KIS Finance
KIS Finance is an FCA-authorised independent UK finance broker arranging bridging loans, development finance, commercial mortgages, and secured loans for property investors, developers, and business owners via a panel of lenders.
- Company typePrivate
- Founded1995
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What KIS Finance does
KIS Finance Ltd is an independent, FCA-authorised finance broker (Firm Reference Number 734892) operating across the United Kingdom since the mid-1990s. The firm intermediates between borrowers and a panel of lenders across four core product lines: bridging loans (£50,000 to £500 million), development finance (£100,000 to £1 billion), commercial mortgages (£100,000 to £250 million), and secured loans (£5,000 to £2.5 million). Its stated specialism is short-term and specialist property finance for individual investors, professional developers, and business owners, with a separate large-facilities desk covering transactions above £1 million.
Revenue is generated through transaction-based commissions paid by lenders rather than broker fees charged to borrowers. The firm states it does not charge broker fees on bridging or development finance, with revenue derived from lender arrangement fees and introductory commissions, while secured loans carry an 8% broker fee (capped at £3,950) added to the facility. The technology layer is light: a public website with self-service calculators for instant bridging, development, and secured-loan quotes, supported by a phone-led sales operation available eight hours daily, seven days a week, and four regional offices in Cullompton, Hull, Cardiff, and London.
The business is privately held by founder Neil Andrews, with a management team of six named senior consultants and an estimated 11-50 employees. Distribution relies on organic search, content marketing, third-party reviews (4.97/5 across 305 independent reviews), and direct phone-based enquiry handling, with no venture funding, no acquisitions, and no public listing. Recent strategic activity centres on a London-based large-loans desk and entry into the equity release / lifetime mortgage market, where the firm was ranked Best Lifetime Mortgage Provider in the UK for 2026.
KIS Finance firmographics
Firmographics- Name
- KIS Finance
- Legal name
- KIS Finance Ltd
- Website
- https://kisbridgingloans.co.uk
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- KIS Finance is an FCA-authorised independent UK finance broker arranging bridging loans, development finance, commercial mortgages, and secured loans for property investors, developers, and business owners via a panel of lenders.
- Ownership category
- akta.pro rank
KIS Finance industry classification
Industry- Product category
- Specialist Lending Brokerage
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)
- akta.pro secondary industry
- Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)
Keywords
Where KIS Finance is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
KIS Finance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Broker Fee / Commission from Lenders: KIS Finance earns revenue through arrangement fees charged by lenders, which are typically added to the loan facility. They explicitly state 'We do not charge broker fees' on most products, indicating revenue comes from lender commissions rather than direct customer fees. For secured loans, a broker fee of 8% of net loan amount (capped at £3,950) is charged, added to the loan facility.
- Development Finance Arrangement: Development finance facilities arranged with facility fees (arrangement fees) charged as percentage of loan amount. Lenders pay introductory fees to KIS Finance.
- Bridging Loan Brokerage: No broker fees charged for bridging loans. Revenue generated from lender arrangement fees and introductory commissions. Facility fees typically 0.5% to 2% of loan amount charged by lenders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Residential Bridging Loans Under £1 Million - Monthly Interest Rates from 0.50% |
| Usage-based | Pay-as-you-go | Bridging Loans Over £1 Million - Monthly Interest from 0.46% |
| Usage-based | Pay-as-you-go | Development Finance - Interest rates from 7% per annum / 1% per month |
| Usage-based | Pay-as-you-go | Commercial Bridging Rates |
| Usage-based | Monthly | Secured Loans - From £5,000 to £2.5 million, rates from 5% fixed |
| Usage-based | Pay-as-you-go | Large Bridging Loans £1 million to £250 million |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
KIS Finance product offering
Product offeringCore offering
KIS Finance is an independent, FCA-authorised (FRN 734892) specialist finance broker that arranges bridging loans, large bridging facilities, development finance, commercial mortgages, secured loans, buy-to-let mortgages, lifetime mortgages/equity release, auction finance, refurbishment finance, mezzanine finance and re-bridging from £5,000 up to £1 billion for UK individuals and businesses. The firm places cases with a panel of lenders rather than lending its own balance sheet, providing advisory, structuring and case-management support across its London, Cullompton, Hull and Cardiff offices.
Product overview
KIS Finance is an independent specialist finance broker offering a comprehensive suite of short-term and commercial lending products. The core offerings include Bridging Loans (£50k-£500m, 1-24 months), Large Bridging Loans (£1m-£250m), Development Finance (£100k-£1bn), Commercial Mortgages (£100k-£250m), and Secured Loans (£5k-£2.5m). Additional products include Buy to Let Mortgages, Equity Release/Lifetime Mortgages, Auction Finance, Refurbishment Finance, Mezzanine Finance, and Re-Bridging services. The company provides online calculators for bridging and secured loans, operating as an FCA-authorized broker with access to multiple lenders throughout the UK.
