Specialist property finance, built around brokers.
CapitAll combines broker-originated deal flow with experienced underwriting, central credit control and disciplined capital deployment.
Our model is designed to keep the broker relationship at the front of the transaction while credit, execution and loan management remain firmly controlled by the lender.
Richard Whitehouse
DirectorRichard has more than 28 years' experience across alternative finance and specialist lending, including credit structuring, lending operations, capital partnerships and scaling specialist finance platforms.
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Daryl Thorpe
DirectorDaryl has over 30 years' experience in specialist lending and alternative finance, having founded, built and scaled lending platforms across secured and unsecured sectors. He is also Principal of SBL Capital, which focuses primarily on UK property-backed mezzanine development finance.
View LinkedInSpecialist lending is built on relationships.
Borrowers often reach specialist lenders through trusted advisers. CapitAll is structured around that reality rather than treating the broker as a one-off source of introductions.
The market problem
Brokers own and manage the borrower relationship, but lenders can still treat them as one-off referral sources. Brokers are often expected to support both lender and borrower throughout the loan cycle without sharing appropriately in the longer-term economics.
The CapitAll answer
Brokers originate suitable opportunities and remain close to the borrower. CapitAll underwrites, structures, funds, services and controls each loan through a central credit framework.
The CapitAll lending model.
A clear division of responsibility: broker relationship at the front, with underwriting, credit control and loan management behind it.
Brokers originate
Borrower relationship, transaction context and initial deal packaging.
CapitAll underwrites
Borrower, asset, valuation, security, leverage, legal position and proposed exit.
Capital is deployed
Funding is structured around the approved transaction, security and agreed loan terms.
Loans are managed
Servicing, monitoring, variations, redemptions, arrears and recoveries remain under lender control.
How CapitAll is different.
The distinction is structural: origination, underwriting and ongoing loan management are designed to remain aligned throughout the transaction.
Traditional lender model
- Competes for broker attention through BDMs and rate cards
- Broker is often paid once and expected to find the next case
- Origination and credit risk can become disconnected
- Servicing feedback rarely influences future origination behaviour
The CapitAll model
- Built around broker-originated specialist property finance
- Credit decisions remain central, documented and controlled
- Broker economics are designed around alignment and performance
- Servicing and monitoring remain under lender control
Built around the way property finance deals are actually won.
Whether you are a broker with a case to place or a borrower with a property finance requirement, send us the details and we will assess whether the transaction fits CapitAll's lending criteria.