The UK’s first search engine for development finance.
Brickflow® provides instant access to loans for ground-up developments and conversions, 24/7, from your phone or laptop.
Search the lending market in real-time and we’ll deliver results you can trust, in seconds.
Join the revolution in Development Finance
Brickflow® enables you to search the lending market in real-time, 24/7, providing direct access to quality loans, in seconds.
Find the loan that’s right for you
From the cheapest to the largest, Brickflow® will match you to a loan that stretches your equity further and sets your sights a little higher.
Take control of your borrowing
Brickflow delivers accurate results you can trust, quickly, empowering you to borrow smarter, mobilise faster and get ahead of the game.
How it Works
Here is our step-by-step guide for using Brickflow® Loan Sourcing Platform.
Feel free to get in touch for a free Demo
You tell us your development plans and we provide multiple quotes from credible lenders in seconds
You choose the best loan for you and apply instantly with our easy-to-use online application process
You track your application in real-time and we provide regular progress updates through your secure personal dashboard
You’ll have a (human) loan manager you can call or email at any time, should you need to
“I was introduced to Brickflow a month ago now and it’s incredibly convenient and practical. For developers, securing the right funding is a constant frustration. The guys at Brickflow have created an amazing platform that’s a ‘one-stop finance shop’, which we believe will revolutionise the lending market.”
“Brickflow is among the best innovations I’ve seen in the property industry. To know instantly the level of borrowing one can raise against a new development opportunity, is incredibly valuable.”
“As a property developer, the build costs and sales values are key, but knowing where we stand on the finance is just as important. Getting the wrong type of finance, or finance on less favourable terms means less profit. Brickflow will help us navigate through these dangerous waters and lead to a more successful future.”
1. How many lenders do you search?
As of today, we have 10 lenders on Brickflow®, with ambitious plans to grow this number. We handpicked the initial lenders to represent the entire market, covering a range of pricing and leverage, as well as all jurisdictions and loan sizes.
2. How does Brickflow® calculate development finance?
We use unique algorithms, bespoke to each lender. This means we provide the exact same results as the lender would offer you directly.
Each lender has its own set of rules, so your results will show different loan amounts.
The main criteria are:
- Loan to Gross Development Value (LTGDV)
- Loan to Cost (LTC)
- Minimum client equity contribution
- Day one land constraint
The lender caps the loan as a percentage of the above factors and delivers a final combined amount.
3. How do you rank the loans?
Loans are ranked in order, from largest to smallest. When the loan amounts are the same, the system ranks them in price order, with the cheapest loan first.
4. Why do you only display four options on each menu?
Our initial testing showed that developers only looked at the top three or four loans. In most cases there are more lending options available, but they are more expensive or offer smaller loan amounts than the top four.
5. Why are there two results menus?
The first menu shows loans that match the net loan amount you requested, in price order. If no lenders are able to match your request, the menu appears blank.
The second menu, ‘alternative options’ shows you the largest loans available. It also shows ‘near miss’ loans that might need a larger deposit but are cheaper, with the potential to provide significant savings.
6. How does the Brickflow® loan application process work?
Once you have sourced a loan and want to make an application you will be asked to complete further details on the project; your development experience, a development appraisal and property schedule. This will be sent to the chosen lender for a pre-application finance approval (pre-app).
The lender will conduct a preliminary underwrite to give everyone confidence that the loan should be approved. Once we have pre-app approval then we submit a full application.
There is a fee of £ 995 payable to complete the full application.
For full details please look at our ‘How it works’ page.
7. How long does it take to get a loan?
Once you’ve selected a loan to apply for, we will make a pre-application for finance approval (pre-app). To do this we will need more information, namely; your development experience, development appraisal and a property schedule.
From selecting a lender to getting ‘pre-app’ approval, takes as little as a 2-3 days, providing you give us the information quickly. Once you have pre-app approval, there is a fee of £ 995 payable to complete the full application.
From paying the application fee to full credit approval, normally takes 2-3 days. We have managed to do it in 24 hours.
From credit approval to loan completion is mainly dependent on your professional team. If your QS and lawyer work quickly and collaboratively with the lenders professional team, you can complete 3-4 weeks after.
The industry standard to complete a development loan is close to 6 months. With good borrower co-operation Brickflow® can do it in 5 weeks from start to finish.
8. Do I have to make the application online?
No. Our Origination team are on hand to complete the application if you prefer. Please call us at any time if you want us to complete an application for you.
9. Why do you charge a commitment fee?
Preparing and submitting a development loan application is time consuming. To cover our time and to discourage less serious borrowers, we charge a small fee. The fee is refundable if the loan is not agreed.
However, the fee is not refundable if the loan is declined by the lender due to reasons of non-disclosure. Please call us if you need further clarification.
10. Which lenders are on the platform?
The founders of Brickflow® have decades of development finance experience between them. All of the lenders on Brickflow® are lenders that we have worked with multiple times before. They are long-established and well-known development lenders.