Lender review · Bridging finance
Hope Capital
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 07785052
- Methodology Public
Liverpool-based principal lender writing residential, semi-commercial and commercial bridging across England, Wales and Scotland. Lower ticket floor than most specialist bridgers, which makes it useful for smaller refurb and auction cases. Broker-distributed.
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 finance
- Ticket size
- £50k to £10m
- Typical rate
- From 0.69% per month
- Decision time
- 3 to 10 business days
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- No
- Companies House
- 07785052
- Founded
- 2011
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Hope Capital works
Hope Capital operates as a bridging finance provider in the UK SMB market. Liverpool-based principal lender writing residential, semi-commercial and commercial bridging across England, Wales and Scotland. Lower ticket floor than most specialist bridgers, which makes it useful for smaller refurb and auction cases. Broker-distributed.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £50k to £10m band, decisions land within 3 to 10 business days, and the published rate range is From 0.69% 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 Hope Capital fits best: sub-£500k bridging, auction completions, refurb projects across uk. Where it does not fit: self-serve consumer journey, £10m+ tickets, ground-up development.
Pricing examples
Worked examples using Hope Capital's published rate range (From 0.69% 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 | £29,140 | £1,214 |
| £50,000 | 36 months | £62,420 | £1,734 |
| £100,000 | 48 months | £133,120 | £2,773 |
Indicative only. Confirm on a Hope 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: Self-serve consumer journey; £10m+ tickets; Ground-up development.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Sub-£500k bridging; Auction completions; Refurb projects across UK.
Pros
- + Ticket floor at £50k catches smaller cases other bridgers reject.
- + Lends on residential, semi-commercial and commercial.
- + Scotland and Wales accepted alongside England.
- + Established 2011 track record.
Cons
- − Broker channel preferred; direct applicants routed.
- − Per-month rate quoting; total cost varies with exit.
- − Pricing band wider than headline suggests for non-prime cases.
Best for
- · Sub-£500k bridging
- · Auction completions
- · Refurb projects across UK
Weak at
- · Self-serve consumer journey
- · £10m+ tickets
- · Ground-up development
When to use Hope Capital
Use Hope Capital when
Your application matches the best-fit profile: sub-£500k bridging, auction completions, refurb projects across uk. The published ticket range (£50k to £10m) covers your ask, the decision speed (3 to 10 business days) fits your cash-gap timeline, and the rate range (From 0.69% per month) is acceptable to you given your credit profile.
Do not use Hope Capital when
Your profile sits in the weak-at list: self-serve consumer journey, £10m+ tickets, ground-up development. Hope 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 Hope Capital as a screen.
FAQs
What is the minimum trading time for Hope Capital?
Hope 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 Hope Capital require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Hope 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 finance specifically, expect a PG to be requested.
How fast does Hope Capital fund?
Hope 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 Hope Capital?
Hope Capital's published range is From 0.69% 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 Hope Capital declines me?
If Hope 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. Hope Capital scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.hopecapital.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Hope Capital.
Specialty alternatives
- · Glenhawk, Specialist bridging desk founded by Guy Harrington, covering residential, refurb and commercial bridging across England ...
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.hopecapital.co.uk.