Finance

Providing fast, flexible and secured loans to entrepreneurs and property investors from £250,000 to £20m for up to 12 months.

Our lending process

We are a business built by entrepreneurs, for entrepreneurs. Our approach to lending doesn’t rely on spreadsheets or blueprints. We craft our services based on risk – on an individual basis.

As a business owner arranging finance can be tough, due to the restrictive criteria of most lenders. This, coupled with the hoops that some commercial lenders make you jump through, can make financing time-critical deals and opportunities very difficult.

That’s why we formed Preneur Capital. A fast, flexible and ethical approach to lending. We are a lender, not a broker, and we are entrepreneurs just like you – we know your pains, stresses and strains when it comes to finance and we are here to change that for the better. At Preneur Capital, we want to facilitate your growth, not hold it back.

We will fund your project in as little as 14 days.



Qualification

Step 1

Getting to know you and your opportunity

To kick off, we will speak over the phone with you about your opportunity and what it is you are seeking funding for. We get to know you and what experience you have, maybe even have a chat about some of your past projects.

We will then review your business – things like income, cash flows and the margin you expect to make as part of the opportunity that you want help with financing. Following this, we will assess the security available and other financial information.



Assessment

Step 2

Matching the opportunity requirements to a product


Bridging Finance from

0.59% per month

→ 2.5% set up fee
→ £1,999 arrangement fee
→ 6-12 month term
→ Retained interest
→ No exit fees


Refurb Finance from

0.75% per month

→ 2.5% set up fee
→ £1,999 arrangement fee
→ 6-12 month term
→ Retained interest
→ Maximum £5m


DevEx Finance from

0.59% per month

→ 2.5% set up fee
→ £1,999 arrangement fee
→ 6-12 month term
→ £250k minimum
→ DPC to sale ready



Portfolio Finance from

0.59% per month

→ 2.5% set up fee
→ £1,999 arrangement fee
→ 6-12 month term
→ £1m+ minimum
→ No exit fees


Heavy Refurb Finance from

9% per annum

→ 2.5% set up fee
→ £1,999 arrangement fee
→ 6-12 month term
→ £250k minimum
→ Maximum £5m


Ground Up Finance from

10% per annum

→ 2.5% set up fee
→ £1,999 arrangement fee
→ 6-12 month term
→ Retained interest
→ Minimum £1m


Decision in Principle

Step 3

Making a decision on how we can help finance your opportunity

After reviewing and deciding on the best funding option, we will give you a decision in principle (DIP). This is where we provide you with indicative terms. At this stage, you can still alter your requirements, which will be quickly reflected in your indicative terms.

Typically, at this stage, we will have a good understanding of the opportunity, financing requirements, the product best suited and the security available to support the transaction. You’ll then be presented with an Offer of Terms letter to sign.



Legals

Step 4

Engaging and instructing solicitors to carry out the transaction

Almost there!

At this stage we instruct our solicitors to carry out the transaction, complete the legals and take the security you have offered. It is important to point out that as a lender, we do not accept standard residential conveyancers as adequate representation for our clients. Please bear this in mind when making any application for funding.



Completion

Step 5

Completion of the loan and drawdown of the facility

Once the solicitors give us the ‘green light’ we will then complete.

Monies will be paid out as per the terms and generally reach your account within 2 working days (with notice of completion). This will depend on the terms and the complexity of the facility as well as that of the security provided.

We will stay in regular contact with you providing help and advice where we can. You will be appointed a dedicated account manager who will be your point of contact.



Want to apply?

Get in touch

Do you need finance for your deal or opportunity? Get in touch with us today.

Get finance



Contact us

Get in touch


Call us
0845 055 9145

Preneur Capital Ltd,
15 Queen Square
Leeds, LS2 8AJ



Fast, flexible funding for entrepreneurs.


Preneur Capital Ltd offers unregulated commercial bridging loans. Winch & Co is authorised and regulated by the Financial Conduct Authority. Funded by Acre Lane Capital.