CapitalRise

CapitalRise is a UK-based real estate investment platform that provides individual and institutional investors with access to high-quality property-backed loans. The platform specialises in financing prime developments in London and the Home Counties, offering exposure to asset-backed investments via senior and mezzanine loans and equity products that were once reserved for large institutions. Since its launch in 2016, CapitalRise has facilitated over £305 million in public investments through their digital platform (544m including bank financing and institutional investors). In the past year, the platform has funded £58.11 million, averaging £4.82 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors with real estate investments in London and the Home Counties. Each opportunity is structured through a separate Special Purpose Vehicle (SPV), which holds security over the underlying property. This structure isolates risk — the performance of one investment does not affect another.

Investors can participate in three main types of products:

• Senior loans: Secured by a first legal charge on the property. These loans typically fund up to 60 % of the property’s value. Capital is at risk only if the property’s value falls by more than 40 %.
• Mezzanine loans: Secured by a second charge. These loans usually sit between 60 % and 75 % Loan-to-Value (LTV) and offer higher potential returns to compensate for the added risk.
• Equity: Occasionally, investors can buy shares in an SPV linked to a development project. Profits are distributed when the property is sold or refinanced at the end of the term.^[2]

The minimum investment is £1,000, and investment terms typically range from 9 to 24 months. CapitalRise does not offer an auto-invest feature but provides access to a Bulletin Board, allowing investors to sell before maturity for a 1.5 % fee.^[3] Repayments depend on the project. For debt investments, interest is paid either quarterly or at maturity alongside the principal. For equity, investors receive their capital and potential profit when the investment ends.

The platform is authorised and regulated by the Financial Conduct Authority (FCA). Investments are not protected by the Financial Services Compensation Scheme (FSCS), though uninvested client money is covered up to £85,000 per person.^[4] Investors can also use a CapitalRise Innovative Finance ISA (IFISA) to earn tax-free returns, contributing up to £20,000 per year or transferring existing ISA funds.^[5]

CapitalRise reports an average annual return of 8.83 % since its launch in 2016.^[6] The platform offers fixed-rate investments, where returns depend on the loan type and project risk. Senior loans generally offer lower yields, while mezzanine and equity investments provide higher potential returns. Interest payments are made quarterly or at maturity, depending on the investment terms. If a project experiences delays or an extension, investors continue to earn interest until the loan is fully repaid.

Investors pay no transaction or management fees when investing through the platform. The only potential charge is a 1.5 % fee if an investor sells their investment early through the Bulletin Board, CapitalRise’s secondary market. All other fees are paid by borrowers. Developers are charged arrangement and exit fees, as well as standard professional costs such as valuation and legal fees. The exact amounts vary by project and are disclosed in each investment’s documentation.

CapitalRise was founded by Uma Rajah, Alex Michelin, and Andrew Dunn. Uma Rajah serves as Chief Executive Officer and co-founder, leading product and platform strategy and the firm’s day-to-day operations.Governance and credit oversight sit with a senior team that includes Matt Robertson (Board Director and Credit Committee), who leads origination and structuring across prime London and Home Counties developments, and Stuart Peel (Finance Director), who oversees financial controls, reporting, and treasury. This combination of fintech leadership, institutional-grade property expertise, and dedicated credit governance is central to CapitalRise’s model of ring-fenced SPVs, first/second-charge security, and disciplined risk management.^[7]

Michelin and Dunn bring deep development pedigree as co-founders of Finchatton, the London luxury property developer credited with delivering projects valued at over £2 billion, which underpins CapitalRise’s focus on prime real estate and its underwriting approach.^[8] On corporate continuity, Andrew Dunn stepped down as a director in 2020 while remaining involved with the board and credit committe.^[9] Companies House records show he later returned to the board in March 2023, reflecting ongoing founder engagement in governance.^[10]

The platform operates under CapitalRise Finance Ltd, incorporated in England and Wales, and remains privately owned by mainly its founders and senior management. Together, the leadership team combines institutional finance experience with property-sector expertise, aligning investor interests with long-term asset quality and risk management.

