LND
LND is a London-based digital CRE lender (founded 2022) offering flexible term, bridging and fixed long-term loans from £5m to £100m to UK professional real estate investors and intermediaries, funded through institutional capital partners.
- Company typePrivate
- Founded2022
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What LND does
LND, operated by LND Global Limited, is a London-based private limited company founded in 2022 that runs a digitized full-service lending platform for UK commercial real estate (CRE). The company targets professional real estate investors and intermediaries, with operations structured outside FCA authorization (unregulated lending), which allows broader LTV and structural flexibility than regulated mortgage activity.
LND offers three product lines covering most CRE financing needs: Flexible Term Loans (£5m-£50m, 3-5 years, up to 75% LTV, rates from +3.75% over BOE base rate), Bridging Loans (£5m-£30m, 18 months-3 years, up to 70% LTV, rates from +4.75% over BOE base rate), and Fixed Long Term Loans (£10m-£100m, 7-20 years, up to 60% LTV, rates from Swap +1.60%). A Virtual Loan Assistant sits on top of the platform to streamline borrower and broker journeys. Capital is sourced from a displayed network of 14 institutional investors, with deal warehousing handled through a dedicated SPV (LND UK Commercial Mortgages 1 Ltd); adjacent entities LND Advisory and LND Insight suggest planned expansion into advisory and analytics services.
The company generates revenue through interest income and origination/structuring fees on CRE loans funded via institutional capital partners, with a lean operating model (1-10 employees) led by Founder & CEO Nicolas Vocos and COO & CFO Richard Lang. No disclosed revenue, AUM, or funding figures are public, and the firm remains early-stage.
LND firmographics
Firmographics- Name
- LND
- Legal name
- LND Global Limited
- Website
- https://lnd.capital
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LND is a London-based digital CRE lender (founded 2022) offering flexible term, bridging and fixed long-term loans from £5m to £100m to UK professional real estate investors and intermediaries, funded through institutional capital partners.
- Ownership category
- akta.pro rank
LND industry classification
Industry- Product category
- Commercial Real Estate Lending
- NAICS
- Real Estate Credit (522292), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)
- akta.pro secondary industry
- Middle-Market Lending (FSANADAI)
Keywords
Where LND is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
LND business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Loan Products: LND Capital generates revenue through interest income on its loan portfolio. The company offers three main loan products: Flexible Term Loans (3-5 years), Bridging Loans (18 months to 3 years), and Fixed Long Term Loans (7-20 years). Interest rates are priced relative to benchmark rates (BOE base rate or Swap rate).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Flexible Term Loans: £5m - £50m, rates from +3.75% BOE base rate, 3-5 year terms, up to 75% LTV |
| Other | Multi-year contract | Bridging Loans: £5m - £30m, rates from +4.75% BOE base rate, 18 months to 3 years, up to 70% LTV |
| Other | Multi-year contract | Fixed Long Term Loans: £10m - £100m, rates from Swap +1.60%, 7-20 years, up to 60% LTV |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
LND product offering
Product offeringCore offering
LND provides flexible term loans (£5m–£50m), bridging loans (£5m-£30m), and fixed long-term loans (£10m–£100m) to professional real estate investors and corporate entities in the United Kingdom. The company operates a vertically integrated digitized lending platform featuring a Virtual Loan Assistant to streamline loan applications. Development Loan is also referenced as a product offering.
Product overview
LND Capital is a vertically integrated digital lending platform offering three distinct commercial real estate loan products to professional investors and corporate entities in the UK: Flexible Term Loans (£5m-£50m, 3-5 years), Bridging Loans (£5m-£30m, 18 months-3 years), and Fixed Long Term Loans (£10m-£100m, 7-20 years). The platform delivers a digitized full-service lending experience enabling rapid approval and funding, targeting borrowers seeking acquisition, refinancing, and asset upgrade financing across office, retail, industrial, residential, and logistics property sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- Flexible Term Loans
- Bridging Loans Short-term bridging loans ranging from £5m to £30m for UK professional real estate investors and corporate entities, originated via LND's direct lending platform.
