Whitehall Capital

What Whitehall Capital does

Whitehall Capital is a UK specialist property bridge lender and investment fund operator, founded in 2017 as part of the Amram Capital group. The firm originates short-term (typically 3–24 months, average ~12 months) secured loans against residential and commercial real estate in England and Wales, with loan sizes typically ranging £1m–£5m and a maximum facility of up to £20m. Product lines include residential bridge loans, commercial bridge loans, development finance, auction finance, and a recently launched Sharia-compliant offering, with rates starting at approximately 0.99% per month and LTVs capped at 70–75%. The company reports cumulative lending of approximately £200m since inception with zero losses of capital or interest and a 5-year Sharpe ratio of 6.8, targeting 10–12% net annualised returns for investors in the Whitehall Capital Fund.

The business model is dual-sided: on the borrower side, Whitehall originates via direct enquiries, a broker/intermediary channel, and repeat customers, advertising credit-sanctioned terms within 24 hours and closing within one week — a speed proposition enabled by a 100% self-funded capital structure rather than external credit lines. On the investor side, HNW individuals, family offices, and hedge funds access the fund through an investor portal, with a 2022 partnership with Securitize adding blockchain-tokenized fund units traded on a digital securities marketplace — a first for a UK-based firm.

The technology stack is modest but distinctive: a Securitize-backed tokenization platform for investment units, a fully automated loan management system under development, and a website-driven origination funnel complemented by thought-leadership content in Private Banker International, Private Debt Investor, and PropertyWire. Capital partnerships — most notably with Downing LLP, whose funding line was increased by 50% in July 2023 — provide the institutional balance sheet behind the lending book, while group affiliation with FCA-regulated Amram Capital (UK) LLP provides regulatory advice and access to a wider HNW capital network.

Name

Whitehall Capital

Legal name

White Hall Lending Limited

Website

https://whitehalllending.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Whitehall Capital is a UK specialist property bridge lender and fund manager, originating short-term loans against residential and commercial real estate in England and Wales for professional investors and developers, while operating an investor fund targeting 10–12% net annualised returns backed by approximately £200m in cumulative lending and zero reported losses since 2017.

Ownership category

akta.pro rank

Product category

Real Estate Bridge Lending

NAICS

Real Estate Credit (522292), Other Investment Pools and Funds (5259)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)

Keywords

• Bridge finance lending
• Property bridge loans
• Development finance
• Commercial mortgages
• Real estate investment fund

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Bridge Loan Interest Income: Whitehall Capital earns monthly interest income on short-term bridging loans secured against UK residential and commercial property. Interest rates range from approximately 0.99% per month upwards. The fund targets 10-12% annualised net returns for investors. Loans are typically 3-24 months in tenor, with an average of around 12 months.
2. Loan Arrangement / Origination Fees: The fund charges arrangement fees on loans originated, as evidenced by fees mentioned in deal examples (e.g., 1.5% arrangement fee on one loan). These fees supplement interest income.
3. Digital Securities Platform Fees: Through the Securitize partnership, investors can trade tokenized fund units, potentially generating secondary market activity and platform-related revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Whitehall Capital is a specialist UK bridge finance fund that provides short-term property-backed loans to professional real estate investors and developers, including residential and commercial bridge loans, development finance, auction finance, and Sharia-compliant finance. Loans typically range from £1m to £5m (up to £20m) at up to 75% LTV, with terms provided within 24 hours and funds deployed within one week. The associated Whitehall Capital Fund offers institutional and HNW investors target net annualised returns of 10-12% through tokenized and traditional access to a diversified UK property bridge lending book.

