MSP Capital is a specialist property lender based in Poole, Dorset, providing bridging loans and development finance to property developers and investors. At the time of writing (October 2026), its website shows loans from £100,000 to £10m, up to 75% loan-to-value on bridging and up to 70% of gross development value (GDV) on development, secured on property in England and Wales. Bridge & Build Finance is an independent broker and is not part of MSP Capital, so we can compare its terms with other lenders. You can read more on MSP Capital's own website.
About MSP Capital
MSP Capital says it started around a kitchen table in 1981 and celebrated its 45th year in business in 2026. It is based at Strata House in Poole and describes itself as one of the largest providers of property finance in Southern England.
It is a principal lender, which means it makes lending decisions in-house. It says its team includes underwriting, credit, valuation, surveying and legal expertise, and it describes its approach as relationship-led lending.
MSP Capital's loans are not regulated by the Financial Conduct Authority. It is registered with the FCA only for anti-money laundering supervision, and it does not lend on a property that is the borrower's main residence.
MSP Capital is one of the lenders we compare for bridging loans and development finance.
What MSP Capital funds
MSP Capital offers two main product lines.
| Feature | Bridging loans | Development finance |
|---|---|---|
| Loan size | £100,000 to £10m | £100,000 to £10m |
| Maximum leverage | Up to 75% LTV (standard residential lending up to 70%) | Up to 70% of GDV, and up to 100% of build costs subject to viability |
| Term | Usually up to 12 months, with flexibility up to 18 months | Up to 24 months |
| Security | Usually a first charge; a second charge may be possible with the first lender's consent | First charge, with staged drawdowns |
| Regions | England and Wales | England and Wales |
Bridging uses include auction purchases, light and heavy refurbishment, development exit, buying or refinancing commercial property, bridging a sale and cash flow. Development finance covers ground-up schemes, heavy refurbishment, restorations, extensions, conversions and change of use.
On development loans, MSP Capital says the initial advance can fund the site purchase, with the rest released in stages as the work progresses. It also offers options with no exit fee.
Who MSP Capital suits (and who it may not)
MSP Capital tends to suit:
- Professional developers and investors with property in England or Wales.
- Developers who want the loan to cover a large share of build costs within a 70% of GDV limit.
- Investors buying at auction, refurbishing or refinancing residential or commercial property.
- Developers finishing a scheme who need a bridge to repay build finance while units sell.
- Borrowers using limited companies, LLPs or personal names.
- Those who value dealing with a long-established lender that makes its own decisions.
It is not suitable for property in Scotland or Northern Ireland, for loans under £100,000, or for any loan on a home the borrower lives in, since MSP Capital does not offer regulated bridging. It says borrowers should be aged 21 to 75.
What MSP Capital looks at
MSP Capital says the level of experience it requires depends on the size, complexity and risk of the project. Prior experience helps, but it also weighs the strength of the professional team and the viability of the scheme. For development finance, expect it to review:
- Planning consent and the proposed scheme.
- The build cost, programme and contractor.
- The GDV, based on a RICS valuation.
- The developer's track record and professional team.
- The exit through sale or refinance.
For bridging, lending is based on a RICS valuation of the property, and MSP Capital will want a clear exit within the term. Fees can include arrangement, valuation, legal and, for development, monitoring surveyor costs.
Pros and cons
Pros
- Long-established lender, trading since 1981 by its own account.
- Loans from £100,000 to £10m on both bridging and development.
- Development finance up to 100% of build costs, subject to viability.
- Covers residential and commercial property, with second charges considered.
- Options with no exit fee.
Cons
- England and Wales only.
- No regulated lending on owner-occupied homes.
- Borrowers must be aged 21 to 75.
- Minimum loan of £100,000.
Going through a broker vs going direct
You can approach MSP Capital directly. Comparing first helps because bridging and development lenders differ on leverage, how much of the build cost they fund, how they value property and what fees apply at the start and on exit. A scheme that suits MSP Capital may also suit several other lenders on different terms.
We search the market, present your case to suitable lenders and manage the application. It is free to enquire, and any broker fee is disclosed before you proceed.
Alternatives to MSP Capital
- Hampshire Trust Bank: a specialist bank with bridging and development finance.
- Fiduciam: a privately funded bridging and development lender.
- Goldentree: a privately funded lender with loans from £100,000 to £10m.
- LendInvest: development and bridging lending for residential schemes.
- MT Finance: bridging across residential and commercial property.
Common questions
How much can MSP Capital lend?
At the time of writing (October 2026), MSP Capital lends from £100,000 to £10m on both bridging and development finance.
Where does MSP Capital lend?
MSP Capital lends on property in England and Wales only.
Is MSP Capital regulated?
MSP Capital says it is an unregulated lender and its loans are not regulated by the FCA. It does not lend on a property that is the borrower's main residence.
How much of the build cost will MSP Capital fund?
MSP Capital says it can lend up to 100% of build costs, subject to the viability of the project, within a maximum of 70% of GDV.
Does MSP Capital lend on second charges?
Its bridging loans are usually secured by a first charge, but MSP Capital says a second charge is sometimes possible with the first charge holder's approval.
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.
