The borrowing process

It’s simple and painless.

Just pick up the phone to chat through your proposal. If the deal fits our lending policy we'll ask you to email further details, run the numbers and then come back to you with our initial suggestions.

If you like what you see, we'll formalise the terms and engage with the senior lender to assemble the capital stack. If you don't have a senior lender, we can arrange one for you from our panel of trusted funders comprising banks and debt funds, all of which are specialist property lenders.

After Credit Committee approval we'll publish the deal on the platform and invite investors to participate. Once sold out, external due diligence will be carried out by our professional advisers.

The whole process will typically take 4-8 weeks depending on complexity and deal size (although we have gone from start to drawdown in less than 2 weeks on more than one occasion).

We will not undertake any credit reference checks until we're ready to proceed with your loan application. In anticipation of a formal credit submission, we'll email you a link to open a borrower account on the platform. The process shouldn't take you more than 5 minutes.

We will need to complete onboarding KYC checks on all directors and shareholders with more than a 20% shareholding. These checks are done online but occasionally we might need to ask for proof of ID and/or address.

CapitalStackers Limited is authorised and regulated by the Financial Conduct Authority (FRN:722549). Registered in England (Co. No. 7361691). Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other crowdfunding platforms are not covered by the Financial Services Compensation Scheme. To read more about risks, click here.