Specialist
Wholesale Finance
Scalable liquidity solutions for non-bank mortgage lenders. We provide secured warehouse facilities and forward flow arrangements to UK bridge lenders. We combine the capital depth of an institution with the commercial agility of a private partner.
We understand the constraints of origination because we have been there. We offer the funding certainty you need to scale your loan book without the bureaucracy of traditional institutional lines.
Agility & Speed
Streamlined onboarding and credit processes. We issue indicative terms within 48 hours and execute rapidly to ensure your lending flow is uninterrupted.
Flexible Covenants
We design facilities that reflect the reality of specialist lending, avoiding the rigid "computer says no" criteria of clearing banks.
Scalable Capital
Facilities designed to grow with your loan book. We provide the headroom you need to capitalize on market opportunities.
Partnership Approach
We view our borrowers as long-term partners. We support you through market cycles with a pragmatic, commercial mindset.
Trusted by
the Market
We support the growth of the UK’s most dynamic non-bank lenders.
£10m – £300m
Facility Sizes
£2B+
Assets Secured
Senior.Mezz.Whole
Position Focus
48hrs
Indicative Terms
Liquidity Solutions
Secured funding to unlock your origination potential.
We focus exclusively on providing senior secured debt to established and emerging non-bank lenders.
Warehouse Facilities
Revolving credit lines secured against a pool of mortgage assets. Ideal for bridging lenders requiring flexible liquidity to fund ongoing origination.
Forward Flow
Contractual agreements to purchase or fund loans at origination, providing lenders with immediate liquidity and balance sheet relief.
Specialist Block Discounting
Fixed-term funding secured against specific tranches of loan receivables, allowing for immediate capital release against existing loan books.
Commitment
Up to 5 Years
Advance Rates
Competitive LTVs against underlying collateral
Asset Classes
Residential Bridging, Commercial Bridge, Development
Track Record
£8.5M
Bridge Lending
Warehouse Facility
The Challenge
An established UK bridge lender with consistent origination volumes was constrained by warehouse availability and strict concentration limits within its existing bank funding lines. They required a new funding partner to support portfolio growth without compromising credit discipline.
The Solution
Fortacre structured a £65m secured funding facility against a defined pool of mortgage assets.
The Outcome
The facility provided the lender with scalable, asset-backed funding with realistic eligibility criteria. This enabled continued origination growth, liquidity visibility, and predictable risk-adjusted returns, allowing the client to double their monthly lending output within 12 months.
Leadership Team
Deep expertise in specialist credit and asset-backed origination.
Guy Harrington
CEO & Founder
Guy brings over 15 years of experience in asset-backed lending. Uniquely, he understands the borrower's perspective intimately, having built Glenhawk from the ground up into a £1bn AUM lender backed by global institutions. He established Fortacre to provide the type of flexible, pragmatic wholesale funding he wished existed when he was scaling his own lending platform.
Head of Structured Finance
Specializing in structuring complex warehouse facilities and securitization vehicles for non-bank lenders.
Head of Credit Risk
Overseeing collateral eligibility, portfolio monitoring, and risk architecture to ensure long-term stability for both Fortacre and our lending partners.
Funding Enquiries
Looking to scale your loan book? Speak with our structured finance specialists about a wholesale facility.
Phone
Find Us
Mayfair, London
Confidential Consultation
All enquiries are handled with complete discretion. Our specialists are available for confidential consultations outside standard hours.