Buzz Capital

What Buzz Capital does

Buzz Capital (legal entity: Buzz Capital Property Finance Ltd) is a UK-based, FCA-regulated alternative lender headquartered in Brighton, serving SMEs in England, Wales, and Northern Ireland. The company provides three core product lines: property bridging and development loans (typically £50k-£1.5M, interest from 0.75% per calendar month, LTV up to 75%); R&D tax credit loans (advances of up to 80% of HMRC tax credit receivables, minimum £50k); and creative industry tax credit loans covering Film, Theatre, Video Games Tax Relief, and Animation. Buzz Capital deploys 100% of its own capital reserves rather than intermediating institutional or crowd-sourced funds, which the company cites as enabling same-day terms and rapid fund release.

The business operates a sales-led and inside-sales go-to-market motion combining a 14-step online application form, callback requests, loan calculators, and direct phone/email support, supplemented by referral partnerships with accountants and R&D tax relief specialists. Marketing is content-driven through an SEO-oriented blog library and the company is a member of the Association of Short Term Lenders (ASTL). The firm has 1-10 employees, with Jason Garrett as CEO and Adam Betteridge as co-founder.

Revenue is generated through interest charges (monthly on bridging loans, rolled-up on development loans) plus upfront fees of 1-3% and potential exit fees. Underwriting relies on manual KYC/AML and credit checks rather than automated decisioning, and no proprietary technology platform, APIs, or AI capabilities are disclosed. Notable milestones include a £1.1M development loan closed in 2022 and the firm's first Theatre Tax Relief loan the same year.

Name

Buzz Capital

Legal name

Buzz Capital Property Finance Ltd

Website

https://buzzcapital.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Buzz Capital is a Brighton-based, FCA-regulated UK alternative lender providing property bridging, development, and HMRC tax credit (R&D, Film, Theatre, Video Games) advances of £50k-£1.5M to SMEs using its own capital reserves.

Ownership category

akta.pro rank

Product category

Specialist Alternative Lending

NAICS

Nondepository Credit Intermediation (5222), Real Estate Credit (522292)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Middle-Market Lending (FSANADAI), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Bridging loans
• Development finance
• R&D tax credit loans
• Creative industry financing
• Secured business lending

Headquarters

HQ city

Brighton

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Bridging Loan Interest: Buzz Capital provides short-term property bridging loans with interest charged monthly. Rates start from 0.75% per calendar month for straightforward loans, with upfront fees of 1-3% and potential exit fees. Loans typically range from £50,000 to £1.5 million.
2. R&D Tax Credit Loans: Non-dilutive advances against future R&D tax credit receivables from HMRC. They advance up to 80% of the anticipated tax credit, with minimum loan amounts of £50,000. Repaid once HMRC processes the claim.
3. Development Finance: Property development loans for construction projects, including staged payments released at milestones. Includes bespoke property financing and larger development loans up to £1.1 million.
4. Creative Industry Tax Relief Loans: Loans against Film Tax Relief, Theatre Tax Relief, Video Games Tax Relief (VGTR), and Animation Tax Relief. Advances repaid from the HMRC tax credit when processed after the production concludes.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Buzz Capital is a UK-based specialist lender providing secured short-term business loans to SMEs. Core offerings include property bridging and development loans (£50,000 to £1.5 million, rates from 0.75% per month), non-dilutive advances of up to 80% against R&D tax credit receivables from HMRC (minimum £50,000), and creative industry tax credit loans covering film, theatre, animation and video games. All lending is funded from the company's own capital reserves, with same-day terms and rapid fund release for UK businesses in England, Wales and Northern Ireland.

Product overview

Buzz Capital is a UK-based secured business lender offering a portfolio of short-term, non-dilutive financing solutions primarily for SMEs. The core offerings consist of Property Bridging & Development Loans (including bespoke property finance, refinance, residential, auction, development, commercial, and refurbishment bridging loans ranging from £50,000 to £1.5 million) and R&D Tax Credit Loans (advances up to 80% of HMRC tax credit receivables with £50,000 minimums). The company also provides Creative Industries Tax Credit Loans covering film, theatre, and video games sectors. All lending is secured against assets or government tax relief receivables, with same-day terms and rapid fund release. Buzz Capital deploys its own cash reserves, operating outside institutional or crowd-sourced funding.

