Capital Deployed
Funding with Purpose. Backed by Expertise.
Capital 3 provides bespoke funding solutions across the capital stack, acting as a principal lender, investor, and financier. We work closely with SME developers, land promoters, and aggregators to underwrite and bring to life development, stabilisation, and acquisition strategies.
Our approach is defined by pace, efficiency and strategic objectives of each deal. Whether funding a single asset or a diversified portfolio, we structure capital to suit the project’s profile and risk-return objectives. We deploy capital directly through proprietary funding lines or raise it via our established network of high-net-worth individuals, family offices, challenger banks, private equity funds, and institutional providers.
Tailored Structures Across the Capital Stack
We provide strategic capital through in-house funding lines and a trusted network of private and institutional partners. Whether funding a single project or a broader portfolio, our solutions are built around pace, alignment, and return efficiency.
Built For Impact
Our Funding Products
We offer a comprehensive range of funding solutions to meet the needs of developers, promoters, and aggregators at every stage of the project lifecycle.
EARLY STAGE
Land Planning Play
Short-term capital to support landowners and promoters in securing planning gain.
- Sponsor: Land Promoter / Developer
- Contact Type: Option / Promotion agreements, unconditional purchase
- Purpose: Planning and professional fees, Acquisition costs
- Term: 12 with option to extend
- Use Class: All
- Geography: UK wide, around major cities and selective locations
- Capital Structure: Debt and Equity
- Exit: Sale or Refinance
SMART LEVERAGE
Debt
Efficient debt structures designed to optimise equity exposure and accelerate delivery.
Mezzanine Debt
- Borrower: Developer/Landlord
- Purpose: Acquisition costs, Professional fees, CAPEX, Refinance, Equity release
- LTGDV/LTV: up to 75%
- LTC: up yo 90%
- Ticket size: £250,000 – £2,750,000
- Term: up to 24 months
- Use Class: All
- Geography: UK
Revolving Credit Facility (Revolver)
- Borrower: Developer / Trading company
- Contact Type: Secured Revolving Credit Facility for micro / SME businesses
- Purpose: Business needs
- LTGDV: N/A
- LTV: up to 75%
- Ticket size: up to £1,500,000
- Term: up to 24 months
- Use Class: All
STRATEGIC SUPPORT
Corporate Finance
Assisting companies in structuring their finance in order to achieve business goals using most efficient and flexible capital solutions with:
- Working capital funding
- M&A transaction funding
- Credit facility funding for SME lenders
- Sell Side Advisory
- Buy Side Advisory
- Capital Structuring Advisory
SHARED GROWTH
Equity
We provide equity funding directly through our own vehicles or in partnership with aligned capital sources, such as family offices, high-net-worth individuals and institutional investors. This approach ensures efficient structuring and long-term alignment with each project’s objectives.
LP & JV Funding
- Sponsor: Developer
- Contact Type: N/A
- Purpose: Acquisition costs, Professional fees, CAPEX
- LTC: up to 90% of equity requirement
- Ticket size: up to £3,000,000
- Use Class: All
- Geography: UK, Europe, USA
- Capital Structure: Mezzanine Loan or Preferred Equity
- Exit: Sale
Aggregator Capital
- Sponsor: PropCo + OpCo business
- Purpose: Portfolio aggregation
- LTC: up to 100% of equity requirement
- Ticket size: N/A (smaller transactions)
- Term: Long-term
- Use Class: All
- Geography: UK, Europe, USA
- Capital Structure: Ordinary Equity
- Exit: Sale or Refinance
ADAPTIVE CAPITAL
Special Situations
We support atypical, distressed, or high-upside scenarios where conventional capital doesn’t fit with:
- Non-performing loans (NPLs)
- Debt workout strategies
- Emergency funding
- Recapitalisation
- GP & JV capital requirements
- Litigation fundings
Our Process
Our Funding Process Overview
A clear, step-by-step process ensuring every project is thoroughly assessed, securely executed, and closely monitored — from initial enquiry to final repayment.
Enquiry
Meeting with borrowers, sponsors, or brokers to receive an introduction to the project.
01
Assessment
A detailed overview of the project is provided, followed by an internal assessment to evaluate its potential and alignment with funding criteria.
02
Indicative Terms
If the project qualifies, indicative terms are issued, outlining the proposed funding structure and key conditions.
03
Commitment Fee
Upon acceptance of the indicative terms, a commitment fee is paid to initiate the underwriting phase.
04
Underwriting
Comprehensive due diligence includes independent valuations, budget reviews, legal checks, and property assessments, with facility and security documents prepared by legal counsel.
05
Funding
Funds are released once underwriting is successfully completed, all conditions precedent are satisfied, and legal documentation is executed.
06
Monitoring
The project’s progress is actively monitored with regular reporting and site visits to ensure compliance with agreed milestones.
07
Repayment
Repayment of principal and distribution of returns are completed in accordance with the business plan, typically at the point of sale or refinancing of the project.
08
Beyond Capital
Structured. Active. Aligned.
We go beyond capital provision. Each transaction is underwritten, structured, and actively managed by our team — ensuring alignment, transparency, and long-term performance.
We support with:
Transaction Underwriting – In-house feasibility, credit, and risk evaluation
Investment Structuring – Bespoke capital stack design
Debt & Equity Deployment – Either via our own lines or external networks
Capital Stack Refinancing – Support for recapitalisation or exits
Deal Monitoring – Ongoing engagement during delivery phase
Investor Reporting – Structured updates and transparent performance data