Relendex is a technology-led property lender that funds development, development exit and bridging loans for SME housebuilders and developers, secured on UK property. Bridge & Build Finance is an independent broker and is not part of Relendex; it is one of the lenders we compare for development finance. You can read more on Relendex's own website.
About Relendex
Relendex describes itself as a technology-driven lending platform that funds loans to property developers using money from Relendex and its community of investors, through a fractionalised lending model. It says it has been lending since 2017 and has lent more than £180 million to UK SME housebuilders.
Relendex Limited is registered in England and is authorised and regulated by the Financial Conduct Authority, in connection with its investment activities. It has a strategic co-investment partnership with the British Business Bank to lend to SME housebuilders, which adds institutional capital alongside its investor base.
It is based in London, and its lending is aimed at established SME housebuilders, developers and the brokers who act for them. It does not offer regulated loans to homeowners.
What Relendex funds
At the time of writing (October 2026), Relendex's published criteria include the following. Its own pages vary slightly on loan size, so the table shows its broker-page figures.
| Product | What it is for | Key criteria |
|---|---|---|
| Development finance | Residential new build, conversion and refurbishment, including modern methods of construction | £750,000 to £10 million, up to 70% of GDV and 90% of costs, terms up to 36 months |
| Development exit | Refinancing completed schemes during the sales period | Up to 75% of GDV |
| Bridging | Short-term funding for acquisitions | Minimum term of six months |
| Commercial development | Commercial schemes | Only where pre-let or pre-sold to strong counterparties |
Relendex's broker page also refers to a maximum of £2 million per single asset, so larger loans may need to be spread across more than one property or unit. Mixed-use schemes are considered. Lending is across the UK, subject to local demand and liquidity, and Relendex favours primary or strong secondary locations.
Relendex says sites need implementable planning, so it does not take planning risk. Our guide to development exit finance explains how refinancing a finished scheme works.
Who Relendex suits (and who it may not)
Relendex tends to suit:
- Established SME housebuilders with a proven track record on similar schemes.
- Residential schemes needing £750,000 or more, with implementable planning.
- Developers using modern methods of construction.
- Developers who want development and exit finance from the same lender.
- Commercial schemes that are already pre-let or pre-sold.
It may not suit first-time developers, sites without planning, speculative commercial schemes, small loans below £750,000, short bridges of under six months, or locations with weak sales demand.
What Relendex looks at
Relendex says each loan is bespoke and approved by its credit committee. Proposals are expected to cover:
- The developer's track record and financial standing.
- The site, its planning status and the GDV, supported by a professional valuation.
- Build costs, programme and contractor, including the construction method.
- Local demand and the sales or refinance exit.
- For commercial schemes, the strength of the pre-let or pre-sale counterparty.
Pros and cons
Pros
- FCA-regulated platform with a British Business Bank co-investment partnership.
- Up to 70% of GDV and 90% of costs on development.
- Development exit finance available.
- Accepts modern methods of construction.
- Lends UK-wide in strong markets.
Cons
- Aimed at established developers.
- Implementable planning required; no planning risk taken.
- Commercial development only with a pre-let or pre-sale.
- Published loan limits vary across its pages, including a per-asset cap.
Going through a broker vs going direct
Relendex works with developers and finance brokers. Comparing first matters because investor-funded platforms, specialist banks and debt funds price development risk differently, and a lender's per-asset or location limits can make a scheme a better fit elsewhere.
A broker can also help package the scheme for a credit committee: a clear cost plan, a summary of your track record and sales evidence for the location all make a bespoke lender's assessment easier.
We search the market, set Relendex alongside other development lenders, present your scheme and manage the application through to completion. It is free to enquire, and any broker fee is disclosed before you proceed.
Alternatives to Relendex
- CrowdProperty: another investor-funded development lender, also offering planning gain bridging.
- Blend Network: platform-based development finance from £1 million.
- Invest & Fund: development finance for SME housebuilders, including a Homes England product.
- Assetz Capital: development and pre-planning bridging.
- MSP Capital: development finance for smaller and mid-sized schemes.
Common questions
How much can I borrow from Relendex?
At the time of writing, Relendex's development finance runs from £750,000 to £10 million, up to 70% of GDV and 90% of costs. Its broker page also mentions a maximum of £2 million per single asset.
Does Relendex lend to first-time developers?
Relendex says it lends to established SME housebuilders, with funding based on track record and financial standing.
Does Relendex need planning permission?
Yes. Relendex says sites need implementable planning and it does not take planning risk.
Does Relendex offer development exit finance?
Yes. Its broker page lists development exit finance of up to 75% of GDV to cover completion and sales.
Who funds Relendex loans?
Loans are funded by Relendex and its investors, and it has a co-investment partnership with the British Business Bank.
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.