Product overview

Whitehall Capital is a specialty alternative lender operating as a unified product portfolio centered on short-term real estate bridge lending and development finance in the UK market. The core offering consists of five lending products: Residential Bridge Loans, Commercial Bridge Loans, Development Finance, Auction Finance, and Sharia Finance—all supported by the Whitehall Capital Fund for investors. The company operates as a self-funded entity, allowing swift and flexible loan processing with terms typically delivered within 24 hours and funds deployed within a week. A technology upgrade initiative includes a fully automated loan management system and a partnership with Securitize for blockchain tokenized investment units.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Bridge Loans Short-term bridge loans for residential property clients across England and Wales, designed for speed and flexibility with terms typically provided within 24 hours and funds deployed within one week.
• Commercial Bridge Loans First and second charge commercial mortgages for a wide range of businesses, from well-established firms to start-ups (trading for at least 12 months), including unconventional buildings, land and properties where traditional lenders may not lend.
• Development Finance Specialist development finance for property developers and investors providing expert support from initial fund release through final redemption, with bespoke structuring for each project.
• Auction Finance Short-term bridge finance arranged quickly to enable buyers to cover the full balance of auction property purchases within the 28-day completion window, supporting both rental income generation and portfolio acquisitions.
• Sharia Finance Islamic-compliant bridge finance product offering ethical lending solutions for borrowers who require Sharia-compliant financing, expanding Whitehall Capital's lending portfolio beyond conventional bridge loans.
• Whitehall Capital Fund A specialist bridge finance fund targeting 10-12% net annualised returns for institutional and HNW investors, delivering whole loans, stretch senior, mezzanine and bridge financing against UK residential and commercial property assets with security held at sub-100% LTV.
• Blockchain Tokenized Investment Units Blockchain-tokenized shares in Whitehall Capital Management Limited, issued and administered via the Securitize digital securities platform, allowing investors to hold and trade fund units on-chain with visibility through the Securitize portal.

Quantifiable outcome

• 10%+ net annualised return for investors with near-zero volatility of returns
• +5 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• SecuritizecoreTechnology or Integration · 11 April 2022Whitehall Capital partnered with US-based digital asset securities marketplace Securitize to enable investors to hold their fund units as blockchain tokens. Securitize serves as the transfer agent, issuing tokenized shares in Whitehall Capital Management Limited, tracking transaction activity, and recording everything securely on the blockchain. Whitehall Capital is the first UK-based company to engage with Securitize in this way. This enables investors to trade units with other investors on the Securitize portal.
• Lawrence Stephens SolicitorscoreImplementation/ SI/ Consulting PartnerLawrence Stephens Solicitors (particularly Avi Barr and Nishta Camiah from the Secured Lending Department) has been repeatedly credited for their efficient and skilled legal work on multiple Whitehall Capital loan transactions. The firm handles the legal work on loans including security documentation, due diligence, and loan closings.
• BBS LawminorImplementation/ SI/ Consulting PartnerBBS Law (Craig Mullen and Avi Barr) provided legal support on the £1.5m loan for the St Mark's Square portfolio purchase in Bromley, demonstrating hard work and speed in turning the deal around.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Pluto Finance: UK specialist bridging and development finance lender targeting property professionals. Directly comparable on loan products, target market, and asset class.
• Octane Capital: UK specialist bridging and development finance lender offering short-term loans against residential and commercial property. Direct peer given overlapping borrower segments (professional property investors/developers), product mix, and London-based operating model.
• MT Finance: UK bridging and development lender providing short-term property-backed loans to professional borrowers. Closely comparable in product scope, target market, and UK regional focus to Whitehall's bridge/development offering.
• LendInvest: UK specialist property finance platform offering bridging, development, and buy-to-let mortgages, with a technology-led origination platform and capital from institutional investors. Directly comparable as a UK-focused property credit platform serving professional borrowers and institutional LPs.
• Hope Capital: UK specialist bridging lender offering short-term property loans to professional borrowers. Closely comparable on product type, target customer (property investors and developers), and UK regional footprint.
• Bridge Development Capital: UK specialist bridging and development finance provider (formerly Dragonfly Property Finance). Directly comparable in offering short-term property-backed loans to UK developers and investors.
• Mint Bridging: UK bridging lender focused on short-term loans to property professionals. Comparable in product type and UK-only borrower focus.

Broad incumbents

• Precise Mortgages: UK specialist residential and buy-to-let mortgage lender (part of OSB Group). Comparable as a UK specialist property lender but operates at significantly greater scale and across a broader product portfolio rather than focusing on the short-term bridge niche.
• Together Money: UK specialist property lender (formerly Masthaven) offering bridging, development, and specialist mortgages. Comparable product set but materially larger balance sheet and broader distribution than Whitehall.
• Shawbrook Bank: UK challenger bank specializing in property-backed lending including bridging, development, and buy-to-let. Comparable on asset class and customer segment but operates as a regulated bank at significantly greater scale than Whitehall's fund structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/whitehall-capital-management
• Xx.com/WhitehallCapit1

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Whitehall Capital