Lender review · Bridging + buy-to-let + development finance
LendInvest
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 08146929
- Methodology Public
AIM-listed UK property-finance specialist covering bridging, buy-to-let mortgages and development finance. Tech-led broker portal makes the process faster than most specialist banks at the same ticket size. Property-only; not a fit for working-capital or unsecured business lending.
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 + buy-to-let + development finance
- Ticket size
- £75k to £15m
- Typical rate
- From around 0.55% per month bridging / 5% APR BTL
- Decision time
- 3 to 10 business days
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 08146929
- Founded
- 2008
Scores against our methodology
- Rate transparency4/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How LendInvest works
LendInvest operates as a bridging + buy-to-let + development finance provider in the UK SMB market. AIM-listed UK property-finance specialist covering bridging, buy-to-let mortgages and development finance. Tech-led broker portal makes the process faster than most specialist banks at the same ticket size. Property-only; not a fit for working-capital or unsecured business lending.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £75k to £15m band, decisions land within 3 to 10 business days, and the published rate range is From around 0.55% per month bridging / 5% APR BTL. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. LendInvest is FCA regulated.
Where LendInvest fits best: property investors and developers, bridging £250k+, portfolio buy-to-let. Where it does not fit: working capital not secured on property, trading-business lending, sole traders.
Pricing examples
Worked examples using LendInvest's published rate range (From around 0.55% per month bridging / 5% APR BTL). 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 | £41,650 | £1,735 |
| £50,000 | 36 months | £99,950 | £2,776 |
| £100,000 | 48 months | £233,200 | £4,858 |
Indicative only. Confirm on a LendInvest quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing. Weakness flagged: Trading-business lending.
- 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: Working capital not secured on property.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Property investors and developers; Bridging £250k+; Portfolio buy-to-let.
Pros
- + Tech-led broker journey speeds up specialist property finance.
- + Strong product set across bridging, BTL and development.
- + AIM-listed transparency on financials.
- + Established broker channel with sector specialism.
Cons
- − Property-only; no general SME term lending.
- − Hard search at full application.
- − Pricing varies materially by LTV and asset.
Best for
- · Property investors and developers
- · Bridging £250k+
- · Portfolio buy-to-let
Weak at
- · Working capital not secured on property
- · Trading-business lending
- · Sole traders
When to use LendInvest
Use LendInvest when
Your application matches the best-fit profile: property investors and developers, bridging £250k+, portfolio buy-to-let. The published ticket range (£75k to £15m) covers your ask, the decision speed (3 to 10 business days) fits your cash-gap timeline, and the rate range (From around 0.55% per month bridging / 5% APR BTL) is acceptable to you given your credit profile.
Do not use LendInvest when
Your profile sits in the weak-at list: working capital not secured on property, trading-business lending, sole traders. LendInvest 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 LendInvest as a screen.
FAQs
What is the minimum trading time for LendInvest?
LendInvest is weaker on trading-business lending. As a working figure, expect LendInvest to ask for at least 12 months of trading for most product lines, and 24 months for the cleanest pricing.
Does LendInvest require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. LendInvest 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 + buy-to-let + development finance specifically, expect a PG to be requested.
How fast does LendInvest fund?
LendInvest 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 LendInvest?
LendInvest's published range is From around 0.55% per month bridging / 5% APR BTL. The headline number is rarely the offered number. Rate transparency on this lender scores 4/5 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 LendInvest declines me?
If LendInvest 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. LendInvest scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.lendinvest.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just LendInvest.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.lendinvest.com.