CapitalStackers

What CapitalStackers does

CapitalStackers is a UK-based peer-to-peer lending platform focused on real estate development finance, founded in 2013 and operating from Stockport, Cheshire under the legal entity Capitalstackers Limited (Company No. 07361691). The platform matches individual investors, with a £2,500 minimum ticket, to property developers seeking junior or mezzanine debt alongside senior bank lenders, with all loans secured on the property being developed. CapitalStackers differentiates itself by co-lending with banks rather than competing with them, requiring full construction funding to be in place before any investor capital is released, and providing an FCA-regulated eWallet, transparent dashboards, and a secondary market for loan positions. The product surface spans a deal portfolio marketplace, an Innovative Finance ISA wrapper, a self-directed pension (SIPP) option, and a separate senior-debt facility for developers. Revenue is generated through transaction fees on originated loans, including arrangement fees and margin on lending, with cumulative platform volume of £258.1m (with bank funding) or £47.45m (without bank funding) reported. Current loan book capital provisions stand at 3.83%, while historic capital write-offs are 9.26%, and average primary-market returns are 11.77% per annum. CapitalStackers is privately held, founder/principal-operated (Steve Robson and Tony Goldrick), FCA-authorised (FRN:722549), and serves a long tail of UK retail and small-business investors; it does not disclose revenue, has no external funding rounds, and operates exclusively through its web portal with no mobile app or public APIs.

Name

CapitalStackers

Legal name

Capitalstackers Limited

Website

https://capitalstackers.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

CapitalStackers is a UK FCA-regulated peer-to-peer lending platform founded in 2013 that matches individual investors to property developers seeking junior debt alongside senior bank lenders, with a £2,500 minimum investment, ISA and pension wrappers, and a secondary market for loan positions.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Property Development Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

akta.pro secondary industries

Large-Cap / Sponsor Finance Direct Lending (FSANADAJ), Warehouse Lending / Mortgage Warehouse Facilities (FSALACAI), Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

Keywords

• Peer-to-peer lending
• Property development finance
• Real estate lending
• Mezzanine debt platform
• Loan-based crowdfunding

Headquarters

HQ city

Chester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan origination fees and interest: CapitalStackers generates revenue through transaction fees on loans originated through the platform, including arrangement fees and margin/fees on lending. The platform also earns interest income from its role as an intermediary in property development loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

CapitalStackers operates a peer-to-peer property development lending platform that enables individual investors to lend directly into specific property development projects (minimum £2,500) alongside senior bank lenders. Property developers access junior/mezzanine debt finance on the same platform, with all loans secured on real estate. The platform includes an FCA-regulated investor eWallet, ISA and pension wrappers, a deal portfolio marketplace, a secondary market for loan positions, and a separate borrower portal.

Product overview

CapitalStackers is a P2P property development lending platform structured as a single unified service offering. The core platform enables direct lending between retail/sophisticated investors and property developers, operating in partnership with banks rather than in competition. The offering combines the lending marketplace (Deal Portfolio), investor account management (Investor Portal with FCA-regulated eWallet), ISA and pension wrappers, secondary market liquidity, and co-lending with senior bank debt. All loans are secured on property being developed, with minimum investment starting at £2,500. The platform distinguishes itself through bank partnership, full funding verification before drawdown, and transparent investor dashboards with plain-speaking risk presentations.

Differentiator

Problem solved

Functional benefit

Products and services

• CapitalStackers P2P Lending Platform Core peer-to-peer property development lending platform that enables direct investment by individuals into property development projects, with loans secured on real estate and originated alongside senior bank lenders. For both individual investors and property developers.
• ISA Investment (IFISA)
• Pension Investment (SIPP)
• Deal Portfolio
• Investor Portal
• Secondary Market
• Senior Debt arrangement
• Borrower Portal

Quantifiable outcome

• Average current return primary market: 11.77% p.a.
• +2 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and supporting.

• Banks (Senior Debt Partners)coreStrategic or Co-development PartnerCapitalStackers operates in partnership with banks providing senior debt, working collaboratively on due diligence and risk analysis. The bank partnership model ensures all construction funding is secured before investor capital is released, and banks cover primary liquidity risk.
• Taylors Solicitors (Manchester)coreImplementation/ SI/ Consulting PartnerCapitalStackers has negotiated a service agreement with Taylors Solicitors who produce robust, consistent and bespoke legal documentation for each deal.
• Hallidays LLPsupportingOthersLongstanding respected accountancy practice providing investor comfort alongside CapitalStackers' lending experience and contacts.
• Independent Monitoring SurveyorscoreStrategic or Co-development PartnerIndependent Monitoring Surveyors appointed to oversee construction progress, produce monthly reports, and monitor budgets. May be appointed jointly with senior lenders for enhanced oversight.

Scale indicators8 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• CrowdProperty: UK P2P platform dedicated to property development finance, providing senior and junior debt to small/mid-sized housebuilders. Closely comparable in asset class (UK development), loan structure, and retail-investor access.
• Proplend: UK P2P platform focused on commercial property loans secured by first-charge mortgages. Directly comparable as a UK property-secured P2P lending marketplace, though skewed toward commercial rather than development assets.
• Wellesley & Co: UK P2P platform historically focused on property development and bridge finance. Comparable to CapitalStackers in target asset class, target investor profile, and FCA-regulated P2P structure.
• Landbay: UK P2P platform specializing in residential buy-to-let mortgage lending, partnered with institutional funders. Comparable to CapitalStackers as a UK property-backed P2P lender offering fractional loan participation to retail investors.
• Assetz Capital: UK FCA-regulated P2P platform focused on property-secured lending (residential, commercial, and development). Directly comparable to CapitalStackers in target asset class, investor base, and FCA-regulated model, with a similarly diversified property debt offering.

Emerging players

• Abundance Investment: UK FCA-regulated platform offering debenture/loan-based investments in sustainability and infrastructure projects, including property. Comparable to CapitalStackers as a UK FCA-regulated retail-facing investment platform with loan-based structures, though focused on environmental/infrastructure projects.

Broad incumbents

• Funding Circle: Major UK-origin P2P/SME lending platform with a securitised whole-loan model and institutional funding. Comparable as a UK FCA-regulated P2P lending marketplace, though focused on SME rather than property debt.
• Octopus Choice: UK P2P platform backed by Octopus Group, offering property-backed loans to retail investors. Comparable as a UK property P2P lender, but with broader institutional backing and a wider product portfolio than CapitalStackers.
• RateSetter (nowesure): UK P2P platform (now part of esure) historically offering consumer and property lending. Comparable as a UK P2P lending marketplace, though with a consumer credit skew and a different go-to-market profile from CapitalStackers.
• Zopa: One of the UK's largest P2P consumer-lending platforms, now operating as a bank. Comparable to CapitalStackers as a UK FCA-regulated P2P originator, but diversified across consumer credit and bank products rather than property development.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/capitalstackers
• LinkedInlinkedin.com/company/capitalstackers-ltd

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 CapitalStackers