Simple.
Smart.
Resilient Investing.
Simple. Smart. Resilient Investing.
We solved the funding risk problem
Traditional property finance relies on banks—and projects can fail if lenders withdraw. Rise Capital removes that risk entirely by lending directly to UK housebuilders using private capital only—secured in escrow and released only when certified by independent monitoring surveyors (IMS).
We solved the return inconsistency problem
Bank interest erodes returns. Our debt‑free syndicate model delivers fixed annual returns plus equity upside, directly aligned with project performance—and legally protected by first charges held via a Security Trustee.
We solved the transparency gap
Investors are often left in the dark. Our structure ensures every project is independently monitored, with monthly digital updates, robust legal security, and no day‑to‑day management required.
As featured in:
Rise Capital: Property Development Lender
We are not a developer—we are a specialist property development finance lender. Our role is to provide capital to third-party UK housebuilders, under robust controls—not via institutional credit lines or banks. This independence ensures our finance model remains resilient and investor-aligned.
How We Lend
The Story of Rise.
Our founder solved a 30-year problem in property finance (see below timeline) when he created Rise Capital. A bank-free, investor-first finance model, deliberately engineered to protect investors and empower developers.
Key Feature | How We Deliver It |
|---|---|
100% Private Capital | Full funding from investor syndicate. No banks. |
Legal Security & Governance | First legal charges, Escrow, Security Trustee |
Independent Oversight | IMS certified drawdowns and site reviews |
Aligned Incentives | Developers only profit after investors paid |
Transparent Investor Experience | Monthly portal updates and progress metrics |
Developer- Friendly & Investor-Aligned
Developers benefit from reliable, bank-free funding; investors gain fixed income, asset-backed security, and streamlined transparency—all without institutional intermediaries.
Property Development Finance Timeline (1990–2025)
1990s – Recession and Repossession
UK developers face a recession with interest rates peaking at 15%. Over-leveraging leads to mass defaults. Banks repossess viable assets.
2000–2007 – Credit Boom
Banks flood the market with cheap credit. High LTV loans are common, fueling aggressive expansion. Due diligence drops. Developers become dependent on refinancing.
2008–2012 – Financial Crisis & GRG Scandal
The 2008 crash exposes institutional risk. RBS’s GRG unit forces developers into default to seize assets. Thousands of projects collapse.
2013–2016 – Rise of Alternative Finance
With banks pulling back, bridging lenders and mezzanine finance fill the gap. High interest costs persist. Developers face tighter margins.
2016–2020 – Brexit & Pandemic Disruption
Brexit slows buyer demand and funding confidence. COVID-19 halts construction, increases risk, and delays sales and valuations.
2021–2023 – Inflation and Rising Rates
Post-COVID inflation spikes build costs. Interest rates rise, squeezing developer margins. Traditional lending becomes more restrictive.
2024 – Shift Toward Private Capital
Confidence in banks remains low. Non-bank and private capital become the preferred route for property development funding.
2025 – Rise Capital’s Debt-Free Model Leads the Market
A new era begins. Rise Capital’s investor-first, debt-free syndicate model gains traction, offering fixed returns, escrow protection, and aligned upside.
Who is Rise for?
Individuals
This includes Sophisticated Investors and High-Net-Worth (HNW) individuals who have substantial experience investing in similar asset-backed projects and understand the associated risks and potential returns involved.
Family Offices
This includes Single-Family Offices (SFOs), Multi-Family Offices (MFOs), and High-Net-Worth families seeking secure, transparent, and profitable investments aligned with their wealth preservation and growth strategies.
Wealth Managers
This includes Finance and Wealth Managers representing High-Net-Worth clients, seeking secure and diversified investment opportunities offering strong, stable returns.
3 Steps - Your simple pathway to property investing with Rise
Own your share of property success
Investing in Rise as a property development finance lender means you can become an equity partner in premium property developments, fully sharing in project profits. Simple, secure, and transparent — because your investment deserves great returns.
Why invest with Rise?
Multiple paths, one goal
Choose our Debt-Free Syndicate Investment Model (DFSIM) for predictable returns and 1st charge security, or go the Equity route for higher potential rewards.
Robust oversight & transparency
From professional due diligence to ongoing project monitoring, we keep you fully informed every step of the way—no surprises.
No banks, No fuss
We bypass external lenders entirely, meaning fewer hurdles, zero interest-rate drama, and clearer control over your capital.
Ethical & Shariah compliant
Our debt-free approach offers the removal of interest-based funding, aligning with faith-based principles and responsible investing.