Differentiator

Problem solved

Functional benefit

Products and services

• Property Bridging and Development Loans Short-term secured business loans for UK property developers and investors covering bridging finance, development projects, auction purchases, refurbishments, and commercial property acquisitions. Loans typically range from £50,000 to £1.5 million with interest rates from 0.75% per calendar month and upfront fees of 1-3%.
• Bespoke Property Finance Custom-tailored property financing solutions for UK developers and investors whose circumstances do not fit standard bridging or development loan products. Terms are aligned to the specific transaction, security and timing.
• Refinance Bridging Loans Short-term bridging finance provided to UK property owners to refinance existing property obligations where mainstream bank refinancing is not available or not timely enough.
• Residential Bridging Loans Bridging loans secured against UK residential property assets for developers, investors and landlords needing short-term funding for purchase, refurbishment or onward refinance.
• Property Auction Finance Short-term auction finance for UK property purchases that require completion within tight timescales (typically 14-28 days), enabling buyers to complete auction property acquisitions quickly.
• Development Bridging Loans Finance for UK property development projects including new builds and renovations, with staged payments released against development milestones for borrowers up to approximately £1.1 million in size.
• Commercial Bridging Loans Bridging finance for commercial property acquisitions and developments in the UK, secured against commercial real estate assets.
• Refurbishment Bridging Loans Short-term secured loans for UK property refurbishment and renovation projects, providing funding against the asset and intended end value post-works.
• R&D Tax Credit Loans Non-dilutive advance funding for UK R&D-intensive companies, secured against anticipated R&D tax credit claims from HMRC. Advances of up to 80% of the anticipated receivable are provided, with a minimum loan of £50,000, repaid when HMRC processes the claim.
• RDEC R&D Tax Credit Loan Advance funding variant of the R&D Tax Credit Loan product for larger UK companies claiming under the RDEC scheme, with expenditure credits typically around 10-13% of qualifying R&D expenditure.
• SME R&D Tax Credit Loan Advance funding variant of the R&D Tax Credit Loan product tailored to UK SMEs claiming under the SME R&D tax credit scheme, including the merged single scheme from April 2024, with relief rates of up to 27% for R&D-intensive companies where 40%+ of expenditure qualifies.
• Creative Industries Tax Credit Loans Advance funding for UK creative businesses against Film Tax Relief, Theatre Tax Relief, Video Games Tax Relief (VGTR) and Animation Tax Relief, providing working capital between production spend and HMRC settlement of the tax credit.
• Film Tax Credit Loans Loans advanced against expected Film Tax Relief claims, providing UK film production companies with working capital between production spend and receipt of the Film Tax Relief.
• Theatre Tax Credit Loans Advance funding against Theatre Tax Relief for UK theatre productions, providing producers with up to 45% of eligible production expenditure as a loan repayable from the HMRC Theatre Tax Credit.
• Video Games Tax Relief Loans Loans secured against Video Game Tax Relief (VGTR) claims for UK video games studios, with VGTR rebates capped at approximately 25% of 80% of qualifying expenditure and the advance repaid when HMRC settles the claim.

Quantifiable outcome

• Same-day terms agreed and fund transfer within hours for urgent cases
• +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

Partnerships

One partnership is on record.

• Association of Short Term Lenders (ASTL)coreOthers · 2 December 2021Buzz Capital is a member of ASTL (The Association of Short Term Lenders), maintaining and upholding high standards of professionalism in the short-term lending industry. ASTL membership provides industry recognition and ensures compliance with professional standards.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• LendInvest: One of the largest UK specialist property lending platforms, offering bridging, development, and buy-to-let mortgages. Directly comparable to Buzz Capital's property bridging and development loan business, but at materially greater scale with institutional funding.
• Together Money: Established UK specialist lender offering bridging, development, and commercial mortgages. Operates with institutional backing across a wider loan-size spectrum than Buzz Capital, providing a useful benchmark for scale and product breadth.
• Octopus Property: UK bridging and development lender backed by Octopus Group. Competes in the same property bridging and development finance niche as Buzz Capital, but with institutional capital and broader product offerings.

Direct peers

• Proplend: UK peer-to-peer platform focused on property-backed bridging and development loans. Directly comparable to Buzz Capital's property bridging business, though operating with a marketplace funding model.
• Reward Funding: UK-based specialist lender offering cash advances against R&D tax credits and other HMRC receivables. Closest direct competitor to Buzz Capital's R&D tax credit loan product, with overlapping target customers (R&D-intensive SMEs).
• MT Finance: Specialist UK bridging finance lender offering short-term property loans. Direct competitor to Buzz Capital's bridging loan product, particularly in the £100k–£5M ticket range.
• Optimum Finance: UK specialist lender focused on R&D tax credit and creative industry tax relief advances. Direct competitor to Buzz Capital across both R&D and creative industry loan products.

Others

• Rangewell: UK commercial finance broker matching businesses with lenders across property, R&D, and other products. Comparable go-to-market motion and customer overlap, but operates as an intermediary rather than a direct lender like Buzz Capital.

Emerging players

• Capitalise: UK fintech platform connecting SMEs with lenders and funding partners across multiple products. Adjacent competitor with technology-driven matching capability that could erode Buzz's relationship-led origination advantage over time.
• Swoop Funding: UK fintech platform matching SMEs with lenders across multiple products including R&D tax credit advances and business loans. Comparable to Buzz's R&D loan offering but operates as a marketplace rather than a direct lender.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInuk.linkedin.com/company/buzz-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Buzz Capital