What INFLOW PRIVATE FINANCE LTD does

Inflow Private Finance Ltd is a UK-based, FCA-authorised specialist lender focused exclusively on short-term property finance. Incorporated in 2015 and headquartered in Pinner, the company operates with a small team (1-10 employees) and is '100% privately funded', meaning it deploys its own balance sheet rather than warehousing institutional capital. Its product set comprises seven distinct facilities: Auction Finance, Residential Bridging Loans, Semi-Commercial & Commercial Bridging, Light to Medium Refurbishment, Heavy Refurbishment, Development Finance, and Bespoke Finance. Pricing is asset-based (monthly interest of 0.55%-1.00% on drawn balances, arrangement fees typically ~2%, plus administration, legal and valuation fees), with minimum tickets of £100k-£200k and maximum LTVs of 65%-75% depending on product. Terms range from 1 to 24 months and there are no early repayment charges or exit fees.

The company's core technology stack is not disclosed; the operating model is described as a combination of technology and manual, human-led underwriting that emphasises the borrower and property story over automated credit scoring. Underwriting workflows run enquiry → terms (within 24h) → valuation → underwriting → legal due diligence → completion, with funds typically released in 15-20 days. Distribution is multi-channel: a dedicated broker/introducer network, direct inbound via website (inflowfinance.com) and phone, and since March 2025, the finova Mortgage Club lending panel giving access to roughly 460 advisors across 158 firms.

Inflow targets SME property investors, developers, first-time buyers, foreign nationals and expats who are poorly served by mainstream lenders due to complexity, tight timelines, unconventional property types, limited credit history or adverse income profiles. Revenue is generated through interest income on the deployed loan book, arrangement fees, administration fees and pass-through legal/valuation fees. Revenue, loan-book size and AUM are not publicly disclosed; the company has no disclosed institutional funding rounds, no parent entity and no subsidiaries.

Name

INFLOW PRIVATE FINANCE LTD

Legal name

Inflow Private Finance Ltd

Website

https://inflowfinance.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Inflow Private Finance Ltd is an FCA-authorised, privately funded UK specialist lender offering short-term property finance products including bridging loans, refurbishment and development funding to SME property investors, developers and foreign nationals underserved by mainstream lenders.

Ownership category

akta.pro rank

Product category

Short-term property finance

NAICS

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

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

akta.pro secondary industry

Middle-Market Lending (FSANADAI)

Keywords

• Bridging loans
• Development finance
• Refurbishment finance
• Auction finance
• Specialist lending

Headquarters

HQ city

Pinner

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Inflow earns monthly interest on bridging and development finance loans, with rates ranging between 0.55% to 0.95% per month. Interest-only borrowing arrangement.
2. Arrangement Fee: Setup fee typically around 2% of the loan amount, deducted from the loan or payable at completion.
3. Administration Fee: Cost of administration for processing the loan, separate from arrangement fee.
4. Legal Fee: Legal fees for completing the loan, charged at a set rate. Valuation fees (independent surveyor costs) also apply.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Inflow Private Finance Ltd is a specialist short-term property finance lender providing bridging loans, development funding, refurbishment finance and auction finance to UK property developers and investors. Its offering spans residential, semi-commercial and commercial property sectors, with bespoke finance structures available for first-time developers, foreign nationals and other non-standard borrowers who struggle to obtain funding through high-street lenders.

Product overview

Inflow is a UK-based specialist short-term property finance provider offering a portfolio of seven distinct lending products. The core offering consists of bridging loans (Auction Finance, Residential Bridging Loans, Semi-Commercial & Commercial Bridging) and development finance products (Light to Medium Refurbishment, Heavy Refurbishment, Development Finance), all designed with built-in flexibility for SME property investors and developers. Additionally, Bespoke Finance provides custom-tailored solutions for complex property strategies that fall outside standard products. The company operates as an unregulated lender focusing on asset-based lending rather than income verification, serving borrowers including first-time investors, foreign nationals, and experienced property developers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auction Finance Short-term funding designed to enable property investors and developers to complete purchases within the typical auction completion window. Target customers are UK property investors and developers bidding at auction.
• Residential Bridging Loans Short-term bridging finance secured against residential property for acquisitions, refinancing or chain-break situations. Target customers are residential property investors, developers and homeowners needing interim funding.
• Semi-Commercial & Commercial Bridging Bridging finance secured against mixed-use semi-commercial and pure commercial property assets. Target customers are commercial property investors and developers.
• Light to Medium Refurbishment Finance Short-term funding for light or medium-scale property refurbishment projects. Target customers are property investors and developers undertaking cosmetic or moderate refurbishment schemes.
• Heavy Refurbishment Finance Funding for heavy property refurbishment schemes that require structural works or significant development input. Target customers are experienced developers undertaking complex refurbishment projects.
• Development Finance Short to medium-term funding for new-build and ground-up property development projects. Target customers are SME developers and small development businesses.
• Bespoke Finance Tailored short-term property finance structures for non-standard scenarios, including complex borrower or asset profiles that mainstream lenders typically decline. Target customers are first-time developers, foreign nationals and other complex borrowers seeking tailored lending solutions.

Quantifiable outcome

• Terms can be agreed within hours with funds released typically in 15-20 days
• +3 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles2 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.

• finova Mortgage ClubcoreChannel Partner/ Reseller/ Distributor · 28 March 2025Inflow Finance joined finova Mortgage Club's lending panel to enhance accessibility to short-term property finance solutions. Through this partnership, Inflow extends its services to finova's network of brokers' clients investing in UK property, including commercial owner-occupiers, foreign nationals, and expats. Finova has 158 firms with approximately 460 individual advisors and 91 lenders on their panel.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Together Money: UK specialist lender offering bridging, development and refurbishment finance to property investors and SMEs with complex income or adverse credit. Closest large-scale peer on product mix and target borrower profile.
• MT Finance: UK specialist bridging and development finance lender focused on broker-introduced business for property investors and developers. Direct overlap on product range, broker channel and decisioning speed.
• Glenhawk: UK short-term property finance lender offering bridging loans against residential, semi-commercial and commercial property, distributed primarily through brokers. Directly comparable on speed-of-decisioning and complex borrower underwriting.
• Assetz Capital: UK property-focused peer-to-peer / marketplace lender offering bridging and development finance to property professionals. Comparable on target borrower segment and short-term property lending, with a distinct funding model.
• United Trust Bank: UK specialist bank with a substantial bridging finance division covering residential, commercial and auction finance. Competes head-to-head on rate cards and broker panels across all of Inflow's core product categories.
• Octopus Property: UK bridging, development and refurbishment finance provider within the Octopus Investments group, serving professional property investors and developers. Directly comparable on bridging/development products and broker distribution.
• BuildLoan: UK specialist development finance provider focused on self-build and small-to-mid developer schemes. Closest direct peer on development finance product, particularly for first-time developers.
• Lendhub: UK bridging loan provider for property investors and developers with broker and direct distribution. Comparable on residential and commercial bridging products and short-term property finance focus.
• Shawbrook Bank: UK specialist challenger bank with a large bridging and development finance proposition serving SME property investors and developers. Direct competitor on auction, residential and commercial bridging products, with materially larger headcount and securitised funding model.

Broad incumbents

• Investec Private Banking: Private bank offering high-net-worth and professional property investor clients short-term bridging and development finance as part of a broader wealth and lending franchise. Larger incumbent with overlapping capability but broader product suite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/about/privacy
• LinkedInlinkedin.com/company/inflow-private-finance-ltd
• Instagramhelp.instagram.com/155833707900388

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 INFLOW PRIVATE FINANCE LTD