FLEXIBLE • ETHICAL • RESPONSIVE
An Independent, Privately-funded Secured Lender for Micro, Small Businesses & Property Professionals
124 CITY ROAD • CITY OF LONDON • EC1V 2NX
124 CITY ROAD • CITY OF LONDON • EC1V 2NX
Welcome to Evolve Lending Group, your trusted private principal lending partner.
We are a family-run private principal lending business dedicated to supporting trading businesses and property developers in the UK. We pride ourselves on being fast, efficient and reliable, with a goal to provide innovative financial solutions tailored to your needs.
Our unique lending products:
1
R-EVOLVE
Short & medium term revolving credit facilities releases for businesses looking to consolidate unsecured finance
Our unique R-EVOLVE Credit Facility is designed for trading businesses and property professionals needing a secured line of credit. This product offers flexible repayment options, including no monthly repayments, lower monthly repayments, or full capital and interest repayments as per the borrower’s choice. It can significantly improve cash flow and reduce interest costs compared to short-term unsecured loan providers.
KEY BENEFITS & PRODUCT DETAILS >
KEY BENEFITS
- Flexible Revolving Credit Facility (RCF) Terms | Up to 24-month initial RCF loan period with optional extensions
- Cost-Saving Promise | Reduce monthly repayments compared to unsecured short-term credit
- Flexible Financing | Ideal for developers needing a revolving credit facility or trading companies looking to consolidate high-interest short-term unsecured debt
- No Hidden Fees | No early repayment, overpayment, or ongoing legal/professional fees
- No Valuation Costs | We use AVMs or desktop valuations only and lend off OMV (Open Market Value)
- Post-Completion 2nd Charge Consent | Applicable when lending behind Prudential Regulation Authority (PRA) 1st charge mortgage lenders
- Dual Representation Legals | Results in speedy completions and less paperwork
- Bespoke Credit Process | No application forms to complete; direct to a mandated underwriter
PRODUCT DETAILS
- Loan Amount | £25,000 – £500,000 (higher limits available upon property sale agreement)
- Interest Rate | From 1.50% fixed per calendar month on drawn funds, 0.2% per month non-utilisation costs for the first 24 months only.
- Security | 1st, 2nd, or 3rd charge, up to 75% Gross LTV maximum on built-up residential and commercial properties only.
- Eligible Borrowers | Limited companies, sole traders, LLPs (including overseas or foreign nationals)
- Repayment | Optional monthly payments as long as the credit limit is not exceeded; interest chargeable on withdrawn funds.
- Term | 1-5 years (24-month flexi loan, with capital and interest repayments starting from month 25)
- Product Fee | From 2.5% of Gross Credit Limit (can be added to the loan)
- Dual Legal Fee | £Tbc +vat charged at cost
- Upfront Commitment Fee | £749 (refundable upon completion)
- Use of Funds | Working capital, debt consolidation of unsecured loans, or for property developers to pay transactional/planning fees.
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2
MICROBUILDER
Secured loans for UK property developers & investors seeking revolving credit facilities secured on existing properties
MICROBUILDER is your go-to solution for flexible, property-backed loans with the option to make early partial repayments at no extra cost. Whether you’re a property owner with low/modest LTV or an unencumbered property needing quick cash before selling or refinancing, or a trading business seeking a short- to medium-term loan to consolidate unsecured debt, MICROBUILDER has you covered.
KEY BENEFITS & PRODUCT DETAILS >
KEY BENEFITS
- Flexible Loan Terms | Borrow £25,000 – £350,000 for 1 day to 36 months.
- No Hidden Fees | No early repayment, exit, or valuation fees.
- Bespoke Application | No application forms; a bespoke and tailored credit process, direct to a mandated underwriter.
- Equitable Charges | We consider lending even when consent isn’t granted by the 1st charge mortgage lender.
- Foreign Nationals | Directors who are overseas and foreign nationals are welcome.
- No Valuation Costs | We use AVMs or desktop valuations only and lend off OMV (Open Market Value).
- Post-Completion 2nd Legal Charge Consent | Applicable when lending behind PRA 1st charge mortgage lenders, enabling speedy completions.
- Dual Representation Legals | Efficient completions, less paperwork, and reduced costs.
PRODUCT DETAILS
- Loan Amount | £25,000 – £350,000 (Higher amounts available on request)
- Term | 3 months to 36 months
- Interest Rate | From 1.5% per calendar month
- Product Fee | From 2.5% of Gross Credit Limit (can be added to the loan)
- Maximum LTV | Up to 72.50% on built residential and commercial properties
- Security | 1st, 2nd, or 3rd charge on residential property
- Exit Strategy | Bridging loan, re-mortgage finance, or sale of property
- Upfront Commitment Fee : £749 (non-refundable)
- Use of Funds | Cashflow, debt consolidation, stock purchasing, BTL refurbishment, HMRC repayment, bankruptcy settlement and annulment, and everything in between.
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CONTACT US
CONTACT US
PHONE
+44 (0) 203 289 9908
enquiries@evolvelending.co.uk
ADDRESS
124 CITY ROAD • CITY OF LONDON • EC1V 2NX
PRIVACY NOTICE AVAILABLE ON REQUEST
TK PROPERTY & CONSTRUCTION LTD T/A EVOLVE LENDING GROUP / FCA REGISTRATION: FRN974576 / DATA PROTECTION ICO NO: ZA587035 / COMPANIES HOUSE REGISTRATION NO: 10844207
EVOLVE Lending Group & its associated companies are private limited companies registered in England & Wales under company number 10844207. The group is registered with the Financial Conduct Authority (FCA) for anti-money laundering purposes under FRN 974576. Please note that Evolve Lending Group & its associated companies are not regulated by the Financial Conduct Authority (FCA). Activities such as business loans, corporate loans, bridging finance, & development finance do not constitute regulated investment activities under the Financial Services & Markets Act 2000. As a result, clients of Evolve Lending Group are not entitled to the protections provided by the FCA’s rules & are not eligible for compensation under the Financial Services Compensation Scheme (FSCS).
© 2024 EVOLVE Lending Group All rights reserved Site : Oro&Co.
PRIVACY NOTICE AVAILABLE ON REQUEST
TK PROPERTY & CONSTRUCTION LTD
T/A EVOLVE LENDING GROUP
FCA REGISTRATION: FRN974576
DATA PROTECTION ICO NO: ZA587035
COMPANIES HOUSE REGISTRATION NO: 10844207
EVOLVE Lending Group & its associated companies are private limited companies registered in England & Wales under company number 10844207. The group is registered with the Financial Conduct Authority (FCA) for anti-money laundering purposes under FRN 974576. Please note that Evolve Lending Group & its associated companies are not regulated by the Financial Conduct Authority (FCA). Activities such as business loans, corporate loans, bridging finance, & development finance do not constitute regulated investment activities under the Financial Services & Markets Act 2000. As a result, clients of Evolve Lending Group are not entitled to the protections provided by the FCA’s rules & are not eligible for compensation under the Financial Services Compensation Scheme (FSCS).
© 2024 EVOLVE Lending Group All rights reserved Site : Oro&Co.