Reditum Capital
Reditum Capital is a UK-based specialist real estate finance house providing first charge bridging, second charge bridging, mezzanine finance, and preferred equity to property developers and professional borrowers across the UK and Europe, focused on complex special situations.
- Company typePrivate
- Founded2013
- HeadquartersMayfair, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Reditum Capital does
Reditum Capital is a specialist real estate finance house providing structured debt and equity capital to property developers and professional borrowers across the UK and Europe. Founded in February 2013 and headquartered in Mayfair, London, the firm focuses on real estate 'special situations' — transactions involving distressed assets, receivership exits, planning gain plays, complex cross-border deals, and refinancings under time pressure where conventional lenders have declined to engage.
The firm operates four core product lines spanning the capital stack: first charge bridging (up to 70% LTV, 3-24 month terms), second charge bridging behind existing senior debt, mezzanine finance (65-85% loan-to-cost layer), and preferred equity (equity-like capital with preferred return). Deal sizes range from £1m to over £50m, with documented transactions in the UK, Ireland, France, Spain, Poland, Sweden, and Portugal. Senior secured loans are structured using local security regimes, including English debentures and French fiducie structures, with pricing bespoke to each transaction and indicative terms typically delivered within 48 hours of receipt of full project information.
The go-to-market model is enterprise direct sales targeting professional borrowers who submit transaction details via the firm's website enquiry form. Decisions are made by experienced principals rather than credit committees, enabling rapid execution on complex scenarios. Since inception, Reditum has deployed more than £500m across 92+ transactions, generating revenue through interest payments, structuring fees, and equity participations across its loan book and JV investments.
Reditum Capital firmographics
Firmographics- Name
- Reditum Capital
- Legal name
- Reditum Capital Limited
- Website
- https://reditumcapital.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Reditum Capital is a UK-based specialist real estate finance house providing first charge bridging, second charge bridging, mezzanine finance, and preferred equity to property developers and professional borrowers across the UK and Europe, focused on complex special situations.
- Ownership category
- akta.pro rank
Reditum Capital industry classification
Industry- Product category
- Specialty Real Estate Finance
- NAICS
- Finance and Insurance (52)
- SIC
- Short-Term Business Credit Institutions (6153), Finance Services (6199)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industries
- Real Estate Private Credit (CRE Debt) (FSANADAG), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)
Keywords
Where Reditum Capital is headquartered
LocationHeadquarters
- HQ city
- Mayfair
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Reditum Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Bridging Finance Interest: Interest income from first charge and second charge bridging loans. Short-term facilities typically 3-24 months with loan-to-value up to 70%. Revenue generated through interest payments on completed bridge financings.
- Mezzanine Finance: Subordinated debt facilities bridging senior finance and equity. Mezzanine layer from 65-85% loan-to-cost. Revenue from interest (serviced or roll-up options) and potential profit participation arrangements.
- Preferred Equity: Equity-like capital with preferred return profile. Structured to provide downside protection while giving borrowers flexibility. Revenue from preferred returns and structured equity participations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | First Charge Bridging Finance - up to 70% LTV, terms 3-24 months |
| Other | Pay-as-you-go | Second Charge Bridging Finance - behind existing senior debt |
| Other | Pay-as-you-go | Mezzanine Finance - 65-85% LTC layer, £2m-£50m+ |
| Other | Pay-as-you-go | Preferred Equity - equity-like capital with preferred return |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Reditum Capital product offering
Product offeringCore offering
Reditum Capital is a specialist real estate finance house providing first charge bridging, second charge bridging, mezzanine finance, and preferred equity to property developers and professional borrowers for complex, time-sensitive real estate transactions. The firm underwrites special situations — including distressed assets, receivership positions, permitted development conversions, planning gain plays, and cross-border deals — where conventional lenders are unwilling or unable to engage, and typically issues indicative terms within 48 hours.
Product overview
Reditum Capital is a specialist real estate finance house providing four distinct financing products across the capital stack: First Charge Bridging Finance for senior secured time-critical transactions (up to 70% LTV), Second Charge Bridging Finance for additional liquidity behind existing senior debt, Mezzanine Finance bridging the gap between senior debt and equity (65-85% LTC), and Preferred Equity for situations where conventional debt is insufficient. These products are designed for complex and time-sensitive real estate transactions including distressed assets, receivership situations, planning gain plays, and cross-border deals across the UK and Europe.
Differentiator
Problem solved
Functional benefit
Products and services
- First Charge Bridging Finance Senior secured bridging loans for time-critical acquisitions, refinancings, and asset repositioning where speed and certainty of execution are paramount. Provides first charge facilities with loan to value up to 70% and terms from 3 to 24 months for UK and European assets. Targeted at property developers and professional borrowers with residential, commercial, and mixed-use security.
- Second Charge Bridging Finance Second charge facilities that sit behind existing senior debt, providing additional liquidity without disturbing the primary lending relationship. Particularly useful in refinancing and restructuring situations with flexible drawdown structures. Suitable for distressed and transitional assets.
