Funding when banks won't.
£50k–£5m funding for bridging, development, growth capital, refinance and more. Decisions in days, not months.
How funding works.
A defined process from submission to drawdown. No ambiguity. No unnecessary delays.
Submit Deal
Provide your funding requirement. We assess viability within 24 hours.
Structuring & Placement
We structure the deal and place it across our non-bank lender network.
Indicative Terms
Receive lender terms. We negotiate and present the strongest options.
Completion
Legal process, drawdown, and funding. We manage the process end-to-end.
When banks can't move, non-bank capital does.
UK banks decline or delay a significant proportion of commercial lending applications. Non-bank lenders exist to fill that structural gap.
This is not alternative lending. Non-bank lenders operate with regulated processes, institutional backing, and faster execution than traditional banking.
VRB structures deals for non-bank placement. We operate exclusively in this space because that is where execution happens for borrowers who need certainty, not promises.
Speed of Execution
Non-bank lenders operate outside committee cycles. Decisions measured in days rather than weeks. Funding completes in weeks, not months.
Flexible Criteria
Asset-backed assessment, not rigid credit scoring. Complex structures, mixed-use properties, and non-standard income are evaluated individually.
Where Banks Decline
Prior adverse credit, short trading history, unusual collateral, or time-sensitive opportunities. Non-bank lenders assess what banks screen out.
Specialist Lender Access
VRB operates exclusively in non-bank capital. We structure deals for placement because that is where execution happens for borrowers who need certainty.
What we execute.
Three categories of funding. Each structured for speed and placed across our non-bank lender network.
Property Finance
Bridging, development, refurbishment, and portfolio acquisition — where speed and structure matter more than rate alone.
Bank Limitation
Banks require 8–12 weeks, extensive documentation, and often decline non-standard assets or complex structures.
Non-Bank Execution
Non-bank lenders assess on asset value and deal viability. Decisions in days, not months.
Business & Growth Finance
Working capital, acquisition funding, cash flow facilities, and growth capital for trading SMEs.
Bank Limitation
Banks apply rigid criteria, require personal guarantees on everything, and move slowly on time-sensitive opportunities.
Non-Bank Execution
Revenue-based lending, asset-backed facilities, and invoice finance — structured around how your business actually operates.
Refinancing & Special Situations
Exiting expensive debt, restructuring existing facilities, or funding where mainstream lenders have declined.
Bank Limitation
Banks rarely refinance their own declined cases. Complex credit histories or unusual assets are screened out automatically.
Non-Bank Execution
Specialist lenders assess each case individually. Prior declines, adverse credit, or unusual collateral are evaluated — not auto-rejected.
Deals we've placed.
Residential Development Exit
Developer needed fast exit finance to release equity from a completed scheme. Bank declined due to timeline. We placed with a specialist bridging lender within 5 days, completing in under two weeks.
Ground-Up Residential Scheme
First-time developer with planning consent for 8 units. High street bank required 3+ years track record. We structured the deal with a non-bank lender who assessed the site and team on merit.
Mixed-Use Portfolio Refinance
Investor with a 6-unit mixed-use portfolio needed to refinance from a short-term facility. Complex tenant mix made banks hesitant. We placed across two specialist lenders with blended terms.
Check your eligibility in 2 minutes.
Quick eligibility check for £50k–£5m funding. Confidential, no obligation, no upfront costs. Keep 100% equity.
£50K – £5M
Funding Range
24hrs
Initial Review
Non-dilutive
Keep 100% Equity