CapitalRise successfully raised new equity through Republic (formerly Seedrs) in July 2023, achieving a valuation of £42.2 million with shares priced at £49.18 each. The campaign attracted £1.74 million from investors (74 % above target) bringing the company’s total raised via Seedrs to over £5.7 million across three rounds and more than 1,100 shareholders.^[11]

In 2024, the platform further strengthened its capital position by securing a £250 million institutional funding line, followed by a dedicated £30 million line for bridging loans. These facilities expand lending capacity and improve funding diversification beyond retail investor inflows.^[12]

According to the latest accounts filed with Companies House for the year ended 31 July 2024, CapitalRise reported a net loss of £381,099, compared to a £777,240 loss the previous year.[1] Despite the modest loss, the platform continues to demonstrate financial resilience with total equity of £5.08 million, only slightly down from £5.23 million in FY23. Total assets increased to £9.9 million (from £6.8 million), driven primarily by a rise in investments (£3.5 million, up from £2.9 million) and debtor balances (£5.25 million, up from £2.73 million). Cash holdings also grew to £1.44 million (FY23: £0.84 million), reflecting solid liquidity at year end. No new share capital was issued in FY24, leaving paid-in capital and share premium unchanged at £11.6 million. The company also recognised £226,630 in share-based payments, indicating continued staff and management participation in equity incentives. Overall, the 2024 results show CapitalRise maintaining a healthy balance sheet while narrowing losses substantially year-on-year, signalling a move toward sustainable profitability.^[13]

In 2024 and early 2025, CapitalRise also earned several industry recognitions. CEO Uma Rajah won Female Entrepreneur of the Year at the Enterprise Awards, and the company was named Property Lender of the Year (Under £20 Million) at the PROPS Awards — marking another year of strong industry presence.^[14]

While CapitalRise maintains a record of full investor repayments, its portfolio remains concentrated in prime London and Home Counties developments. Continued growth and profitability will depend on sustained demand in this market segment and effective management of bridging-loan exit risk.

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “How it works”
3. CapitalRise: “Bulletin Board”
4. CapitalRise: “FAQ”
5. CapitalRise: “IFISA”
6. CapitalRise: “£300 Million Returned to Investors: CapitalRise Celebrates Another Major Milestone”
7. CapitalRise: “About Us”
8. Finchatton: “About Us”
9. Alternative Credit Investor: “CapitalRise co-founder steps down as company director”
10. Companies House: “CapitalRise Finance Ltd, Officers”
11. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
12. CapitalRise: “CapitalRise secures new £30 million funding line for bridging loans”
13. Companies House: “Total exemption full accounts made up to 31 July 2024”
14. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”

CapitalRise is a UK-based real estate investment platform that provides individual and institutional investors with access to high-quality property-backed loans. The platform specialises in financing prime developments in London and the Home Counties, offering exposure to asset-backed investments via senior and mezzanine loans and equity products that were once reserved for large institutions. Since its launch in 2016, CapitalRise has facilitated over £305 million in public investments through their digital platform (544m including bank financing and institutional investors). In the past year, the platform has funded £58.11 million, averaging £4.82 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors with real estate investments in London and the Home Counties. Each opportunity is structured through a separate Special Purpose Vehicle (SPV), which holds security over the underlying property. This structure isolates risk — the performance of one investment does not affect another.

Investors can participate in three main types of products:

• Senior loans: Secured by a first legal charge on the property. These loans typically fund up to 60 % of the property’s value. Capital is at risk only if the property’s value falls by more than 40 %.
• Mezzanine loans: Secured by a second charge. These loans usually sit between 60 % and 75 % Loan-to-Value (LTV) and offer higher potential returns to compensate for the added risk.
• Equity: Occasionally, investors can buy shares in an SPV linked to a development project. Profits are distributed when the property is sold or refinanced at the end of the term.^[2]

The minimum investment is £1,000, and investment terms typically range from 9 to 24 months. CapitalRise does not offer an auto-invest feature but provides access to a Bulletin Board, allowing investors to sell before maturity for a 1.5 % fee.^[3] Repayments depend on the project. For debt investments, interest is paid either quarterly or at maturity alongside the principal. For equity, investors receive their capital and potential profit when the investment ends.

