Online platform for prime property lending and investing. Invest from £1,000 and earn 8-12% p.a. Capital at Risk. #primeproperty #investments #propertylending
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LendingCapitalRise is an online platform for everyday investors to gain access to the finest quality real estate investment opportunities. Investor can select an investment, which has been pre-vetted by our experienced team; create an account and transfer funds; start earning investment returns; It is designed to make property investing simple. The principals behind CapitalRise come from top-tier backgrounds in property development, property investment, financial technology, law and finance. The company was initially founded by two principals from Finchatton – a specialist property development company with over £1bn of property investment experience – and Uma Rajah, a financial technology specialist. CapitalRise Ltd is an Appointed Representative of Sapia Partners LLP, which is authorised and regulated by the Financial Conduct Authority, registration number 550103. CapitalRise charges developers to raise funds through the platform. As experienced developers themselves, the co-founders have striven to ensure that the service is competitively priced for developers and cheaper than their traditional alternatives. Investors do not pay any fees.
CapitalRise’s mission is to disrupt the old way of investing in property and give investors easy and direct access to real estate investments of the finest quality which aim to generate attractive returns of 10-14% per year. Our investments have been located in iconic locations such as Eaton Square (Belgravia), Grosvenor Square (Mayfair), Knightsbridge and on the Strand.
CapitalRise was conceived by Alex Michelin and Andrew Dunn, who have spent the last 15 years acquiring, funding, developing and selling over £1bn of real estate in the most sought after locations in the UK and globally. During this time, they experienced first-hand how much time and money is wasted by both investors, in trying to get access to great real estate investments, and property entrepreneurs, in trying to raise funding. So they decide to create a solution and in 2015 created CapitalRise. I then joined as co-founder and CEO of CapitalRise bringing a wealth of experience in financial technology and have built a highly experienced team to passionately pursue our company’s mission.
They don’t yet have a secondary market but this is on their product roadmap for this year. If an investor would like to exit from their investment before the full term has expired we would endeavour to find an investor to buy their investment. There is a 3% fee for this service.
Investments are for a fixed period, typically 1-2yrs and the investors’ capital and return is normally repaid at the end. Should investors want to reinvest their funds at this point in an available deal we would enable customers to do this with ease.
Brexit has created uncertainty and uncertainty is not good for any business. However, CapitalRise has found that the fall in sterling has more than offset this perceived uncertainty and Prime London property is now much more attractive – cheaper for them in dollar terms – to overseas buyers and investors. Recent Knight Frank report quotes London as being 15% cheaper for buyers denominated in US dollars.
CapitalRise is a great investment depot in Europe for experienced investors looking to diversify and invest in the British real estate markets. But before making your investment, we always recommend our visitors to visit our platform rating page, and probably you will find some alternative platform that will satisfy your investment needs. Also, don't forget to leave your CapitalRise comments experience.
Are you considering CapitalRise but still have unanswered questions? Or maybe you are a seasoned CapitalRise investor, and you have a clear picture of the platform? Go ahead and post your questions or opinions below!
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IndustrialCapitalRise is an online platform for prime property lending and investing.
The platform disrupts the old way of investing in property to give everyday investors easy and direct access to real estate investments of the finest quality that generate attractive returns. By eliminating the middlemen, CapitalRise enables investors to earn from 8% to 12% per year.
Borrowers can expect competitive rates, quick decisions and funds within 24 hours once approved.
Capital is at risk and interest payments are not guaranteed. See key risks before investing.
Mission:
CapitalRise was set up with a clear mission: To disrupt the old way of investing in property and give everyday investors easy and direct access to real estate investments of the finest quality that generate excellent returns.
What are the bennefits of Capitalrise?
CapitalRise offer investors access to prime real estate investing opportunities. With tax-free returns available through our ISA, these investments fund some of the finest real estate in London and the Home Counties.
QUALITY OVER QUANTITY: We know the prime property sector inside-out and we will only ever offer you the finest investment opportunities. Our investments have an average LTV of 66%, security against the properties, and our founders invest their own money in every single deal.
