Finanta

What Finanta does

Finanta Ltd is a London-headquartered specialist bridging loan and development finance broker, founded in 2016 by Gary Poulton after 15 years working in the UK financial bridging market. The firm operates as a credit broker, intermediating between UK borrowers and a network of private lenders, institutionally backed funders, and exclusive family-office capital, and serves individuals, businesses, charities, trusts, and SPVs with property assets across England, Wales, Scotland, and Northern Ireland.

The product portfolio spans thirteen categories, including the trademarked Mini Bridge® (up to £200k in 72 hours), residential and commercial bridging, bridge-to-let, business bridging, rebridging/refinancing, auction finance, agricultural and land bridging, tax/HMRC bridging, property development finance, development exit finance, and private finance (up to £250m including mezzanine and structured debt). Loan sizes range from £26k to £25m+, with terms typically 3-24 months and LTVs up to 80% on standard 1st-charge bridging. The firm relies on standard financial-services infrastructure (loan processing, valuation coordination, legal work management) rather than any proprietary technology platform, and there is no documented digital underwriting, API, or AI capability.

Finanta's revenue model is transaction-based: arrangement/brokerage fees of 1-4% of gross loan amount, plus any lender-paid commissions. Go-to-market combines direct online application and phone/callback channels with an intermediary broker channel that places cases into the lender network. The core team of approximately 7-8 people is based across a Mayfair headquarters and a Ringwood, Dorset office. As of the most recent public disclosures, Finanta had completed 940 loans and arranged over £560m cumulatively, with no external institutional investment, parent company, or disclosed revenue.

Name

Finanta

Legal name

Finanta Ltd

Website

https://finanta.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Finanta is a UK-based credit broker arranging bridging loans and development finance from £26k to £25m+ for individuals, businesses, and HNW investors with property assets across England, Wales, Scotland, and Northern Ireland, earning 1-4% arrangement fees from a network of private lenders and family offices.

Ownership category

akta.pro rank

Product category

Bridging Loan & Property Development Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Bridging loan brokerage
• Property development finance
• Short-term secured lending
• Residential bridging loans
• Commercial bridging finance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Arrangement/Brokerage Fees: Finanta charges arrangement or facility fees for setting up bridging loans. Fees range between 1-4% of the loan amount. As a credit broker, they approach specialist lenders on behalf of borrowers and earn commissions from these arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Finanta is a specialist UK credit broker that arranges short-term secured bridging loans and property development finance on behalf of individuals, businesses, charities, trusts and HNW investors. Acting as intermediary between borrowers and its network of private lenders, institutionally backed funders and exclusive family offices, it places deals ranging from £26k to £25m+ across residential, commercial, agricultural, land, auction, tax, rebridging, development and structured private finance use cases.

Product overview

Finanta is a specialist bridging loan and development finance broker offering a comprehensive portfolio of short-term secured loan products. The core offering consists of Mini Bridge Loans (fastest option at £200k in 72 hours), residential/commercial/business bridging loans, auction finance, agricultural and land bridging loans, tax bridging loans, property development finance, and development exit finance. The company also provides Private Finance for larger transactions including mezzanine funding and structured finance up to £250m. Products are structured as first or second charge options with loan amounts ranging from £26,000 to £25m, terms typically 3-24 months, and LTVs up to 80% for standard bridging and up to 100% development funding with additional security.

