Lender review · Bridging and development finance
Avamore Capital
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 09820738
- Methodology Public
London specialist covering bridging, refurbishment and ground-up development across England and Wales. Sweet spot is the £1m to £15m residential and mixed-use bracket where mainstream banks are slow and other bridgers are too small. Broker-distributed; not a self-serve consumer journey.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Bridging and development finance
- Ticket size
- £500k to £25m
- Typical rate
- From 0.65% per month
- Decision time
- 3 to 10 business days
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- No
- Companies House
- 09820738
- Founded
- 2015
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity3/5
- Decision speed4/5
- Decline handling3/5
How Avamore Capital works
Avamore Capital operates as a bridging and development finance provider in the UK SMB market. London specialist covering bridging, refurbishment and ground-up development across England and Wales. Sweet spot is the £1m to £15m residential and mixed-use bracket where mainstream banks are slow and other bridgers are too small. Broker-distributed; not a self-serve consumer journey.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £500k to £25m band, decisions land within 3 to 10 business days, and the published rate range is From 0.65% per month. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where Avamore Capital fits best: residential developers, £1m to £15m schemes, bridge-to-development transitions. Where it does not fit: sub-£500k tickets, self-serve applicants, owner-occupier commercial.
Pricing examples
Worked examples using Avamore Capital's published rate range (From 0.65% per month). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | £28,900 | £1,204 |
| £50,000 | 36 months | £61,700 | £1,714 |
| £100,000 | 48 months | £131,200 | £2,733 |
Indicative only. Confirm on a Avamore Capital quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Sub-£500k tickets; Self-serve applicants; Owner-occupier commercial.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Residential developers; £1m to £15m schemes; Bridge-to-development transitions.
Pros
- + Genuine specialist on residential development and heavy refurb.
- + Will structure facilities across bridge to development exit.
- + Experienced in-house credit team handling complex cases.
- + Strong on London and South East schemes.
Cons
- − Broker introduction expected; direct applicants get routed.
- − Headline rate is per-month, total cost depends on term and exit.
- − Below £500k they will not engage.
Best for
- · Residential developers
- · £1m to £15m schemes
- · Bridge-to-development transitions
Weak at
- · Sub-£500k tickets
- · Self-serve applicants
- · Owner-occupier commercial
When to use Avamore Capital
Use Avamore Capital when
Your application matches the best-fit profile: residential developers, £1m to £15m schemes, bridge-to-development transitions. The published ticket range (£500k to £25m) covers your ask, the decision speed (3 to 10 business days) fits your cash-gap timeline, and the rate range (From 0.65% per month) is acceptable to you given your credit profile.
Do not use Avamore Capital when
Your profile sits in the weak-at list: sub-£500k tickets, self-serve applicants, owner-occupier commercial. Avamore Capital will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Avamore Capital as a screen.
FAQs
What is the minimum trading time for Avamore Capital?
Avamore Capital typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Avamore Capital require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Avamore Capital is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For bridging and development finance specifically, expect a PG to be requested.
How fast does Avamore Capital fund?
Avamore Capital quotes 3 to 10 business days for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Avamore Capital?
Avamore Capital's published range is From 0.65% per month. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Avamore Capital declines me?
If Avamore Capital declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Avamore Capital scores 3/5 on decline handling in our methodology.
Where to apply
Apply directly via avamorecapital.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Avamore Capital.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: avamorecapital.com.