Evolve Lending Group

FLEXIBLE • ETHICAL • RESPONSIVE

An independent, privately-funded secured lender for micro and small businesses, entrepreneurs, and property professionals seeking trusted, intelligent finance.

In Exclusive Partnership with

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 PRODUCTS

1 THE REVOLVER

Revolving credit facility

A market-leading, built-from-the-ground-up secured line of credit ideal for property developers, trading businesses, and brokers seeking flexible, reusable working capital.

CLICK HERE FOR KEY BENEFITS & PRODUCT DETAILS >

KEY BENEFITS

No Minimum Term | Draw and repay at your pace without lock-in penalties.
Lending Basis | Market value (not forced-sale or purchase price).
Legals | Dual representation on 1st-charge cases; title indemnity & no-search insurance available.
Repayment Flexibility | Rolled-up interest, monthly/quarterly servicing, or bespoke amortisation per business plan.
Eligible Security | England and Wales for residential, semi-commercial, and commercial properties (min. 75-year leasehold).
Borrowers | Individuals (for business purposes) and limited companies; foreign nationals welcome.
Guarantee | Personal guarantee for 100% of facility or 50% if a 1st legal charge is available.
Credit Checks | CCJs & insolvencies considered; may influence approval and pricing.
Restrictions | No development or construction finance; 2nd legal/equitable charges only if primary
charge holder is PRA-registered (max 75% LTV).

SPECIFICATIONS

Loan Size	£75,000 - £1,000,000
Maximum LTV	Up to 75% of open-market value
Interest Rate	From 0.95% pcm on drawn balance
Arrangement Fee	From 2.5% of facility
Commitment Fee	£750 on terms acceptance
Maximum Term	Up to 36 months (extensions on request)
Early Repayment	No ERCs; exit fees only for late repayment
Valuation	AVM/desktop + site visit
Security	1st/2nd legal charges and Equitable charge option
Legal Coverage	Standard 1st-charge legal fees covered

All lending is subject to status, credit approval, valuation, and legal due diligence. Terms, fees, and LTVs may vary by case.

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2 THE ENABLER

Flexible 1st/2nd-charge & equitable charge finance

A market-leading, bespoke facility for trading UK trading SMEs and property developers, designed to support business expansion, light refurbishment, or debt consolidation when traditional 1st-charge options aren’t available.

CLICK HERE FOR KEY BENEFITS & PRODUCT DETAILS >

KEY BENEFITS

No ERCs or Exit Fees | No penalties for early repayment.
Lending Basis | Market value (not forced-sale or purchase price).
Legals | Title indemnity & no-search insurance options; dual representation not required.
Rates | From 0.95% for first charge, from 1.25% pcm on 2nd charge, from 1.5% pcm for 2nd
equitable charge.
Borrowers | Individuals (for business purposes) and limited companies; foreign nationals welcome.
Guarantee | Personal guarantee required for 100% of facility.
Credit Checks | CCJs & insolvencies considered; may influence approval and pricing.
Restrictions | No development or construction finance; 2nd-charge only if primary charge holder is PRA-registered (max 70% LTV).

SPECIFICATIONS

Loan Size	£25,000 - £2,500,000
Maximum LTV	Up to 75% of open-market value
Interest Rate	From 0.95% pcm on drawn balance
Arrangement Fee	From 2% of facility
Commitment Fee	£750 (refundable on completion)
Maximum Term	Up to 24 months (extensions on request)
Repayment Flexibility	Retained interest
Valuation	AVM/desktop + site visit
Security	1st charge, 2nd charge or Equitable charge
Legal Coverage	Standard 1st-charge legal fees covered

All lending is subject to status, credit approval, valuation, and legal due diligence. Terms, fees, and LTVs may vary by case.

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3 THE stabiliser

Bridge-to-term loan

A market-leading bridging facility designed for commercial/semi-commercial, HMOs & standard BTL residential assets to stabilise income-producing property before securing mainstream finance. Ideal for first-time landlords building track record or any owner—occupier commercial office needing a flexible bridge to high-street refinancing.

CLICK HERE FOR KEY BENEFITS & PRODUCT DETAILS >

KEY BENEFITS

No ERCs | No penalties for early repayment.
Lending Basis | Market value (not forced-sale or purchase price).
Legals: | Dual representation; title indemnity & no-search insurance available.
Legal Fees | Lender’s standard legal costs covered; borrower’s counsel to have ≥ 2 partners.
Eligible Security: | England and Wales for residential, semi-commercial, and commercial properties
(min. 75-year leasehold).
Insurance & Reports | Buildings & business insurance, fire risk & asbestos reports,
EPC certificate required.
Borrowers | Individuals (for business) and limited companies; foreign nationals welcome.
Guarantee | Personal guarantee at 50% of gross loan.
Credit Checks | CCJs & insolvencies considered; may affect approval and pricing.
Restrictions | No development or construction finance.

SPECIFICATIONS

Loan Size	£150,000 - £2,500,000
Maximum LTV	Up to 70% of open-market value
Interest Rate	From 0.90% pcm on drawn funds
Arrangement Fee	From 2.5% of gross loan
Commitment Fee	£750 (refundable on completion)
Maximum Term	Up to 36 months (extensions on request)
Valuation	Full RICS survey by approved surveyors
Security	First legal charge only
Legal Coverage	Standard lender legal fees covered

All lending is subject to status, credit approval, valuation, and legal due diligence. Terms, fees, and LTVs may vary by case.

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JPC

Strategic Legal Partnership

Evolve Lending Group is proud to have formed a trusted affiliate partnership with JPC (www.jpclaw.co.uk), our long-standing legal advisers, offering Effective Legal Intelligence. Our relationship is built on the shared values of hard work, professionalism, and expertise, ensuring our clients benefit from robust legal insight and trusted guidance throughout every stage of the lending process.

CONTACT US

PHONE

+44 (0) 203 289 9908

EMAIL

enquiries@evolvelending.co.uk

ADDRESS

124 CITY ROAD • CITY OF LONDON • EC1V 2NX

Legal Status & Registration

Evolve Lending Group is a commercial lender, not a credit broker. Evolve Lending Group is a trading style of Evolve Group Holdings Limited and its wholly-owned associated subsidiaries.

Company Registration: Registered in England & Wales under Company Number 16314057.
Registered Office: C/O Launch Accounts Ltd, The Landing by Spacemade, Tileman House, 131 Upper Richmond Road, London, SW15 2SH.
FCA AML Status: Evolve Group Holdings Limited is registered with the Financial Conduct Authority (FCA) as an Annex 1 financial institution under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (FCA Financial Services Register FRN: 1056018).

Regulatory Perimeter & Disclaimers

Evolve Group Holdings Limited and its associated group companies are private limited companies registered in England & Wales. Activities such as business loans, corporate lending, commercial bridging finance, and development finance provided by the firm do not constitute regulated activities under the Financial Services and Markets Act 2000 (FSMA).

As a result, borrowers and commercial clients of Evolve Lending Group do not fall within the scope of FCA conduct rules for consumer credit and are not eligible for recourse through the Financial Ombudsman Service (FOS) or compensation under the Financial Services Compensation Scheme (FSCS).

Copyright & Site Credits

Legal Status & Registration

Evolve Lending Group is a commercial lender, not a credit broker. Evolve Lending Group is a trading style of Evolve Group Holdings Limited and its wholly-owned associated subsidiaries.

Regulatory Perimeter & Disclaimers