Peninsula Finance
Peninsula Finance plc is a UK-based specialist bridging finance lender, founded 2002, providing short-term secured loans against commercial, residential, and development property to investors, developers, and SMEs via a professional broker channel.
- Company typePrivate
- Founded2002
- HeadquartersPlymouth, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Peninsula Finance does
Peninsula Finance plc is a UK-based specialist bridging finance lender founded in 2002 and headquartered in Plymouth, Devon. The company provides short to medium term secured loans against commercial, residential, and development property, serving investors, dealers, owner-occupiers, property developers, and small and medium sized businesses across England. Its product portfolio comprises three core bridging loan categories — commercial (retail, industrial, investment), residential (houses, flats, buildings), and development (land acquisition, construction costs, working capital) — supplemented by a Loan Note investment scheme that aggregates external investor capital alongside company reserves and a Shawbrook Bank credit facility to fund the lending book. Loan Note terms are 3 years at up to 7.0% and 5 years at up to 8.0%, with current Loan Note Holder commitments exceeding £21m in the 2025/2026 period.
The business operates as a principal lender, which means it underwrites and funds loans on its own balance sheet rather than acting as an intermediary, and it is authorised and regulated by the Financial Conduct Authority (firm reference 312479). Distribution is conducted almost entirely through a professional broker/intermediary channel — the website is explicitly 'designed for professional intermediaries only' — with the company positioning same-day enquiry-to-approval service, no upfront fees, and a wider range of acceptable commercial property security as its primary differentiators. The company is a member of FIBA and a patron of NACFB. Revenue is generated principally through net interest income on deployed bridging loans, with the Loan Note scheme functioning as a funding mechanism rather than a direct revenue line; investor returns are paid out of lending margin. The team is small (1–10 employees), led by a long-tenured senior group including CEO Daniel Palmer (20 years with the company), Finance Director Matthew Cocking (with the company since 2005), and Director of Risk and Legal Services Robert Howard (34 years as a qualified solicitor). No proprietary fintech platform, AI/ML capability, or mobile application is in evidence, and decisioning is conducted by an experienced Internal Lending Committee.
Peninsula Finance firmographics
Firmographics- Name
- Peninsula Finance
- Legal name
- Peninsula Finance plc
- Website
- https://peninsulafinance.com
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Peninsula Finance plc is a UK-based specialist bridging finance lender, founded 2002, providing short-term secured loans against commercial, residential, and development property to investors, developers, and SMEs via a professional broker channel.
- Ownership category
- akta.pro rank
Peninsula Finance industry classification
Industry- Product category
- Property Bridging Finance / Specialty Lending
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Peninsula Finance is headquartered
LocationHeadquarters
- HQ city
- Plymouth
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Peninsula Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Others, Marketing or Sales, Technology or R&D
Revenue model
- Bridging Loan Interest: Interest income from short to medium term bridging finance loans secured against commercial and residential property. The company acts as a principal lender providing fast property lending.
- Investment Products (Loan Notes): Fixed-term investment products (3-year and 5-year terms) that provide returns to Loan Note Holders. The company aggregates funds from reserves, credit facility, and investor Loan Notes to fund its lending operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | 3-Year Loan Note Term offering up to 7.0% return |
| Subscription | Multi-year contract | 5-Year Loan Note Term offering up to 8.0% return |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Peninsula Finance product offering
Product offeringCore offering
Peninsula Finance plc is a UK specialist principal lender providing short to medium term bridging finance secured against commercial, residential, and development property. It offers same-day decisions from enquiry to approval with no upfront fees, distributing primarily through professional mortgage brokers. It also operates a fixed-term Loan Note investment scheme (3 and 5 year terms) for investors funding its lending pool.