- Fixed Long Term Loans Fixed long-term loans ranging from £10m to £100m for UK professional real estate investors and corporate borrowers, originated via LND's direct lending platform.
- Development Loan
Quantifiable outcome
- Approval and funding within approximately 4 weeks for long-term loans
- +1 more outcomes
Companies that use LND
Customer profileSegments3 records
Ideal customer profiles2 records
LND technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
LND partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights4 records
LND competitors and assessment
Company assessmentBroad incumbents
- Together Money: UK specialist lender offering bridging, buy-to-let and commercial mortgages. Comparable to LND across bridging and term CRE products and is a much larger incumbent with established broker relationships.
- Allica Bank: UK digital challenger bank lending to SMEs and property investors, including commercial mortgages. Overlaps with LND's CRE term-loan offering and competes for the same mid-market professional investor segment, but from a much larger deposit-funded balance sheet.
- Shawbrook Bank: Large UK specialist challenger bank offering commercial mortgages, bridging and asset finance to SMEs and property investors. Competes with LND's full product set but from a much larger balance-sheet and FCA-authorised base.
- OakNorth Bank: UK specialist bank focused on commercial property lending to professional investors and SMEs. Overlaps with LND's flexible-term and fixed long-term products, especially at the larger end of LND's £10m-£100m bracket.
Emerging players
- CrowdProperty: UK property lending platform offering development and bridging finance to professional property investors. Comparable to LND in its tech-enabled UK-focused CRE lending model and use of institutional capital relationships, though operating primarily in the development-finance niche.
- Assetz Capital: UK property-finance platform providing bridging and development loans to property investors. Comparable to LND's bridging and term-loan products and similarly tech-led, though typically at smaller average ticket sizes and with some retail/fund investors on the lender side.
Direct peers
- West One Capital: UK specialist property lender providing bridging, development and term loans against UK commercial and residential assets. Directly comparable to LND across bridging and fixed long-term products and the professional-borrower segment.
- Time Finance: UK specialist lender providing asset finance, invoice finance and property-backed loans to SMEs. Comparable in offering CRE-backed term lending with a broker-distributed model, though with a smaller direct overlap on LND's larger-ticket products.
- LendInvest: UK digital property lending platform offering bridging, development and term loans to professional property investors and intermediaries. Closest peer to LND in terms of product set (bridging + term), UK-only focus, broker-channel distribution and tech-led origination UX.
- Masthaven Bank (formerly Masthaven): UK specialist lender active in bridging, term and development finance for commercial and residential property investors. Direct overlap with LND's bridging and term-loan range, with comparable unregulated-style lending to professional borrowers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
LND social profiles
Digital presenceLND financial estimates
Financial estimateRevenue estimate
Valuation estimate
LND leadership team
Management profileNumber of profiles
Profiles2 records
LND subsidiaries and ownership
Company hierarchySubsidiaries4 records
LND funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LND 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 LND
What does LND do?
LND provides flexible term loans (£5m–£50m), bridging loans (£5m-£30m), and fixed long-term loans (£10m–£100m) to professional real estate investors and corporate entities in the United Kingdom. The company operates a vertically integrated digitized lending platform featuring a Virtual Loan Assistant to streamline loan applications. Development Loan is also referenced as a product offering.
Is LND a public or private company?
LND is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LND founded?
LND was founded in 2022. It employs 11 to 50 people.
Where is LND based?
LND is headquartered in London, United Kingdom, in the Europe region.
How does LND make money?
One revenue line is on record: interest Income from Loan Products.
Who are LND's main competitors?
Broad incumbents on record are Together Money, Allica Bank, Shawbrook Bank and OakNorth Bank. Emerging players are CrowdProperty and Assetz Capital. Direct peers are West One Capital, Time Finance, LendInvest and Masthaven Bank (formerly Masthaven).
Does LND have an API?
No public API is recorded for LND.
What industry is LND in?
LND's product category is Commercial Real Estate Lending. Its primary akta.pro industry code is FSANADAJ, Large-Cap / Sponsor Finance Direct Lending, with a secondary code of FSANADAI, Middle-Market Lending. Its NAICS code is 522292 and its SIC code is 6162.