Differentiator

Problem solved

Functional benefit

Products and services

• Mini Bridge Loans Fast-turnaround bridging loan product offering up to £200k within 72 hours, available in England and Wales to residents facing time-critical financial situations such as repossession risk, overdue HMRC/tax bills or urgent business expenses. Secured on property with no upfront valuation or legal costs.
• Bridge To Let Loans Bridging loan designed for the buy-to-let market, enabling landlords and investors to fund purchases of properties with short leases, refurbishment needs or uninhabitable conditions that are ineligible for standard BTL mortgages.
• Residential Bridging Loans Short-term residential property financing for purchasing, refinancing or releasing equity from UK homes, with LTV up to 80%. Available to individuals, trading limited companies and SPV limited companies, and used for chain breaks, second-property purchases or cashflow needs.
• Commercial Bridging Loans Short-term funding for companies, individuals and organisations purchasing or refinancing UK commercial property. Offered across England, Wales, Scotland and Northern Ireland with immediate decisions in principle and rates from 0.75% per month, up to 65% LTV.
• Business Bridging Loans Rapid short-term lending for businesses raising working capital, easing cashflow, buying commercial property, paying HMRC, expanding the business or buying portfolios of property. Structured for UK limited companies and other entities with property security.
• Refinancing Bridging Loans (Rebridging) Fast rebridging/refinancing product for borrowers whose existing bridging facility is nearing end of term and who are not yet ready to exit via sale or longer-term finance. Available up to 65% LTV to provide additional runway.
• Auction Finance Bridging finance designed for property bought at auction, providing funding to complete purchases within the standard 28-day auction window. Rates from 0.65% per month and arrangement fees of 2-4%, available as 1st or 2nd charge.
• Farming & Agricultural Bridging Loans Multi-purpose short-term financing for farms, farmland, equestrian and other agricultural properties. Used to purchase additional land, acquire property, diversify operations or acquire plant and livestock. LTV up to 70% available against farm security.
• Land Bridging Loans Short-term finance for the acquisition of residential or commercial land. LTV up to 70% with planning permission in place and up to 50% without planning permission. Used by developers and investors to secure sites quickly.
• Tax Bridging Loans Secured short-term loans for time-critical HMRC payments including self-assessment, inheritance tax, capital gains tax, corporation tax and VAT bills. LTV up to 80% against residential security.
• Property Development Finance Fast development loans for commercial and residential new builds and major refurbishments, offering up to 65% LTV of purchase price, up to 90% loan-to-cost, up to 70% LTGDV and up to 100% of build costs in some cases. Interest rates from 0.45% per month, terms 3-24 months, completion 7-10 working days.
• Development Exit Finance Short-term refinancing for developers not yet ready to exit existing development facilities but requiring additional funds to complete projects and exit via sale or refinance. Up to 75% LTV (1st charge), terms 3-12 months, serviced/retained/rolled-up interest and completion in 10-14 working days.
• Private Finance Bespoke private finance solutions for large and complex high-value UK and European projects up to £250m. Provides senior debt, stretched senior debt, mezzanine funding, equity finance and 100% structured finance on residential or commercial assets, typically for HNW borrowers and family offices.

Quantifiable outcome

• Standard bridging loan completion: 10-14 business days
• +4 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• FIBA (Finance & Leasing Association)minorOthersFinanta is a proud member of FIBA, the Finance & Leasing Association. FIBA is the leading trade body for the asset finance and leasing industry in the UK, representing over 500 member companies. Membership indicates commitment to industry standards and best practices.

Scale indicators7 records

Recent moves14 records

Expansion highlights6 records

Direct peers

• Enness International: UK specialist finance broker arranging large mortgages, bridging, and development finance. Highly comparable to Finanta in product mix (bridging, development, complex-case lending) and intermediary business model.
• Clifton Private Finance: UK specialist mortgage and bridging broker covering complex income, adverse credit, and large-ticket property finance. Comparable to Finanta on intermediary model and specialist/niche focus.
• KIS Finance: UK specialist finance broker focused on bridging, development, and complex buy-to-let loans via a whole-of-market lender panel. Mirrors Finanta's intermediary model and product range.
• John Charcol: Long-established UK mortgage and bridging broker serving complex and high-net-worth borrowers. Comparable to Finanta as a specialist intermediary with deep lender relationships.
• Henry Dannell: UK specialist finance broker focused on high-net-worth mortgages, bridging, and development finance. Compares to Finanta on complex-case intermediation.

Broad incumbents

• Knight Frank: Global real estate advisory firm with a UK finance team brokering high-value mortgages, bridging, and development finance. Comparable to Finanta as a property-finance intermediary but operating across a much broader real estate services platform.
• Savills: Global real estate services firm offering mortgage and development finance broking as part of a wider agency and advisory business. Overlaps with Finanta on bridging and development intermediation, but as part of a much broader portfolio.
• Investec (UK Private Banking): Private bank offering high-value bridging, development, and structured property finance to HNW and corporate clients. Overlaps with Finanta's Private Finance tier but acts as a direct lender rather than intermediary.
• United Trust Bank: UK specialist challenger bank active in bridging and development finance lending. Comparable by virtue of operating in the same asset class Finanta brokers into, but as a direct lender/funding partner rather than broker.

Emerging players

• LendInvest: UK online bridging and development lending platform. Comparable to Finanta on product focus but as a tech-enabled direct lender/funder, partially disintermediating traditional brokers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/FinantaUk
• Facebookfacebook.com/finanta.uk
• LinkedInlinkedin.com/company/finanta-uk

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finanta