Product overview
Peninsula Finance is a specialist short-term commercial and residential property lending platform offering bridging finance solutions. The product portfolio comprises three core bridging loan products: Commercial Bridging Finance for retail and industrial property investors; Residential Bridging Finance for property portfolios and refurbishments; and Development Bridging Finance for land acquisition and housing developments. A complementary Loan Note Investment Scheme allows investors to participate in the loan pool. All products feature fast decision-making, no upfront fees, and a streamlined underwriting process.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Bridging Finance
- Residential Bridging Finance
- Development Bridging Finance
- Loan Note Investment Scheme
Companies that use Peninsula Finance
Customer profileSegments4 records
Ideal customer profiles3 records
Peninsula Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Peninsula Finance partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights4 records
Peninsula Finance competitors and assessment
Company assessmentDirect peers
- Apricot Capital: UK bridging finance specialist providing short-term property-backed loans to brokers and borrowers. Comparable to Peninsula on product range, channel focus, and target use cases (purchase, refinance, development).
- Lendhub: UK specialist lender offering bridging and development finance to property investors and developers through the broker channel. Directly comparable to Peninsula on product, customer, and distribution model.
- IronBridge: UK specialist bridging finance lender offering short-term property-secured loans via the broker channel. Comparable on core product (commercial and residential bridge), broker-led distribution, and same principal-lender model as Peninsula.
- Roma Finance: UK specialist bridging lender distributing exclusively through professional intermediaries, offering fast-tracked short-term property finance. Same broker-only GTM motion and similar product scope as Peninsula.
- Together Money: One of the UK's largest specialist bridging and development finance lenders, offering short-term property-secured loans to brokers and borrowers. Directly comparable to Peninsula across product, customer segment, and broker-channel distribution.
- Market Financial Solutions (MFS): UK specialist bridging finance provider focused on property investors, developers, and landlords via a broker-led model. Comparable to Peninsula on product mix (residential, commercial, development bridge), channel, and target borrower profile.
Broad incumbents
- Shawbrook Bank: UK challenger bank with a substantial property lending division spanning bridging, development, and BTL mortgages. Both a direct competitor to Peninsula and a current capital partner via credit facility, making it a key dual-role comparable.
- United Trust Bank (UTB): UK specialist savings bank with a market-leading bridging finance franchise alongside asset finance and specialist mortgages. Competes with Peninsula in commercial and development bridge but operates at materially greater scale and product breadth.
- Precise Mortgages: UK specialist mortgage lender (part of Charter Savings Bank) with bridging and development finance alongside core residential and BTL products. Larger, broader incumbent with overlapping property lending capability to Peninsula.
Emerging players
- Koodoo: Newer UK specialist bridging and short-term property lender with a more digital-led onboarding experience. Partial overlap with Peninsula on residential bridge, but a more fintech-style operating model targeting similar intermediary customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Peninsula Finance social profiles
Digital presencePeninsula Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Peninsula Finance leadership team
Management profileNumber of profiles
Profiles9 records
Peninsula Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Peninsula 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 Peninsula Finance
What does Peninsula Finance do?
Peninsula Finance plc is a UK specialist principal lender providing short to medium term bridging finance secured against commercial, residential, and development property. It offers same-day decisions from enquiry to approval with no upfront fees, distributing primarily through professional mortgage brokers. It also operates a fixed-term Loan Note investment scheme (3 and 5 year terms) for investors funding its lending pool.
Is Peninsula Finance a public or private company?
Peninsula Finance is a private company. It is classified as unknown and is currently operating.
When was Peninsula Finance founded?
Peninsula Finance was founded in 2002. It employs 1 to 10 people.
Where is Peninsula Finance based?
Peninsula Finance is headquartered in Plymouth, United Kingdom, in the Europe region.
How does Peninsula Finance make money?
Two revenue lines are on record. Bridging Loan Interest is the primary driver. The others are investment Products (Loan Notes).
Who are Peninsula Finance's main competitors?
Direct peers on record are Apricot Capital, Lendhub, IronBridge, Roma Finance, Together Money and Market Financial Solutions (MFS). Broad incumbents are Shawbrook Bank, United Trust Bank (UTB) and Precise Mortgages. Koodoo is listed as an emerging player.
Does Peninsula Finance have an API?
No public API is recorded for Peninsula Finance.
What industry is Peninsula Finance in?
Peninsula Finance's product category is Property Bridging Finance / Specialty Lending. Its primary akta.pro industry code is FSAAAHAG, Private Credit / Direct Lending. Its SIC code is 6159.