVM Residential Bridge Bridging loan using Automated Valuation Model (AVM) valuations sourced from Hometrack, enabling faster and cheaper completions. For purchase, refinance and/or light refurbishment of C3 residential properties. Loans up to £1 million, capped at 55% LTV for refinances, 65% for open market purchases, and 75% for open market purchases with self-funded refurbishment.
- Northern Ireland Bridge Bridging loan for purchase, refinance, and/or refurbishment of residential properties in Northern Ireland. Loans from £100,000 starting at 0.84% per month, with LTVs up to 65%.
- Development Loan Short-term development loan for the construction of residential properties, including ground-up builds and finish & exit. Works are funded in tranches in arrears as the build progresses. Loans from £250,000 to £1.5 million, interest from 0.93% per month.
- Specialist 3 & 5 Year BTL Mid-term specialist buy-to-let mortgages for residential investment and commercial properties in England and Wales. Available in 3-year and 5-year fixed terms, with rates from 7.49% per annum. Suitable for HMOs, MUFBs, holiday lets, foreign nationals, expats, and portfolio landlords. Loans from £100,000 to £10,000,000.
- Northern Ireland Specialist 3 & 5 Year BTL Mid-term specialist buy-to-let mortgage for residential properties in Northern Ireland. Available in 3-year and 5-year fixed terms, with rates from 7.49% per annum. Loans from £100,000 to £3,000,000.
Quantifiable outcome
- Credit-backed terms issued within 1 hour of full enquiry
- +3 more outcomes
Companies that use Funding 365
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles2 records
Funding 365 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Funding 365 partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor and supporting.
- Protect EarthminorEnvironmental partnership where Funding 365 pledges to fund a UK tree for each loan completed, supporting Protect Earth's mission to increase native British tree cover. As of July 2022, over 500 trees had been funded.
- ThirdfortsupportingThirdfort provides automated ID verification, anti-money laundering checks, and Source of Funds verification to assist with KYC and AML compliance requirements.
- CreditsafesupportingCreditsafe provides credit reference checking services to assess customer creditworthiness as part of the lending decision process.
- HometracksupportingHometrack provides Automated Valuation Model (AVM) reports with confidence level scoring used for rapid property valuations in Funding 365's AVM Bridge product.
Scale indicators8 records
Recent moves5 records
Expansion highlights6 records
Funding 365 competitors and assessment
Company assessmentDirect peers
- MT Finance: Specialist UK bridging and development lender distributed primarily through brokers, offering tiered bridging, refurbishment and ground-up development finance — nearly identical product taxonomy to Funding 365.
- Together Money: UK specialist lender offering bridging, development and specialist BTL mortgages to property professionals and investors, with an intermediary-led distribution model closely aligned to Funding 365's broker-channel approach.
- Octopus Property: UK specialist bridging, development and refurbishment lender under the Octopus Group, distributed via brokers with similar LTV bands and target borrower segments to Funding 365.
- Zephyr Finance: Specialist bridging and development lender targeting complex property scenarios (HMOs, semi-commercial, refurbishment) through broker intermediaries — a tight product-and-channel overlap with Funding 365's specialist offerings.
- Mint Bridging: Specialist UK bridging finance provider offering residential and commercial bridge loans through intermediaries, with a comparable speed-of-execution, broker-first value proposition to Funding 365.
- United Trust Bank: United Trust Bank's specialist property division is a leading UK bridging and development finance provider distributed through brokers, closely matching Funding 365's product mix (bridging, refurbishment, development, BTL) and intermediary-led GTM motion.
- Affirmative Bridging (now Bamboo Bridging): UK specialist bridging and development lender distributing exclusively through broker intermediaries, offering regulated and unregulated bridge loans at comparable LTV tiers to Funding 365.
Broad incumbents
- Shawbrook Bank: One of the UK's largest specialist challenger banks offering bridging, development, BTL and commercial mortgages secured against UK property. Direct overlap with Funding 365's bridging, development and specialist BTL offerings, though Shawbrook operates a far broader product suite and balance sheet.
- Aldermore Bank: UK challenger bank (now part of Metro Bank's Specialist Banking unit) providing bridging, development, BTL and commercial property finance through brokers. A broader-incumbent overlap on Funding 365's core products at meaningfully greater scale.
- Paragon Banking Group: UK specialist lender group with a substantial buy-to-let mortgage book plus bridging and development finance through intermediary channels. Overlaps Funding 365 on BTL and bridging, operating at materially larger scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Funding 365 social profiles
Digital presenceFunding 365 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Funding 365 leadership team
Management profileNumber of profiles
Profiles4 records
Funding 365 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Funding 365 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 Funding 365
What does Funding 365 do?
Funding 365 is a principal-led property finance lender providing bespoke, unregulated bridging loans, development finance, and specialist buy-to-let mortgages secured against residential, commercial, and mixed-use properties in England, Wales, and Northern Ireland. The company offers loan sizes from £100,000 to £10 million+, terms from 3 months to 5 years, and interest rates from 0.39% per month stepped or 0.64% per month flat, with credit-backed terms delivered within one hour through in-house underwriting.
Is Funding 365 a public or private company?
Funding 365 is a private company. It is classified as private equity controlled and is currently operating.
When was Funding 365 founded?
Funding 365 was founded in 2013. It employs 1 to 10 people.
Where is Funding 365 based?
Funding 365 is headquartered in London, United Kingdom, in the Europe region.
How does Funding 365 make money?
Three revenue lines are on record. Loan Interest is the primary driver. The others are arrangement Fee and valuation and Legal Fees.
Who are Funding 365's main competitors?
Direct peers on record are MT Finance, Together Money, Octopus Property, Zephyr Finance, Mint Bridging, United Trust Bank and Affirmative Bridging (now Bamboo Bridging). Broad incumbents are Shawbrook Bank, Aldermore Bank and Paragon Banking Group.
Does Funding 365 have an API?
No public API is recorded for Funding 365.
What industry is Funding 365 in?
Funding 365's product category is Specialist Property Finance. Its primary akta.pro industry code is FSALAHAB, Custom Home Construction Financing, with a secondary code of FSALAHAC, Spec/Tract Builder Construction Financing. Its NAICS code is 522292 and its SIC code is 6162.