What Tapton Capital does

Tapton Capital is an FCA-authorised boutique property finance advisory firm founded in 2018 and headquartered at 29 Finsbury Circus, London. Operating as an intermediary broker, the firm accesses a panel of over 400 lenders spanning high street banks, specialist short-term lenders, hedge funds, family offices, private high-net-worth investors, and challenger bank divisions, and arranges bridging, development, and specialist property finance for UK property investors, developers, first-time buyers, assisted-living operators, and UK SMEs with working capital needs.

The product suite is anchored on three core categories — Bridging Finance (terms 24 hours to 24 months, rates 0.55%-1.5% per month), Development Finance (£200k-£50m, 7%-15% p.a.), and Equitable Charge Loans (£100k-£50m) — and extended with sub-products including second charge bridging, land and auction bridging, refurbishment finance, mezzanine finance at 18% p.a., JV equity targeting 12-20% IRR, secured overdrafts, invoice factoring, asset finance, and Lombard loans. Supporting the origination workflow is a Desktop Property Valuation service built around machine-learning Automated Valuation Models (AVMs) that deliver instant property valuations and enable no-physical-inspection bridging completions within 48 hours.

The firm earns revenue primarily through transaction-based arrangement fees (1%-2% of loan advance) and broker commissions received from its lender panel for placing borrower applications, with third-party valuation and legal costs typically passed through to clients. Distribution runs through consultative direct client engagement, a professional introducer network of financial advisors, solicitors, and property professionals, and content-marketing channels including educational guides, testimonials, and a 5.0-rated Google review footprint. The team of 13 staff is led by Director James Lennon and Head of Structured Finance Matthew Archer, with documented completions of £16.5m+ across 60+ UK and international deals and recognised through the B&C Awards 2021 and P2P Finance Awards 2023.

Name

Tapton Capital

Legal name

Tapton Capital

Website

https://taptoncapital.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Tapton Capital is a London-based FCA-authorised boutique property finance broker that arranges bridging, development, mezzanine, and specialist property loans by intermediating between borrowers and a panel of over 400 lenders for UK investors, developers, and SMEs.

Ownership category

akta.pro rank

Product category

Property Finance Brokerage

SIC

Loan Brokers (6163)

akta.pro primary industry

Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

akta.pro secondary industries

Capital Raising Advisory (Debt/Equity/Private Capital) (BPAHADAG), Equity Capital Advisory (Private Equity Placements, Growth Capital) (BPAHAOAE), Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps) (FSAEAGAE)

Keywords

• Property finance brokerage
• Bridging loan advisory
• Development finance services
• Commercial lending intermediary
• Business finance solutions

Headquarters

HQ city

London

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. Broker Arrangement Fees: Tapton Capital earns arrangement fees from lenders for arranging bridging and development finance facilities. Arrangement fees typically range from 1% to 2% of the loan advance amount.
2. Broker Commission: The company earns commission from its panel of 400+ lenders across specialist short-term lenders, private funders, family offices, and challenger bank divisions for placing borrower applications.
3. Valuation and Legal Fees Recovery: Third-party costs including valuation fees (ranging from £500 to £2,500) and legal fees are passed through to clients, though the company may earn referral or service fees on these arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Tapton Capital is a boutique property finance advisory firm that acts as an FCA-authorised intermediary broker, connecting property borrowers with a panel of over 400 lenders including high street banks, specialist lenders, hedge funds, family offices, and private high-net-worth investors. The company arranges bridging finance, development finance, equitable charge loans, business finance, and ancillary valuation services for complex property financing needs, earning arrangement fees and commissions from lenders.