The platform is authorised and regulated by the Financial Conduct Authority (FCA). Investments are not protected by the Financial Services Compensation Scheme (FSCS), though uninvested client money is covered up to £85,000 per person.^[4] Investors can also use a CapitalRise Innovative Finance ISA (IFISA) to earn tax-free returns, contributing up to £20,000 per year or transferring existing ISA funds.^[5]

CapitalRise reports an average annual return of 8.83 % since its launch in 2016.^[6] The platform offers fixed-rate investments, where returns depend on the loan type and project risk. Senior loans generally offer lower yields, while mezzanine and equity investments provide higher potential returns. Interest payments are made quarterly or at maturity, depending on the investment terms. If a project experiences delays or an extension, investors continue to earn interest until the loan is fully repaid.

Investors pay no transaction or management fees when investing through the platform. The only potential charge is a 1.5 % fee if an investor sells their investment early through the Bulletin Board, CapitalRise’s secondary market. All other fees are paid by borrowers. Developers are charged arrangement and exit fees, as well as standard professional costs such as valuation and legal fees. The exact amounts vary by project and are disclosed in each investment’s documentation.

CapitalRise was founded by Uma Rajah, Alex Michelin, and Andrew Dunn. Uma Rajah serves as Chief Executive Officer and co-founder, leading product and platform strategy and the firm’s day-to-day operations.Governance and credit oversight sit with a senior team that includes Matt Robertson (Board Director and Credit Committee), who leads origination and structuring across prime London and Home Counties developments, and Stuart Peel (Finance Director), who oversees financial controls, reporting, and treasury. This combination of fintech leadership, institutional-grade property expertise, and dedicated credit governance is central to CapitalRise’s model of ring-fenced SPVs, first/second-charge security, and disciplined risk management.^[7]

Michelin and Dunn bring deep development pedigree as co-founders of Finchatton, the London luxury property developer credited with delivering projects valued at over £2 billion, which underpins CapitalRise’s focus on prime real estate and its underwriting approach.^[8] On corporate continuity, Andrew Dunn stepped down as a director in 2020 while remaining involved with the board and credit committe.^[9] Companies House records show he later returned to the board in March 2023, reflecting ongoing founder engagement in governance.^[10]

The platform operates under CapitalRise Finance Ltd, incorporated in England and Wales, and remains privately owned by mainly its founders and senior management. Together, the leadership team combines institutional finance experience with property-sector expertise, aligning investor interests with long-term asset quality and risk management.

CapitalRise successfully raised new equity through Republic (formerly Seedrs) in July 2023, achieving a valuation of £42.2 million with shares priced at £49.18 each. The campaign attracted £1.74 million from investors (74 % above target) bringing the company’s total raised via Seedrs to over £5.7 million across three rounds and more than 1,100 shareholders.^[11]

In 2024, the platform further strengthened its capital position by securing a £250 million institutional funding line, followed by a dedicated £30 million line for bridging loans. These facilities expand lending capacity and improve funding diversification beyond retail investor inflows.^[12]

According to the latest accounts filed with Companies House for the year ended 31 July 2024, CapitalRise reported a net loss of £381,099, compared to a £777,240 loss the previous year.[1] Despite the modest loss, the platform continues to demonstrate financial resilience with total equity of £5.08 million, only slightly down from £5.23 million in FY23. Total assets increased to £9.9 million (from £6.8 million), driven primarily by a rise in investments (£3.5 million, up from £2.9 million) and debtor balances (£5.25 million, up from £2.73 million). Cash holdings also grew to £1.44 million (FY23: £0.84 million), reflecting solid liquidity at year end. No new share capital was issued in FY24, leaving paid-in capital and share premium unchanged at £11.6 million. The company also recognised £226,630 in share-based payments, indicating continued staff and management participation in equity incentives. Overall, the 2024 results show CapitalRise maintaining a healthy balance sheet while narrowing losses substantially year-on-year, signalling a move toward sustainable profitability.^[13]

In 2024 and early 2025, CapitalRise also earned several industry recognitions. CEO Uma Rajah won Female Entrepreneur of the Year at the Enterprise Awards, and the company was named Property Lender of the Year (Under £20 Million) at the PROPS Awards — marking another year of strong industry presence.^[14]

While CapitalRise maintains a record of full investor repayments, its portfolio remains concentrated in prime London and Home Counties developments. Continued growth and profitability will depend on sustained demand in this market segment and effective management of bridging-loan exit risk.

