Lender review · Bridging, refurbishment and BTL
Octane Capital
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 10481270
- Methodology Public
Mayfair specialist covering bridging, refurb and specialist BTL across England, Wales and Scotland. Notable for risk-priced rather than slot-priced underwriting: each deal scored individually rather than fitted to a fixed grid. Broker-distributed with named underwriters per case.
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, refurbishment and BTL
- Ticket size
- £150k to £30m
- 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
- 10481270
- Founded
- 2017
Scores against our methodology
- Rate transparency4/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Octane Capital works
Octane Capital operates as a bridging, refurbishment and btl provider in the UK SMB market. Mayfair specialist covering bridging, refurb and specialist BTL across England, Wales and Scotland. Notable for risk-priced rather than slot-priced underwriting: each deal scored individually rather than fitted to a fixed grid. Broker-distributed with named underwriters per case.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £150k to £30m 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 Octane Capital fits best: complex residential bridging, specialist btl, £500k to £10m tickets. Where it does not fit: self-serve consumer journey, sub-£150k tickets, ground-up development.
Pricing examples
Worked examples using Octane 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 Octane 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; Sub-£150k 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: Complex residential bridging; Specialist BTL; £500k to £10m tickets.
Pros
- + Risk-priced underwriting handles cases that fail grid-based lenders.
- + Wide product mix from bridging through BTL.
- + Named underwriter per case, broker-friendly process.
- + Tickets up to £30m without syndication.
Cons
- − Broker-distributed; direct applicants routed.
- − Pricing varies materially by deal, headline rate not the offered rate.
- − Below £150k tickets not entertained.
Best for
- · Complex residential bridging
- · Specialist BTL
- · £500k to £10m tickets
Weak at
- · Self-serve consumer journey
- · Sub-£150k tickets
- · Ground-up development
When to use Octane Capital
Use Octane Capital when
Your application matches the best-fit profile: complex residential bridging, specialist btl, £500k to £10m tickets. The published ticket range (£150k to £30m) 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 Octane Capital when
Your profile sits in the weak-at list: self-serve consumer journey, sub-£150k tickets, ground-up development. Octane 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 Octane Capital as a screen.
FAQs
What is the minimum trading time for Octane Capital?
Octane 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 Octane Capital require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Octane 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, refurbishment and btl specifically, expect a PG to be requested.
How fast does Octane Capital fund?
Octane 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 Octane Capital?
Octane Capital's published range is From 0.69% per month. 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 Octane Capital declines me?
If Octane 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. Octane Capital scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via octanecapital.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 Octane Capital.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: octanecapital.co.uk.