Short-term capital for UK companies, arranged with discretion.

Access short-term commercial and property finance through a private lending network. Decisions made quickly, terms issued against committed capital, and deals completed in days, not weeks.

Request Terms

Request Terms

Our Process

Our Process

Facility Size

£250k – £10M

+

Typical Terms

1 – 6 Months

+

Time to Fund

3 – 10 Days

+

Every Facility

Always Secured

We arrange secured, short-dated finance for UK limited companies, structured quickly, backed by committed private capital, and delivered without unnecessary delay.

We arrange secured, short-dated finance for UK limited companies, structured quickly, backed by committed private capital, and delivered without unnecessary delay.

We arrange secured, short-dated finance for UK limited companies, structured quickly, backed by committed private capital, and delivered without unnecessary delay.

Our Process

[ 01 -04 ]

Step 01

Enquiry & Review

Every project begins with detailed research and a structured, data-led approach. We assess your requirements, objectives, and financial position to build a tailored strategy designed to deliver efficient, reliable outcomes aligned to your goals.

Step 01

Enquiry & Review

Every project begins with detailed research and a structured, data-led approach. We assess your requirements, objectives, and financial position to build a tailored strategy designed to deliver efficient, reliable outcomes aligned to your goals.

Step 01

Enquiry & Review

Every project begins with detailed research and a structured, data-led approach. We assess your requirements, objectives, and financial position to build a tailored strategy designed to deliver efficient, reliable outcomes aligned to your goals.

Step 02

Terms & Structure

Clear headline terms are issued in writing, outlining loan amount, term, interest rate, fees, and security. You receive a transparent summary of the facility, ensuring full understanding before moving forward with committed funding.

Step 02

Terms & Structure

Clear headline terms are issued in writing, outlining loan amount, term, interest rate, fees, and security. You receive a transparent summary of the facility, ensuring full understanding before moving forward with committed funding.

Step 02

Terms & Structure

Clear headline terms are issued in writing, outlining loan amount, term, interest rate, fees, and security. You receive a transparent summary of the facility, ensuring full understanding before moving forward with committed funding.

Step 03

Legals & Documentation

All documentation is prepared and agreed by relevant parties. Solicitors draft the facility agreement and supporting security documents, ensuring the structure is fully formalised and all terms are confirmed prior to execution.

Step 03

Legals & Documentation

All documentation is prepared and agreed by relevant parties. Solicitors draft the facility agreement and supporting security documents, ensuring the structure is fully formalised and all terms are confirmed prior to execution.

Step 04

Signing & Funding

Once documentation is signed and security is in place, funds are released promptly. The transaction is completed efficiently, with capital deployed according to agreed terms, allowing you to move forward with confidence and clarity at every stage.

Step 04

Signing & Funding

Once documentation is signed and security is in place, funds are released promptly. The transaction is completed efficiently, with capital deployed according to agreed terms, allowing you to move forward with confidence and clarity at every stage.

Step 04

Signing & Funding

Once documentation is signed and security is in place, funds are released promptly. The transaction is completed efficiently, with capital deployed according to agreed terms, allowing you to move forward with confidence and clarity at every stage.

No Committees

One desk. One decision-maker. No layered approvals or internal delays.

No Committees

One desk. One decision-maker. No layered approvals or internal delays.

No Committees

One desk. One decision-maker. No layered approvals or internal delays.

Same-Day Answer

If a deal does not fit, we say so immediately. No drawn-out processes.

Automation that saves.

If a deal does not fit, we say so immediately. No drawn-out processes.

Same-Day Answer

If a deal does not fit, we say so immediately. No drawn-out processes.

Plain Terms

Every fee, condition, and requirement is disclosed upfront, before legal work begins.

Plain Terms

Every fee, condition, and requirement is disclosed upfront, before legal work begins.

Who we work with.

Our capital is committed before we confirm terms. We do not circulate deals or seek funding after issuing terms.


If we say we can arrange a facility, it means the capital is already aligned, and the transaction can proceed.


No “subject to funding.” No uncertainty at completion.

“A small pool of private capital. Family offices, high-net-worth individuals, and select institutional partners. All private. All under NDA.”

Image

The Caversham Board

Who we work with.

Our capital is committed before we confirm terms. We do not circulate deals or seek funding after issuing terms.


If we say we can arrange a facility, it means the capital is already aligned, and the transaction can proceed.


No “subject to funding.” No uncertainty at completion.

“A small pool of private capital. Family offices, high-net-worth individuals, and select institutional partners. All private. All under NDA.”

Image

The Caversham Board

Clear boundaries. Faster decisions.

Lending Criteria

We operate within a defined lending perimeter. If your transaction fits, we can move quickly. If it doesn’t, we’ll tell you immediately. No delays, no ambiguity.

We Lend To

UK limited companies and LLPs

Clear commercial purpose for funding

Secured transactions (property or debenture)

Facilities between £250,000 and £10,000,000

Short-term requirements (typically 1–6 months)

Borrowers with a defined exit strategy

We Do Not Lend To

Individuals or sole traders

Consumer or personal lending

Residential property transactions

Unsecured lending

Long-term or speculative positions

Deals without a clear repayment route

Caversham Group arranges secured commercial loans for UK limited companies and limited liability partnerships only. We do not lend to, or accept enquiries from, private individuals, sole traders, or consumers. All loans are made for business purposes and are not regulated by the Financial Conduct Authority. The Consumer Credit Act 1974 does not apply to lending to corporate bodies for business purposes.


This website is directed solely at UK limited companies and LLPs seeking commercial finance. It does not constitute a financial promotion within the meaning of section 21 of the Financial Services and Markets Act 2000 and is not directed at any person who would be classified as a consumer. Nothing on this website constitutes an offer of credit, investment advice, or a solicitation to invest. All facilities are subject to underwriting, satisfactory security, independent valuation, and legal due diligence. Figures, timelines, and transactions referenced on this website are illustrative and are not binding.


Specific rates, fees, and conditions are set out in loan documentation on a case-by-case basis. Failure to meet repayment obligations may result in enforcement of security, including the sale of charged assets or property. Borrowers are strongly advised to take independent legal, tax, and financial advice before entering into any loan agreement.