Differentiator
Problem solved
Functional benefit
Products and services
- Bridging Loans Short-term secured bridging finance arranged by KIS Finance from £5,000 upwards through a panel of UK bridging lenders, with no broker fees charged to the borrower. Designed for property investors, landlords, developers and homeowners who need fast funding for time-sensitive property transactions such as chain breaks, auction purchases and refurbishment.
- Large Bridging Loans Specialist large-ticket bridging facilities of £5 million and above arranged by KIS Finance through a whole-of-market panel of large-loan lenders. Targeted at high-net-worth individuals, expats, business owners, investors and developers with complex, high-value or unusual property transactions that high-street lenders cannot accommodate.
- Development Finance
- Refurbishment Finance
- Mezzanine Finance
- Re-Bridging Finance
- Auction Finance
- Commercial Mortgages
- Secured Loans
- Buy-to-Let Mortgages
- Lifetime Mortgages / Equity Release
Companies that use KIS Finance
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
KIS Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
KIS Finance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Bridging Loan Introducers/PackagersminorNetwork of introducers and packagers who refer bridging loan business to KIS Finance. Company welcomes bridging loan introducers and packagers.
Scale indicators8 records
Recent moves5 records
Expansion highlights5 records
KIS Finance competitors and assessment
Company assessmentEmerging players
- CrowdProperty: UK property development finance platform connecting developers with investors/lenders. Adjacent to KIS in development finance but operates a marketplace model, representing both a potential partner and a direct disintermediation threat.
- Lendinvest: UK specialist property lender and platform offering bridging, development, and buy-to-let finance. Sits on the lender side of the panel KIS accesses, but increasingly offers direct digital origination that competes with broker-sourced deal flow.
- Fluent Money: UK secured loan (second charge mortgage) broker with a digital-first, technology-led model. Partial overlap with KIS in the secured loan segment but with a more technology-centric approach and broader consumer focus.
Broad incumbents
- Mortgage Advice Bureau: UK-listed mortgage and protection broker with a national adviser network. Broader incumbent that does not specialize in bridging/development but competes for adjacent property finance customers and offers scale and brand that KIS does not.
Direct peers
- Rangewell: UK business finance broker arranging property-backed and commercial finance from a panel of lenders. Comparable to KIS as a multi-product broker focused on SME and property customers, with a panel-driven commission model and similar transaction sizes.
- SPF Private Clients: UK bridging and specialist finance broker serving property professionals with access to a wide lender panel. Closely comparable to KIS on product scope (bridging, development, commercial), customer base (developers and investors), and the 'no broker fees' positioning on core products.
- Vantage Finance: UK bridging and property finance broker arranging short-term property-backed facilities for investors and developers. Comparable to KIS on product focus, ticket sizes, and panel-based intermediary model.
- Berkeley Alexander: UK specialist property finance broker offering bridging, development, and commercial mortgages with FCA authorization. Directly comparable to KIS on products, regulation, and target customers (property investors and developers).
- Clifton Private Finance: UK specialist finance broker offering bridging loans, development finance, commercial mortgages, and secured loans with a similar panel-based model and FCA authorization. Directly comparable to KIS in product mix, target customer (property investors/developers), and commission-only revenue model.
- The Business Finance Broker: UK commercial finance broker arranging bridging, development, and commercial mortgages for businesses and property professionals. Similar target customers, lender panel model, and product range as KIS Finance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
KIS Finance social profiles
Digital presenceKIS Finance compliance and trust
Trust signalCompliance1 record
KIS Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
KIS Finance leadership team
Management profileNumber of profiles
Profiles6 records
KIS Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KIS Finance 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 KIS Finance
What does KIS Finance do?
KIS Finance is an independent, FCA-authorised (FRN 734892) specialist finance broker that arranges bridging loans, large bridging facilities, development finance, commercial mortgages, secured loans, buy-to-let mortgages, lifetime mortgages/equity release, auction finance, refurbishment finance, mezzanine finance and re-bridging from £5,000 up to £1 billion for UK individuals and businesses. The firm places cases with a panel of lenders rather than lending its own balance sheet, providing advisory, structuring and case-management support across its London, Cullompton, Hull and Cardiff offices.
Is KIS Finance a public or private company?
KIS Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was KIS Finance founded?
KIS Finance was founded in 1995. It employs 11 to 50 people.
Where is KIS Finance based?
KIS Finance is headquartered in London, United Kingdom, in the Europe region.
How does KIS Finance make money?
Three revenue lines are on record. Broker Fee / Commission from Lenders are the primary driver. The others are development Finance Arrangement and bridging Loan Brokerage.
Who are KIS Finance's main competitors?
Emerging players on record are CrowdProperty, Lendinvest and Fluent Money. Mortgage Advice Bureau is listed as a broad incumbent. Direct peers are Rangewell, SPF Private Clients, Vantage Finance, Berkeley Alexander, Clifton Private Finance and The Business Finance Broker.
Does KIS Finance have an API?
No public API is recorded for KIS Finance.
What industry is KIS Finance in?
KIS Finance's product category is Specialist Lending Brokerage. Its primary akta.pro industry code is BPAHAOAD, Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit), with a secondary code of BPAJANAE, Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing). Its NAICS code is 523940 and its SIC code is 6163.