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “How it works”
3. CapitalRise: “Bulletin Board”
4. CapitalRise: “FAQ”
5. CapitalRise: “IFISA”
6. CapitalRise: “£300 Million Returned to Investors: CapitalRise Celebrates Another Major Milestone”
7. CapitalRise: “About Us”
8. Finchatton: “About Us”
9. Alternative Credit Investor: “CapitalRise co-founder steps down as company director”
10. Companies House: “CapitalRise Finance Ltd, Officers”
11. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
12. CapitalRise: “CapitalRise secures new £30 million funding line for bridging loans”
13. Companies House: “Total exemption full accounts made up to 31 July 2024”
14. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”

CapitalRise is a UK-based real estate investment platform that provides individual and institutional investors with access to high-quality property-backed loans. The platform specialises in financing prime developments in London and the Home Counties, offering exposure to asset-backed investments via senior and mezzanine loans and equity products that were once reserved for large institutions. Since its launch in 2016, CapitalRise has facilitated over £305 million in public investments through their digital platform (544m including bank financing and institutional investors). In the past year, the platform has funded £58.11 million, averaging £4.82 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors with real estate investments in London and the Home Counties. Each opportunity is structured through a separate Special Purpose Vehicle (SPV), which holds security over the underlying property. This structure isolates risk — the performance of one investment does not affect another.

Investors can participate in three main types of products:

• Senior loans: Secured by a first legal charge on the property. These loans typically fund up to 60 % of the property’s value. Capital is at risk only if the property’s value falls by more than 40 %.
• Mezzanine loans: Secured by a second charge. These loans usually sit between 60 % and 75 % Loan-to-Value (LTV) and offer higher potential returns to compensate for the added risk.
• Equity: Occasionally, investors can buy shares in an SPV linked to a development project. Profits are distributed when the property is sold or refinanced at the end of the term.^[2]

The minimum investment is £1,000, and investment terms typically range from 9 to 24 months. CapitalRise does not offer an auto-invest feature but provides access to a Bulletin Board, allowing investors to sell before maturity for a 1.5 % fee.^[3] Repayments depend on the project. For debt investments, interest is paid either quarterly or at maturity alongside the principal. For equity, investors receive their capital and potential profit when the investment ends.

The platform is authorised and regulated by the Financial Conduct Authority (FCA). Investments are not protected by the Financial Services Compensation Scheme (FSCS), though uninvested client money is covered up to £85,000 per person.^[4] Investors can also use a CapitalRise Innovative Finance ISA (IFISA) to earn tax-free returns, contributing up to £20,000 per year or transferring existing ISA funds.^[5]

CapitalRise reports an average annual return of 8.83 % since its launch in 2016.^[6] The platform offers fixed-rate investments, where returns depend on the loan type and project risk. Senior loans generally offer lower yields, while mezzanine and equity investments provide higher potential returns. Interest payments are made quarterly or at maturity, depending on the investment terms. If a project experiences delays or an extension, investors continue to earn interest until the loan is fully repaid.

Investors pay no transaction or management fees when investing through the platform. The only potential charge is a 1.5 % fee if an investor sells their investment early through the Bulletin Board, CapitalRise’s secondary market. All other fees are paid by borrowers. Developers are charged arrangement and exit fees, as well as standard professional costs such as valuation and legal fees. The exact amounts vary by project and are disclosed in each investment’s documentation.