OPENING DOORS: Investing into these types of opportunities has been hard. We’re changing that. With just £1,000, they’re now open to everyday investors.
THE PERSONAL TOUCH: Our investor and borrower experience is the hugely important factor for us. We offer a personal touch with all investments, reach us on the phone, live chat or come into the office and meet the team.
HOW INVESTING WORKS?
We open up prime property opportunities to everyday investors, with great returns. And we provide borrowers with efficient access to funds to develop property. Here’s a bit more information about how it works – and how you can get involved.
HOW INVESTMENTS HAPPEN?
Our team of in house experts carry out extensive due diligence on any property investment opportunity - with over 100 years' of combined experience you're in safe hands.
1 DEAL SELECTION: We receive numerous applications for loans from property developers. We carefully evaluate each one and select only the best opportunities. Our team analyse these opportunities against over 50 criteria - meaning only the most attractive pass the first stage.
2 CREDIT COMMITTEE: If a deal passes our due diligence process it will be analysed by our credit committee. This consists of highly experienced individuals with a combined experience of more than 100 plus years in the industry.
3 UNDERWRITING: Our borrowers want their loan as soon as possible so they can progress with their project. CapitalRise pre-funds the loan, along with any funding partners, before offering it to investors.
4 INVESTING: Exclusively for members, we post the investment opportunity on our platform. Within the deal room you can review all the relevant documentation and decide whether to invest. It only takes a few minutes.
5 DEAL CLOSURE: We provide regular quarterly updates on the invesment and at the end of the loan term the borrower will repay you, plus your returns.
OUR REVIEW PROCESS
Most property finance proposals do not pass the first stage of our stringent review process. We scrutinise every detail and only make the very best opportunities available to investors. Just 2% of the applications are accepted.
How we assess each opportunity?
OUR DUE DILIGENCE CHECKS ARE FOCUSED ON 4 KEYS AREAS:
We only lend to developers who have significant experience and a consistent proven track record of profitable financial performance with a high probability of success in the future.
We only offer properties that fit our prime criteria. These are the finest homes in the most sought after areas that have a consistently high market demand.
We only back proposals that have a clear and sensible business plan which makes financial sense. We then stress test that plan to ensure investors still get repaid if things take longer than forecast.
CapitalRise only backs proposals that have the appropriate profitability and rate of return to our investors for the risk being taken. Our average loan-to-value is 66% and we ensure your investment is secured by a first or second legal charge is secured against the property.
Our rigourous due dilligence checks are designed to minimise developer/default risk, however they do not eliminate it.
PROTECTING YOUR INVESTMENT
Investing in property means that there is a physical asset we are legally allowed to secure your investment against. Each loan is structured slightly differently, but your investment will either have a first or second legal charge on the property. A first legal charge means CapitalRise investors will be in the first group to reclaim capital in the event of a forced sale of a property. A second legal charge means CapitalRise investors will receive their capital after the first group. We will always make it clear on each opportunity where your investment lies. You can find out more about how loans are structured and how this can impact how your investment is secured below.
INVESTMENT RISK WARNING
Investing in property involves risks, including illiquidity - the inability to sell assets quickly or without substancial loss in value -, lack of dividends, loss of investment and disolution, and it should only be done as part of a diversified portfolio. Your capital is at risk.
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INVESTMENT RISK WARNING
Investing in property involves risks, including illiquidity - the inability to sell assets quickly or without substancial loss in value -, lack of dividends, loss of investment and disolution, and it should only be done as part of a diversified portfolio. Your capital is at risk.
INVESTMENT RISK WARNING
Investing in property involves risks, including illiquidity - the inability to sell assets quickly or without substancial loss in value -, lack of dividends, loss of investment and disolution, and it should only be done as part of a diversified portfolio. Your capital is at risk.
8 days ago
"Its a great forum and the investment gave me more than an ISA would!"
INVESTMENT RISK WARNING
Investing in property involves risks, including illiquidity - the inability to sell assets quickly or without substancial loss in value -, lack of dividends, loss of investment and disolution, and it should only be done as part of a diversified portfolio. Your capital is at risk.