- Mezzanine Finance Subordinated debt bridging the gap between senior finance and equity, enabling borrowers to maximise leverage on complex or transitional assets. Provides a 65-85% loan-to-cost layer with interest roll-up available for development, investment, and transitional assets including planning risk and cross-border transactions. Loan sizes from £2m to £50m+ with typical terms of 12-24 months.
- Preferred Equity Equity-like capital with a preferred return profile, structured to provide downside protection while giving borrowers flexibility in situations where conventional debt is insufficient. Suitable alongside or in lieu of mezzanine financing, with joint venture and partnership structures available for development, investment, and transitional assets.
Quantifiable outcome
- Indicative terms typically within 48 hours of receiving full project information
- +3 more outcomes
Companies that use Reditum Capital
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles2 records
Reditum Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Reditum Capital partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- BigCitycore€30m joint venture with BigCity for development of 241-bed purpose-built student accommodation in Porto, Portugal. First entry into Portuguese market. Asset subsequently sold to Stoneshield's Evergreen Student Housing Core+ fund as part of a two-asset portfolio for €50m.
- The CollectivecoreJoint venture partnerships with The Collective (UK's leading co-living operator) on multiple co-living developments. Financed Wandsworth, London scheme (£4.3m mezzanine) and Fumbally Lane, Dublin (£6m JV). Second partnership following Trewint Street scheme in Earlsfield, south-west London.
- Midos GroupminorCo-investor in Methodist Central Hall distressed rescue finance transaction in Birmingham. Reditum stepped in alongside Midos Group when initial funder withdrew and project faced administration.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
Reditum Capital competitors and assessment
Company assessmentDirect peers
- Shawbrook Bank: UK challenger bank focused on specialist lending including bridging, development finance, and commercial mortgages to SMEs and property professionals. Directly comparable to Reditum as a UK specialist real estate lender serving complex borrower needs.
- Together Money: UK specialist lender offering bridging, development exit, refurbishment, and commercial mortgages. Comparable to Reditum in serving property professionals with speed-focused, flexible underwriting on complex or non-standard real estate transactions.
- Maslow Capital: UK specialist real estate mezzanine provider focused on residential development, permitted development, and structured finance. Directly comparable — and indeed a Reditum counterparty on the Brentford New Horizons Court deal — operating in the same subordinated real estate debt niche.
- Octopus Property: UK specialist lending arm of Octopus Group providing bridging, development exit, and refurbishment finance to professional property borrowers. Comparable in product mix, target customer (property developers), and speed-of-execution focus.
- LendInvest: UK-based property finance platform offering bridging, development, and buy-to-let mortgages to professional borrowers. Directly comparable in serving the same property developer and professional borrower segment with similar short-term real estate debt products.
- Hope Capital: UK specialist bridging finance provider focused exclusively on short-term property lending to professional borrowers and developers. Closely comparable to Reditum's bridging book in target customer, ticket size, and complexity orientation.
- Kuflink: UK peer-to-peer and bridging finance platform offering short-term secured property loans to individuals and professional borrowers. Comparable in product type (bridging) and target segment, though with a more retail-funded capital base.
- Assetz Capital: UK property-backed lending platform offering bridging, development exit, and asset finance to property professionals and SMEs. Comparable in serving property developers with short-term real estate debt, though with a marketplace funding model.
- Urban Exposure: UK specialist lender providing development finance and bridging loans to residential property developers. Directly comparable in targeting residential and mixed-use developers with structured finance solutions in the same ticket range as Reditum.
- Lexham Property Finance: UK specialist bridging and development finance lender focused on professional property borrowers. Comparable in product set (bridging and development finance) and customer profile to Reditum's core UK lending book.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Reditum Capital social profiles
Digital presenceReditum Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Reditum Capital leadership team
Management profileNumber of profiles
Reditum Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Reditum 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 Reditum Capital
What does Reditum Capital do?
Reditum Capital is a specialist real estate finance house providing first charge bridging, second charge bridging, mezzanine finance, and preferred equity to property developers and professional borrowers for complex, time-sensitive real estate transactions. The firm underwrites special situations — including distressed assets, receivership positions, permitted development conversions, planning gain plays, and cross-border deals — where conventional lenders are unwilling or unable to engage, and typically issues indicative terms within 48 hours.
Is Reditum Capital a public or private company?
Reditum Capital is a private company. It is classified as unknown and is currently operating.
When was Reditum Capital founded?
Reditum Capital was founded in 2013. It employs 11 to 50 people.
Where is Reditum Capital based?
Reditum Capital is headquartered in Mayfair, United Kingdom, in the Europe region.
How does Reditum Capital make money?
Three revenue lines are on record. Bridging Finance Interest is the primary driver. The others are mezzanine Finance and preferred Equity.
Who are Reditum Capital's main competitors?
Direct peers on record are Shawbrook Bank, Together Money, Maslow Capital, Octopus Property, LendInvest, Hope Capital, Kuflink, Assetz Capital, Urban Exposure and Lexham Property Finance.
Does Reditum Capital have an API?
No public API is recorded for Reditum Capital.
What industry is Reditum Capital in?
Reditum Capital's product category is Specialty Real Estate Finance. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSANADAG, Real Estate Private Credit (CRE Debt). Its NAICS code is 52 and its SIC code is 6153.