CapitalRise was founded by Uma Rajah, Alex Michelin, and Andrew Dunn. Uma Rajah serves as Chief Executive Officer and co-founder, leading product and platform strategy and the firm’s day-to-day operations.Governance and credit oversight sit with a senior team that includes Matt Robertson (Board Director and Credit Committee), who leads origination and structuring across prime London and Home Counties developments, and Stuart Peel (Finance Director), who oversees financial controls, reporting, and treasury. This combination of fintech leadership, institutional-grade property expertise, and dedicated credit governance is central to CapitalRise’s model of ring-fenced SPVs, first/second-charge security, and disciplined risk management.^[7]

Michelin and Dunn bring deep development pedigree as co-founders of Finchatton, the London luxury property developer credited with delivering projects valued at over £2 billion, which underpins CapitalRise’s focus on prime real estate and its underwriting approach.^[8] On corporate continuity, Andrew Dunn stepped down as a director in 2020 while remaining involved with the board and credit committe.^[9] Companies House records show he later returned to the board in March 2023, reflecting ongoing founder engagement in governance.^[10]

The platform operates under CapitalRise Finance Ltd, incorporated in England and Wales, and remains privately owned by mainly its founders and senior management. Together, the leadership team combines institutional finance experience with property-sector expertise, aligning investor interests with long-term asset quality and risk management.

CapitalRise successfully raised new equity through Republic (formerly Seedrs) in July 2023, achieving a valuation of £42.2 million with shares priced at £49.18 each. The campaign attracted £1.74 million from investors (74 % above target) bringing the company’s total raised via Seedrs to over £5.7 million across three rounds and more than 1,100 shareholders.^[11]

In 2024, the platform further strengthened its capital position by securing a £250 million institutional funding line, followed by a dedicated £30 million line for bridging loans. These facilities expand lending capacity and improve funding diversification beyond retail investor inflows.^[12]

According to the latest accounts filed with Companies House for the year ended 31 July 2024, CapitalRise reported a net loss of £381,099, compared to a £777,240 loss the previous year.[1] Despite the modest loss, the platform continues to demonstrate financial resilience with total equity of £5.08 million, only slightly down from £5.23 million in FY23. Total assets increased to £9.9 million (from £6.8 million), driven primarily by a rise in investments (£3.5 million, up from £2.9 million) and debtor balances (£5.25 million, up from £2.73 million). Cash holdings also grew to £1.44 million (FY23: £0.84 million), reflecting solid liquidity at year end. No new share capital was issued in FY24, leaving paid-in capital and share premium unchanged at £11.6 million. The company also recognised £226,630 in share-based payments, indicating continued staff and management participation in equity incentives. Overall, the 2024 results show CapitalRise maintaining a healthy balance sheet while narrowing losses substantially year-on-year, signalling a move toward sustainable profitability.^[13]

In 2024 and early 2025, CapitalRise also earned several industry recognitions. CEO Uma Rajah won Female Entrepreneur of the Year at the Enterprise Awards, and the company was named Property Lender of the Year (Under £20 Million) at the PROPS Awards — marking another year of strong industry presence.^[14]

While CapitalRise maintains a record of full investor repayments, its portfolio remains concentrated in prime London and Home Counties developments. Continued growth and profitability will depend on sustained demand in this market segment and effective management of bridging-loan exit risk.

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “How it works”
3. CapitalRise: “Bulletin Board”
4. CapitalRise: “FAQ”
5. CapitalRise: “IFISA”
6. CapitalRise: “£300 Million Returned to Investors: CapitalRise Celebrates Another Major Milestone”
7. CapitalRise: “About Us”
8. Finchatton: “About Us”
9. Alternative Credit Investor: “CapitalRise co-founder steps down as company director”
10. Companies House: “CapitalRise Finance Ltd, Officers”
11. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
12. CapitalRise: “CapitalRise secures new £30 million funding line for bridging loans”
13. Companies House: “Total exemption full accounts made up to 31 July 2024”
14. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”

CapitalRise is a UK-based real estate investment platform that provides individual and institutional investors with access to high-quality property-backed loans. The platform specialises in financing prime developments in London and the Home Counties, offering exposure to asset-backed investments via senior and mezzanine loans and equity products that were once reserved for large institutions. Since its launch in 2016, CapitalRise has facilitated over £305 million in public investments through their digital platform (544m including bank financing and institutional investors). In the past year, the platform has funded £58.11 million, averaging £4.82 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors with real estate investments in London and the Home Counties. Each opportunity is structured through a separate Special Purpose Vehicle (SPV), which holds security over the underlying property. This structure isolates risk — the performance of one investment does not affect another.

