POSFIN CAPITAL | Private Secured Lending

Loan Options

Two products. One objective:
get you funded.

Choose the product that fits your timeline. Both secured against UK residential property with interest rolled up — no monthly payments.

Direct Lender

Speed Loan

The fastest route to capital under £100k. Funded from our private lending book in 3–5 business days with zero upfront costs. Ideal for auction purchases, chain breaks, urgent capital needs, and borrowers who need speed without the overhead of a full bridging facility.

Zero Upfront Costs Rollover Available

Loan Size

£26k – £100k

Funded In

3–5 Days

LTV

Up to 50%

Term

3–6 Months

Rollover

Yes, subject to LTV

Charges

1st or 2nd

Repayments

None (Rolled Up)

Upfront Costs

£0 — Zero

Brokered

Main Loan

Facilities from £100k brokered through our panel of specialist lenders. Completion typically in 10–21 days. Competitive rates for property investment, refurbishment, development, or business capital. Bullet repayment at term end. Need less than £100k? Our Speed Loan is the faster, zero-upfront-cost route.

Loan Size

£100k – £5m

Completion

From 10 Days

LTV

Up to 75%

Term

12–24 Months

Charges

1st or 2nd

Repayments

None (Rolled Up)

Get Started

See if you qualify in under 2 minutes.

Complete the quick assessment below. We'll review your details and come back to you with options — usually within hours.

1. Your Details

2. Property

3. Loan Needs

4. Review

Let's start with your details

We'll use these to get back to you with options. Your information is kept strictly confidential.

First Name *

Last Name *

Mobile Number *

Email Address *

Preferred Contact Method

Credit Profile (Self-Declaration) *

Select the option that best describes your situation. This helps us match you to the right product — all profiles are welcome.

✓ Contact details captured

Tell us about the property

This helps us assess your equity position and what you could borrow.

Property Address (or Postcode) *

Estimated Property Value (£) *

Property Type

Current 1st Mortgage Balance (£) *

Are you in arrears on the 1st mortgage?

Arrears Amount (£)

We calculate your LTV using the clean mortgage balance (excluding arrears). Arrears will be disclosed separately to the lender.

Any Existing 2nd, 3rd or Other Secured Charges? (£ total)

Include all existing secured charges — 2nd, 3rd, 4th charges, charging orders, restriction notices, and any other registered interests against the property title.

CURRENT LTV (CLEAN BALANCE)

MAX BORROWABLE (70% LTV)

£0

70%

Clean 1st Mortgage

£0

Total Secured Debt

£0

Total Equity

£0

✓ Contact & property captured

What do you need?

Tell us about the loan you're looking for so we can match you with the right product.

Amount to Borrow (£) *

How Quickly Do You Need It?

Loan Product Interest

I'm interested in a Back-to-Back option Speed + Main

We can secure your Main Loan terms first for peace of mind, then fund a Speed Loan to bridge you while the main facility completes. The Main Loan automatically repays the Speed Loan — no double debt. Additional costs apply.

Configure Speed Loan

Select how much you need upfront and your situation below. We'll show you the most cost-effective option.

Zero upfront costs on Speed Loans

All fees, interest, and charges are deducted from the loan at drawdown — nothing to pay out of pocket. Unlike a Main Loan which typically requires a £500 broker advance, solicitor costs, and valuation fees before completion.

Rollover available at term end

Need more time? Speed Loans can be rolled over for an additional 3 or 6 months at the end of your term, subject to equity remaining within 50% LTV. No re-application — just an extension.

Graduate to a Main Loan

Borrowing under £100k? Start with a Speed Loan, then transition to a brokered Main Loan facility when you're ready for a longer-term solution. We handle the entire refinance — you're already on our book.

Speed Loan Amount

What's your situation?

Refinancing to a Main Loan RECOMMENDED

3 months

Best value. We process your Main Loan refinance within 3 months, which automatically repays the Speed Loan. Total combined term: 3 + 12 = 15 months of facility cover. Also the ideal route for loans under £100k that need longer-term finance — start with Speed, graduate to Main.

Selling / Short-term exit

6 months

If you're selling the property or have another defined exit, 6 months gives you time without needing a second loan. Higher cost but simpler structure — one loan, one exit. Can be rolled over for a further 3–6 months if needed (subject to LTV).

Purpose of Loan

How Did You Hear About Us?

Anything Else? (Optional)

Review your enquiry

Check the details below and hit submit. We'll be in touch shortly.

By submitting this enquiry you consent to Posfin Capital Limited contacting you by phone, SMS, WhatsApp, and email regarding secured loan products. Your data is processed in accordance with our Privacy Policy. Your property may be repossessed if you do not keep up repayments on a loan secured against it.

✓

Enquiry Received

Thank you. A member of our team will review your details and contact you — usually within a few hours during business days.

Want an even faster response?

Message Us on WhatsApp

Private Secured
Lending, Delivered
at Speed

Two products. One objective:
get you funded.

Speed Loan

Main Loan

From enquiry to funded.
No wasted time.

Trusted by borrowers across the UK.

See if you qualify in under 2 minutes.

Call us or message
on WhatsApp

Private SecuredLending, Deliveredat Speed

Two products. One objective:get you funded.

Speed Loan

Main Loan

From enquiry to funded.No wasted time.

Trusted by borrowers across the UK.

See if you qualify in under 2 minutes.

Call us or messageon WhatsApp

Private Secured
Lending, Delivered
at Speed

Two products. One objective:
get you funded.

From enquiry to funded.
No wasted time.

Call us or message
on WhatsApp