Business Details
12 Years
experience
Emergency
services
Expert Bridging Finance Solutions
Established in August 2014, T F G Capital was founded by James Mortimore to address the funding gap in a risk-averse market. We specialise in providing flexible, secured bridging loans and cashflow finance solutions tailored to the needs of businesses and property investors. Our streamlined processes enable funding within 72 hours, with direct access to decision-makers ensuring swift and reliable service. Since inception, we have delivered over 150 million in funding across England, Scotland, and Wales. Our team combines deep industry expertise with a no-nonsense approach, offering competitive loan-to-value ratios up to 70% for residential properties and 65% for commercial assets.We prioritise transparency, with valuers and solicitors available 24/7 to support urgent transactions. Our track record of completing complex deals, including development finance and portfolio refinancing, demonstrates our commitment to innovative solutions. Backed by a decade of operational experience, we maintain strong relationships with brokers and clients through consistent delivery of time-sensitive funding. Our non-regulated lending model focuses purely on security value, accommodating diverse collateral types from land to mixed-use properties.
Services
Bridging Finance
Cashflow Finance
Property Finance
Development Finance
Secured Loans
Portfolio Refinance
Commercial Acquisition
HMO Financing
Land Development
Debt Restructuring
Details
- Year established: 2014
Highlights and features
- Deal directly with decision-makers for faster approvals
- Funding range from 50,000 to 5,000,000 available
- Complete complex deals within 72 hours guaranteed
- Valuers and solicitors available 24/7 for urgent needs
- Lending based purely on security value assessment
What people say
Quick decisions
Fast completions
Flexible security
Direct access
Reliable funding
Services
Bridging Finance
Secured bridging finance for property transactions and business cashflow needs. Available from 50,000 to 5,000,000 with completions within 72 hours. Accepts residential, commercial, and agricultural security. Ideal for urgent acquisitions, refinancing, or development projects requiring rapid funding.
Cashflow Finance
Flexible secured lending solutions for SMEs facing creditor pressure or growth opportunities. Structures include multi-asset security arrangements and third-party property charges. Designed for businesses needing urgent working capital for stock purchases, HMRC debts, or seasonal cashflow gaps.
Development Finance
Funding for property development projects including permitted development conversions and refurbishments. Offers up to 65% of purchase price plus 100% of construction costs. Supports complex schemes requiring phased funding and additional security structuring.
Commercial Acquisition
Secured financing for commercial property acquisitions and business purchases. Structures include SPV funding with lease arrangements, supporting transactions from 225,000 upwards. Completes within seven days with flexible security arrangements.
Portfolio Refinance
Refinancing solutions for property portfolios under financial pressure. Capable of splitting facilities across personal and company structures. Delivers urgent liquidity through restructured charges across multiple properties, typically completing within 10 working days.
People
James Mortimore
Managing Director
ACCA-qualified founder with 15+ years' experience in alternative finance. Established T F G Capital in 2014 to address market gaps in secured lending. Oversees strategic direction and underwriting decisions.
Andrew Hunt
Operations Director
MIPA-qualified finance professional with extensive bridging market expertise. Joined TFG in 2016 to enhance operational efficiency. Manages day-to-day lending operations and broker relationships.
Luke Flanagan
National Brokers Manager
Experienced broker liaison specialist managing national introducer networks. Focuses on delivering streamlined service for complex secured transactions through direct access to decision-makers.
David Middlemass
Finance Director
Chartered accountant responsible for financial strategy and risk management. Ensures prudent capital allocation across the 150m+ loan book while maintaining regulatory compliance.
Rhys Le Quelennec
Sales Executive
Specialist in new client acquisition with focus on regional property markets. Provides technical support for HMO financing and mixed-use property transactions across the UK.
Questions
What loan amounts do you offer?
We provide secured finance ranging from £50,000 to £5,000,000 depending on security value and transaction complexity.
How quickly can you complete a loan?
Most transactions complete within 72 hours from instruction, with some urgent cases finalised in 48 hours.
What security types do you accept?
We accept residential, commercial, and agricultural properties including land with or without planning permission.
Are your loans regulated?
Our bridging loans are non-regulated, allowing greater flexibility in security assessment and transaction structuring.
Do you work with brokers?
Yes, we maintain direct relationships with brokers and offer dedicated support through our national broker managers.
Can you help with poor credit history?
We consider applications with past credit issues, focusing primarily on security value and transaction viability.