Investors can participate in three main types of products:

• Senior loans: Secured by a first legal charge on the property. These loans typically fund up to 60 % of the property’s value. Capital is at risk only if the property’s value falls by more than 40 %.
• Mezzanine loans: Secured by a second charge. These loans usually sit between 60 % and 75 % Loan-to-Value (LTV) and offer higher potential returns to compensate for the added risk.
• Equity: Occasionally, investors can buy shares in an SPV linked to a development project. Profits are distributed when the property is sold or refinanced at the end of the term.^[2]

The minimum investment is £1,000, and investment terms typically range from 9 to 24 months. CapitalRise does not offer an auto-invest feature but provides access to a Bulletin Board, allowing investors to sell before maturity for a 1.5 % fee.^[3] Repayments depend on the project. For debt investments, interest is paid either quarterly or at maturity alongside the principal. For equity, investors receive their capital and potential profit when the investment ends.

The platform is authorised and regulated by the Financial Conduct Authority (FCA). Investments are not protected by the Financial Services Compensation Scheme (FSCS), though uninvested client money is covered up to £85,000 per person.^[4] Investors can also use a CapitalRise Innovative Finance ISA (IFISA) to earn tax-free returns, contributing up to £20,000 per year or transferring existing ISA funds.^[5]

CapitalRise reports an average annual return of 8.83 % since its launch in 2016.^[6] The platform offers fixed-rate investments, where returns depend on the loan type and project risk. Senior loans generally offer lower yields, while mezzanine and equity investments provide higher potential returns. Interest payments are made quarterly or at maturity, depending on the investment terms. If a project experiences delays or an extension, investors continue to earn interest until the loan is fully repaid.

Investors pay no transaction or management fees when investing through the platform. The only potential charge is a 1.5 % fee if an investor sells their investment early through the Bulletin Board, CapitalRise’s secondary market. All other fees are paid by borrowers. Developers are charged arrangement and exit fees, as well as standard professional costs such as valuation and legal fees. The exact amounts vary by project and are disclosed in each investment’s documentation.

CapitalRise was founded by Uma Rajah, Alex Michelin, and Andrew Dunn. Uma Rajah serves as Chief Executive Officer and co-founder, leading product and platform strategy and the firm’s day-to-day operations.Governance and credit oversight sit with a senior team that includes Matt Robertson (Board Director and Credit Committee), who leads origination and structuring across prime London and Home Counties developments, and Stuart Peel (Finance Director), who oversees financial controls, reporting, and treasury. This combination of fintech leadership, institutional-grade property expertise, and dedicated credit governance is central to CapitalRise’s model of ring-fenced SPVs, first/second-charge security, and disciplined risk management.^[7]

Michelin and Dunn bring deep development pedigree as co-founders of Finchatton, the London luxury property developer credited with delivering projects valued at over £2 billion, which underpins CapitalRise’s focus on prime real estate and its underwriting approach.^[8] On corporate continuity, Andrew Dunn stepped down as a director in 2020 while remaining involved with the board and credit committe.^[9] Companies House records show he later returned to the board in March 2023, reflecting ongoing founder engagement in governance.^[10]

The platform operates under CapitalRise Finance Ltd, incorporated in England and Wales, and remains privately owned by mainly its founders and senior management. Together, the leadership team combines institutional finance experience with property-sector expertise, aligning investor interests with long-term asset quality and risk management.

CapitalRise successfully raised new equity through Republic (formerly Seedrs) in July 2023, achieving a valuation of £42.2 million with shares priced at £49.18 each. The campaign attracted £1.74 million from investors (74 % above target) bringing the company’s total raised via Seedrs to over £5.7 million across three rounds and more than 1,100 shareholders.^[11]

In 2024, the platform further strengthened its capital position by securing a £250 million institutional funding line, followed by a dedicated £30 million line for bridging loans. These facilities expand lending capacity and improve funding diversification beyond retail investor inflows.^[12]

