Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Our team of in-house experts have over 100 years of combined experience and all of our property investment opportunities go through our stringent due diligence process before they make it onto the platform.
We receive numerous loan applications from property developers and carefully evaluate each one against over 50 criteria - only those that meet our underwriting standards will proceed to the next stage.
If a deal passes our due diligence process it will be analysed by our credit committee.
Most property finance proposals do not pass the first stage of our stringent review process.
Exclusively for members, we post the investment opportunity on our platform. Within the deal room you can review all the relevant documentation and decide whether to invest. It only takes a few minutes.
We provide regular quarterly updates on the investments and at the end of the loan term the borrower will repay you, plus your returns.
Most property finance proposals do not pass the first stage of our stringent review process.
We only lend to developers who have significant experience and a consistent proven track record of profitable financial performance which we believe provide a high probability of success in the future.
When assessing the borrower, CapitalRise obtain evidence of the historical success of similar projects they have undertaken by reviewing resumes, references, financial statements and visiting completed sites.We also assess the capability of any supporting teams by reviewing their track record on similar projects, their financial statements as well as the relevant contracts, guarantees and warranties between themselves and the borrower.
For each investment CapitalRise will provide a risk rating that is in line with our selection criteria. One rating tells investors the number of projects the borrower has completed.
We only offer properties that fit our criteria. These are the finest homes in the most sought after areas that have a consistently high market demand. We strictly follow real estate industry standard definitions of Prime Property.
We only back proposals that have a clear and sensible business plan which we believe makes financial sense. We then stress test that plan to ensure investors are still more more likely to get repaid if things take longer than forecast.
CapitalRise only backs proposals that have the appropriate profitability and rate of return to our investors for the risk being taken. Our average loan-to-value is 66% and we ensure your investment is typically secured by a first or second legal charge against the property.
Our stringent due diligence checks are designed to minimise developer/default risk, however they do not eliminate it. See Key Risks for more information on this.
CapitalRise's credit committee are tasked with ensuring the standard of the
opportunities launched to investors is of consistent high quality
When you make an investment you are providing a loan to the borrower that is secured against prime property.
Investing in property means that there is a physical asset we are legally allowed to secure your investment against.
Each loan is structured slightly differently, but your investment will typically either have a first or second legal charge on the property.
A first legal charge means CapitalRise investors will be in the first group to reclaim capital in the event of a forced sale of a property.
A second legal charge means CapitalRise investors will receive their capital after the first group.
We create a new dedicated subsidiary property company of CapitalRise for each investment which ring-fences each loan and investment. This property company provides the loan to the borrower and issues bonds to investors.
Being issued bonds by this dedicated company ensures your investment is ring-fenced from other CapitalRise investments. Should a loan in another deal default that will not impact your investment.
We will always make it clear on each opportunity where your investment lies.
You can find out more about how loans are structured and how this can impact how your investment is secured below.
We offer property developers different types of loans. You choose which type you invest in.
In these loans CapitalRise investors are the first lender. Normally senior loans will reach up to 60% Loan to Value (LTV) of the Gross Development Value of the property. That is the value we expect the property to be worth at the end of the loan. At a maximum LTV of 60% the property would need to drop in value by 40% before your capital investment would be at risk. We show the LTV on day 1 of the investment and at the end of the estimated exit date range of the investment, but the LTV can fluctuate during the term of the investment as the value of the property changes.
In these loans CapitalRise investors are the second lender. Loan-To-Value (LTV) will normally sit between 60 to 75%. As CapitalRise investors sit behind the senior lender, who are not other CapitalRise investors, you can generally expect a higher return for the slightly higher associated risk.
For each investment CapitalRise offers to investors we create a new dedicated subsidiary property company. The role of this property company is to provide the loan to the borrower that is funded through the issuance of bonds to investors.
Hover over each numbered block for more details.
Creating a new dedicated subsidiary property company for each investments means we can ringfence the activities associated with each investment opportunity.
This means that the performance of the underlying loan on one investment opportunity will not impact the performance of another.
CapitalRise uses pre-funders to ensure we can provide the borrower with the funds on the day they need them. Investors are then issued bonds by the dedicated subsidiary property company. The funds then repay the pre-funders.
CapitalRise is one of the pre-funders and the others are entities associated with us.
The dedicated subsidiary property company is the beneficiary of all the security associated with one particular investment.
This will include legal charges against properties investors are lending against. It can also include legal charges against other properties owned by the borrower and Personal Guarantees for example.
When a borrower repays their loan they do so to CapitalRise’s solicitor acting on behalf of the dedicated subsidiary property company.
The solicitor will then make payment to CapitalRise’s custodian who manages your Client Money (your funds that are not invested). CapitalRise then instructs the custodian to pay any due capital or accrued returns into each investor’s dedicated cash account.
Apply now - become an eligible investor
Do your due diligence to understand the risks
Choose from a range of opportunities and start investing.
