Private Secured Credit
Private secured credit when timing matters.
Kensington Private Credit provides short-term, business-purpose secured lending for companies and property-backed borrowers who need speed, certainty and a clear route to repayment.
We focus on low-LTV opportunities with strong security, clear ownership and a credible refinance or sale exit.
Underwriting posture
Illustrative only. Every facility is priced against security, exit and title — not headline valuation. Actual terms are case-specific and confirmed in the facility letter.
What We Fund
Secured lending for situations that can't wait on a bank.
Business-purpose only. Every facility is secured against UK property or company assets with a defined exit.
Business cashflow
Short-term working capital secured against property assets, bridging a defined gap in trading cashflow.
Urgent refinance
Replacing an existing facility against a hard deadline, where a mainstream lender can't move fast enough.
Completion pressure
Funding to meet an exchange or completion date where the alternative is losing the transaction.
Tax & HMRC
Secured funding to meet a tax liability or HMRC deadline without disrupting the underlying business.
Developer exits
Bridging between practical completion and unit sale or refinance, secured against the completed asset.
Short-term secured liquidity
General business-purpose bridging where security, exit and ownership are clear and well-evidenced.
Security & Criteria
What we lend against.
- ✓ UK limited company or body corporate borrower
- ✓ Secured against UK property or company assets
- ✓ Conservative loan-to-value — capital protection first
- ✓ Clear, credible exit — refinance or sale
- ✓ Confirmed ownership and authority to grant security
- ✓ Business purpose only — not consumer lending
Process
How it works.
A desktop, evidence-led route where the risk profile supports it — KPC can require valuation or inspection at its discretion.
Enquiry
Tell us the security, the amount and the exit. We give an early indication before any cost is incurred.
Title & security check
Desktop title, ownership and valuation evidence reviewed — site visit only where the risk profile requires it.
Offer
Terms confirmed in writing: advance, rate, fees and the conditions to completion.
Solicitor & legal pack
Facility letter and security documents issued through the appointed lender solicitor.
Completion
Funds released once security, title and legal conditions are satisfied.
Refinance / exit
We work the facility toward its agreed exit — refinance or sale — from day one.
For Brokers
Introduce a case to Kensington Private Credit.
We work with brokers on qualifying secured business-purpose cases. Clear terms, a defined commission route, and a lender solicitor process built for speed.
Submit a caseBroker route
- Submit a case for an early indication
- Broker mandate confirms terms before introduction
- Commission route set out in writing, per case
- Direct line to underwriting — no call centre
Legal & Compliance
Business-purpose lending, clearly presented.
- Kensington Private Credit provides unregulated, business-purpose secured lending to UK limited companies and body corporates. It is not consumer credit.
- Kensington Private Credit is not authorised or regulated by the Financial Conduct Authority, and is not represented by the NACFB.
- Borrowers are strongly advised to take independent legal advice before entering into any facility.
- All facilities are subject to satisfactory title, security, valuation and legal due diligence. KPC may rely on desktop evidence where appropriate but can require a valuation or site visit at its sole discretion.
- The borrower or charging party must confirm it is the legal and/or beneficial owner of the security and has full authority to grant the charge, with no undisclosed interests.
Get In Touch
Start a conversation.
Apply for funding
Tell us the security, the amount and the timeline.
loans@kensingtoncredit.comSubmit a case
Introduce a qualifying secured business-purpose case.
enquiries@kensingtoncredit.com