According to the latest accounts filed with Companies House for the year ended 31 July 2024, CapitalRise reported a net loss of £381,099, compared to a £777,240 loss the previous year.[1] Despite the modest loss, the platform continues to demonstrate financial resilience with total equity of £5.08 million, only slightly down from £5.23 million in FY23. Total assets increased to £9.9 million (from £6.8 million), driven primarily by a rise in investments (£3.5 million, up from £2.9 million) and debtor balances (£5.25 million, up from £2.73 million). Cash holdings also grew to £1.44 million (FY23: £0.84 million), reflecting solid liquidity at year end. No new share capital was issued in FY24, leaving paid-in capital and share premium unchanged at £11.6 million. The company also recognised £226,630 in share-based payments, indicating continued staff and management participation in equity incentives. Overall, the 2024 results show CapitalRise maintaining a healthy balance sheet while narrowing losses substantially year-on-year, signalling a move toward sustainable profitability.^[13]

In 2024 and early 2025, CapitalRise also earned several industry recognitions. CEO Uma Rajah won Female Entrepreneur of the Year at the Enterprise Awards, and the company was named Property Lender of the Year (Under £20 Million) at the PROPS Awards — marking another year of strong industry presence.^[14]

While CapitalRise maintains a record of full investor repayments, its portfolio remains concentrated in prime London and Home Counties developments. Continued growth and profitability will depend on sustained demand in this market segment and effective management of bridging-loan exit risk.

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “How it works”
3. CapitalRise: “Bulletin Board”
4. CapitalRise: “FAQ”
5. CapitalRise: “IFISA”
6. CapitalRise: “£300 Million Returned to Investors: CapitalRise Celebrates Another Major Milestone”
7. CapitalRise: “About Us”
8. Finchatton: “About Us”
9. Alternative Credit Investor: “CapitalRise co-founder steps down as company director”
10. Companies House: “CapitalRise Finance Ltd, Officers”
11. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
12. CapitalRise: “CapitalRise secures new £30 million funding line for bridging loans”
13. Companies House: “Total exemption full accounts made up to 31 July 2024”
14. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”

CapitalRise is a UK-based real estate investment platform that provides individual and institutional investors with access to high-quality property-backed loans. The platform specialises in financing prime developments in London and the Home Counties, offering exposure to asset-backed investments via senior and mezzanine loans and equity products that were once reserved for large institutions. Since its launch in 2016, CapitalRise has facilitated over £305 million in public investments through their digital platform (544m including bank financing and institutional investors). In the past year, the platform has funded £58.11 million, averaging £4.82 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors with real estate investments in London and the Home Counties. Each opportunity is structured through a separate Special Purpose Vehicle (SPV), which holds security over the underlying property. This structure isolates risk — the performance of one investment does not affect another.

Investors can participate in three main types of products:

• Senior loans: Secured by a first legal charge on the property. These loans typically fund up to 60 % of the property’s value. Capital is at risk only if the property’s value falls by more than 40 %.
• Mezzanine loans: Secured by a second charge. These loans usually sit between 60 % and 75 % Loan-to-Value (LTV) and offer higher potential returns to compensate for the added risk.
• Equity: Occasionally, investors can buy shares in an SPV linked to a development project. Profits are distributed when the property is sold or refinanced at the end of the term.^[2]

The minimum investment is £1,000, and investment terms typically range from 9 to 24 months. CapitalRise does not offer an auto-invest feature but provides access to a Bulletin Board, allowing investors to sell before maturity for a 1.5 % fee.^[3] Repayments depend on the project. For debt investments, interest is paid either quarterly or at maturity alongside the principal. For equity, investors receive their capital and potential profit when the investment ends.

The platform is authorised and regulated by the Financial Conduct Authority (FCA). Investments are not protected by the Financial Services Compensation Scheme (FSCS), though uninvested client money is covered up to £85,000 per person.^[4] Investors can also use a CapitalRise Innovative Finance ISA (IFISA) to earn tax-free returns, contributing up to £20,000 per year or transferring existing ISA funds.^[5]

CapitalRise reports an average annual return of 8.83 % since its launch in 2016.^[6] The platform offers fixed-rate investments, where returns depend on the loan type and project risk. Senior loans generally offer lower yields, while mezzanine and equity investments provide higher potential returns. Interest payments are made quarterly or at maturity, depending on the investment terms. If a project experiences delays or an extension, investors continue to earn interest until the loan is fully repaid.