Product overview

Tapton Capital is a boutique property finance advisory firm offering a comprehensive suite of financing products. The core offerings include Bridging Finance (short-term property loans ranging from 24 hours to 24 months), Development Finance (for property construction and renovation, £200k-£50m), and Equitable Charge Loans. These are complemented by specialist sub-products including 2nd Charge Bridging, Land Bridging, Auction Bridging, Refurbishment Finance, Mezzanine Finance, JV Equity, and various Business Finance products (Invoice Factoring, Asset Finance, Secured/ Unsecured Business Finance). Supporting services include Desktop Property Valuation using AI-driven Automated Valuation Models (AVMs), and Lombard Loans. The firm accesses over 400 lenders including high street banks, specialist lenders, hedge funds, and private high-net-worth investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Finance Short-term property finance solutions bridging the gap between immediate capital needs and long-term financing, with repayment terms typically ranging from 24 hours to 24 months, sourced from a panel of 400+ lenders at rates of 0.55%-1.5% per month.
• Development Finance Specialised loans for development projects covering land acquisition, construction financing, and renovations, with loan amounts from £200,000 to £50 million and terms of 6-24 months, at interest rates of 7%-15% p.a. across senior, stretched senior, and mezzanine tranches.
• Equitable Charge Loans Loans creating a security interest in property without requiring full legal mortgage registration, enabling faster processing than traditional mortgages (7-14 days for straightforward cases) with loan amounts from £100,000 to £50 million and rates from 0.75% to 2% per month.
• Lombard Loans Loans secured against liquid assets such as stocks, bonds, investment funds, or luxury items, enabling capital access without liquidating holdings.
• Supported/Assisted Living Finance Specialised financing for assisted living facility acquisition, renovation, expansion, and refinancing with cash out, supporting investors and operators in the senior care sector.
• Mezzanine Finance Hybrid financing combining elements of debt and equity, positioned between senior debt and common equity in the development capital stack (80% LTGDV/98% LTC at 18% p.a.), enabling additional capital access without diluting ownership interest.
• JV Equity Joint venture equity partnerships pairing capital contributions with expertise or land, with investments typically ranging from £5 million to £50 million targeting 12-20% IRR.
• Invoice Factoring Financial solution allowing businesses to sell outstanding invoices for immediate cash, providing up to 90% of invoice value within 24-48 hours to address B2B cash flow gaps.
• Unsecured Business Finance Business loans approved based on creditworthiness and business potential without requiring collateral, enabling rapid approval without asset evaluations.
• Asset Finance Financing solutions enabling businesses to acquire equipment, vehicles, and commercial properties without immediate capital outlay, via hire purchase and leasing structures.
• Secured Business Overdraft Flexible revolving credit lines secured by real estate or business assets, providing working capital access during cash flow fluctuations for UK businesses.
• Desktop Property Valuation Rapid property valuation using digital land registry data, recent sales comparables, market trend analysis, and aerial imagery without physical inspection.
• Automated Valuation (AVM) Instant property valuation using machine-learning algorithms analyzing recent sales, market trends, and property features, enabling no-valuation bridging loans up to 75% LTV to be completed in as little as 48 hours.

Quantifiable outcome

• 5.0 Google rating based on 11 client reviews
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Enness Global: UK boutique mortgage and property finance broker serving high-net-worth and international clients. Direct peer: similar size and intermediary-only model, with comparable bespoke service proposition in the UK specialist property finance market Tapton targets.
• Brightstar Financial: UK bridging finance broker. Closely comparable specialist intermediary model, brokering bridging, development and short-term property facilities from a wide lender panel for UK property investors and developers.
• Clifton Private Finance: UK bridging and specialist property finance broker. Direct peer: competing boutique intermediary that aggregates multiple lender panels to place bridging, development, and complex property finance deals for UK borrowers.
• Crystal Specialist Finance: UK specialist finance broker focused on bridging, development, commercial and complex property finance. Direct peer to Tapton in intermediating transactions across a multi-lender panel to UK property professionals.

Broad incumbents

• Market Financial Solutions (MFS): UK specialist bridging and development finance lender. While a direct principal rather than pure broker, MFS competes for the same borrowers Tapton serves and is a common counterparty on Tapton's broker panel — making it both a competitor and a supplier relationship.
• Roma Finance: UK bridging and development lender. Comparable operating space — short-term property finance for investors and developers — and frequently coexists on lender panels alongside Tapton's broker model as both competitor and capital source.
• LendInvest: UK property finance platform combining a digital lending marketplace with broker-style intermediation across bridging, development and buy-to-let. Operates at far larger scale and now originates as principal, making it a broad incumbent that Tapton's intermediation model ultimately sits adjacent to.
• Together Money: Large UK specialist lender in bridging, development, commercial and residential finance. Sits on Tapton's 400+ lender panel and competes for overlapping borrower demand, but at materially greater scale and balance-sheet capacity.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/taptoncapital

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Tapton Capital