CrowdProperty is a UK lender focused on SME property developers. It funds development, refurbishment and short-term bridging loans using a mix of institutional capital and regulated peer-to-peer investment. At the time of writing (October 2026), its website shows development finance up to £10m at up to 70% of gross development value (GDV), and bridging and finish-and-exit loans up to 75% loan-to-value. Bridge & Build Finance is an independent broker and is not part of CrowdProperty, so we can compare its terms with other development lenders. You can read more on CrowdProperty's own website.
About CrowdProperty
CrowdProperty says it was founded in 2013 and describes itself as a specialist property development lender providing senior secured development finance. It says it has funded around £1bn of property development projects. It is authorised and regulated by the Financial Conduct Authority for its investment activity, and says it has held FCA authorisation since 2017.
Its loans are funded by institutional capital and by individual investors through its regulated peer-to-peer platform. For borrowers this means a normal secured loan: you deal with CrowdProperty as the lender, with monitoring of the build and staged drawdowns in the usual way.
CrowdProperty is one of the lenders we compare for development finance, refurbishment finance and development exit loans.
What CrowdProperty funds
CrowdProperty's products cover the full life of a small or mid-sized residential scheme.
| Product | What it is for | Key limits (October 2026) |
|---|---|---|
| Development finance | New build and major projects | About £250,000 to £10m, up to 70% of GDV and up to 100% of development costs |
| Heavy refurbishment | Structural works and conversions | Up to 70% of GDV |
| Light refurbishment | Non-structural improvements | Up to 70% of GDV, up to 100% of refurbishment costs |
| Bridging and auction | Purchases and refinancing | Up to 75% LTV |
| Finish and exit | Completed or near-complete schemes | Up to 75% LTV |
| HMO and co-living | Purchase and works | 6 to 18 months |
Its site also refers to airspace developments, modern methods of construction, commercial-to-residential, barn and HMO conversions, joint ventures and mezzanine finance for experienced developers. Across the platform it says the lower loan limit is £100,000 and the upper limit £10m.
CrowdProperty's bridging and development exit sheet for England and Wales adds more detail: loans of £100,000 to £5m (larger on referral), terms of 3 to 24 months, conversions, refurbishments and extensions, and finish and exit once a scheme is wind and watertight. That line does not cover ground-up builds, which go through the development product. CrowdProperty may also consider a planning gain bridge, a short-term loan to buy land or a building before planning consent is granted, case by case. It does not publish criteria for this product, so leverage and terms depend on the case.
Who CrowdProperty suits (and who it may not)
CrowdProperty tends to suit:
- SME developers building or converting small to mid-sized residential schemes.
- Developers wanting one lender to fund purchase, works and exit on a refurbishment or conversion.
- Builders nearing completion who need a development exit loan to repay build debt while units sell.
- Sole traders, partnerships and limited companies, including SPVs.
- Less experienced developers with a strong professional team, which its bridging and exit sheet says it may back.
It may not suit very large schemes above £10m, rural property, or projects where a single unit is worth more than £3m. Its bridging and exit lending is for England and Wales only, and the property cannot be the developer's own home or be occupied by the developer during the loan, so regulated borrowers need a different lender. Its website notes a preference for experienced developers on development finance.
What CrowdProperty looks at
CrowdProperty says all projects are considered case by case. Its bridging and exit criteria give a good sense of what it checks:
- Principals over 21 (25 for first-time developers) with a good credit profile.
- A RICS valuation of current value and GDV.
- Cost of works below 50% of GDV on refurbishment and conversion cases.
- For mixed-use buildings, residential space making up at least half of the floor area.
- Unit values in line with the local market, with leverage reduced for very high-value units.
Security is a first charge over the project property, typically with a personal guarantee and a debenture. CrowdProperty uses independent monitoring surveyors to report on the project before drawdowns are released. Interest can be retained, rolled up or serviced depending on the project.
Pros and cons
Pros
- Development finance up to 70% of GDV and up to 100% of development costs.
- Covers new build, conversion, refurbishment, bridging and finish-and-exit.
- May consider first-time developers with a strong team.
- Accepts sole traders and partnerships as well as SPVs.
- Established since 2013, with around £1bn of projects funded, it says.
Cons
- No regulated lending, so not for homeowners or self-builders living on site.
- Bridging and exit line limited to England and Wales.
- No rural property and limits on very high-value units.
- Arrangement and exit fees apply, so compare the total cost.
Going through a broker vs going direct
You can propose a project directly through CrowdProperty's website. Comparing first matters because development lenders vary in leverage, how they treat contingency and professional fees, how often they release drawdowns and what they charge on exit. A scheme that fits CrowdProperty well may still price better elsewhere, and the reverse is also true.
We search the market, put your appraisal in front of suitable lenders and manage the process through to completion. It is free to enquire, and any broker fee is disclosed before you proceed.
Alternatives to CrowdProperty
- Blend Network: another platform-based lender funding SME developers.
- Assetz Capital: lends on development and bridging using investor and institutional funds.
- Relendex: a platform lender for property bridging and development.
- LendInvest: a larger specialist lender with development and bridging products.
- Maslow Capital: development lending for larger residential schemes.
Common questions
How much can CrowdProperty lend for a development?
At the time of writing (October 2026), CrowdProperty says it funds development projects up to £10m, at up to 70% of GDV and up to 100% of development costs. Its platform-wide minimum is £100,000.
Does CrowdProperty lend to first-time developers?
Its bridging and exit criteria say it will back first-time developers who have a strong team around them. Its website also says it prefers experienced developers, so expect close scrutiny of the team and appraisal.
Is CrowdProperty a peer-to-peer lender?
CrowdProperty funds loans through institutional capital and its regulated peer-to-peer investment platform. As a borrower you take a standard secured loan from CrowdProperty.
Does CrowdProperty offer development exit loans?
Yes. Its finish-and-exit product is for completed or near-complete schemes, up to 75% LTV, and its bridging and exit sheet says it will look at schemes once they are wind and watertight.
Where does CrowdProperty lend?
Its bridging and development exit criteria cover England and Wales only, and it does not lend on rural property. Check location early for any other product.
This review is our independent summary of the lender's publicly stated lending, checked in October 2026. Criteria change, so confirm the current position before relying on it. Bridge & Build Finance is an independent broker and is not part of any lender reviewed. Finance is subject to status, valuation and lender approval.