Investors pay no transaction or management fees when investing through the platform. The only potential charge is a 1.5 % fee if an investor sells their investment early through the Bulletin Board, CapitalRise’s secondary market. All other fees are paid by borrowers. Developers are charged arrangement and exit fees, as well as standard professional costs such as valuation and legal fees. The exact amounts vary by project and are disclosed in each investment’s documentation.

CapitalRise was founded by Uma Rajah, Alex Michelin, and Andrew Dunn. Uma Rajah serves as Chief Executive Officer and co-founder, leading product and platform strategy and the firm’s day-to-day operations.Governance and credit oversight sit with a senior team that includes Matt Robertson (Board Director and Credit Committee), who leads origination and structuring across prime London and Home Counties developments, and Stuart Peel (Finance Director), who oversees financial controls, reporting, and treasury. This combination of fintech leadership, institutional-grade property expertise, and dedicated credit governance is central to CapitalRise’s model of ring-fenced SPVs, first/second-charge security, and disciplined risk management.^[7]

Michelin and Dunn bring deep development pedigree as co-founders of Finchatton, the London luxury property developer credited with delivering projects valued at over £2 billion, which underpins CapitalRise’s focus on prime real estate and its underwriting approach.^[8] On corporate continuity, Andrew Dunn stepped down as a director in 2020 while remaining involved with the board and credit committe.^[9] Companies House records show he later returned to the board in March 2023, reflecting ongoing founder engagement in governance.^[10]

The platform operates under CapitalRise Finance Ltd, incorporated in England and Wales, and remains privately owned by mainly its founders and senior management. Together, the leadership team combines institutional finance experience with property-sector expertise, aligning investor interests with long-term asset quality and risk management.

CapitalRise successfully raised new equity through Republic (formerly Seedrs) in July 2023, achieving a valuation of £42.2 million with shares priced at £49.18 each. The campaign attracted £1.74 million from investors (74 % above target) bringing the company’s total raised via Seedrs to over £5.7 million across three rounds and more than 1,100 shareholders.^[11]

In 2024, the platform further strengthened its capital position by securing a £250 million institutional funding line, followed by a dedicated £30 million line for bridging loans. These facilities expand lending capacity and improve funding diversification beyond retail investor inflows.^[12]

According to the latest accounts filed with Companies House for the year ended 31 July 2024, CapitalRise reported a net loss of £381,099, compared to a £777,240 loss the previous year.[1] Despite the modest loss, the platform continues to demonstrate financial resilience with total equity of £5.08 million, only slightly down from £5.23 million in FY23. Total assets increased to £9.9 million (from £6.8 million), driven primarily by a rise in investments (£3.5 million, up from £2.9 million) and debtor balances (£5.25 million, up from £2.73 million). Cash holdings also grew to £1.44 million (FY23: £0.84 million), reflecting solid liquidity at year end. No new share capital was issued in FY24, leaving paid-in capital and share premium unchanged at £11.6 million. The company also recognised £226,630 in share-based payments, indicating continued staff and management participation in equity incentives. Overall, the 2024 results show CapitalRise maintaining a healthy balance sheet while narrowing losses substantially year-on-year, signalling a move toward sustainable profitability.^[13]

In 2024 and early 2025, CapitalRise also earned several industry recognitions. CEO Uma Rajah won Female Entrepreneur of the Year at the Enterprise Awards, and the company was named Property Lender of the Year (Under £20 Million) at the PROPS Awards — marking another year of strong industry presence.^[14]

While CapitalRise maintains a record of full investor repayments, its portfolio remains concentrated in prime London and Home Counties developments. Continued growth and profitability will depend on sustained demand in this market segment and effective management of bridging-loan exit risk.

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “How it works”
3. CapitalRise: “Bulletin Board”
4. CapitalRise: “FAQ”
5. CapitalRise: “IFISA”
6. CapitalRise: “£300 Million Returned to Investors: CapitalRise Celebrates Another Major Milestone”
7. CapitalRise: “About Us”
8. Finchatton: “About Us”
9. Alternative Credit Investor: “CapitalRise co-founder steps down as company director”
10. Companies House: “CapitalRise Finance Ltd, Officers”
11. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
12. CapitalRise: “CapitalRise secures new £30 million funding line for bridging loans”
13. Companies House: “Total exemption full accounts made up to 31 July 2024”
14. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”