What we do
P1 Capital Partners is a boutique asset-management group focusing on asset backed lending. All lending is secured on UK property by a legal charge (1st or 2nd charge) up to 75% of the development value.
The value of the underlying security for debt investments may go up or down, and investors should ensure they understand any security arrangements which may be in place before entering into such investments.
Borrowers are typically property professionals and developers. In addition to the legal charge, personal and / or corporate guarantees are often obtained from borrowers.
We are an Appointed Representative of ShareIn. P1 Capital Partners carries out rigorous due diligence on all potential borrowers to protect investors.
We offer bonds to investors that have the option to receive Growth or Income. All our Bonds are IFISA eligible (including ISA transfers).
The value of the underlying security for debt investments may go up or down, and investors should ensure they understand any security arrangements which may be in place before entering into such investments.
Borrowers are typically property professionals and developers. In addition to the legal charge, personal and / or corporate guarantees are often obtained from borrowers.
We are an Appointed Representative of ShareIn. P1 Capital Partners carries out rigorous due diligence on all potential borrowers to protect investors.
We offer bonds to investors that have the option to receive Growth or Income. All our Bonds are IFISA eligible (including ISA transfers).
Investor Protection
All investors’ funds held in 3rd party accounts and controlled independently from P1 Capital Partners.Our Vision
We believe in offering a diversified , secured , asset backed investment opportunity to investors that also helps property professionals build more homes and address the current UK housing shortage.Innovative Finance ISA
Use your ISA to invest in P1 Capital Partners property bonds to enjoy good fixed returns on your tax-free ISA savings.
The Market
Asset backed lending
Lending Market
Demand for UK short-term lending in the property market has grown from around 0.9 billion in Sept 2012 to an estimated £4.3 billion in June 2017.
Historically, this demand was met primarily by traditional banks supported by alternative lenders. Many traditional banks have tightened their underwriting requirements for short-term lending and are focused on building capital reserves. The approval process and lending criteria of the banks that remain in this market is generally slow and bureaucratic.
Specialist alternative lenders like P1CP have a robust and streamlined lending process. We are able to reach decisions within days enabling borrowers to proceed quickly.Housing Shortage
It is estimated the UK needs to build 340,000 new homes per annum until 2031 to meet the current housing shortage. The Government is attempting to encourage developers to build more homes by improving the planning process and introducing incentives such as the Help to Buy scheme.
P1CP works with small developers (defined as under 10 million development value) to provide financing solutions.Investor Opportunity
The Market opportunity and current housing shortage present an opportunity for bondholders to receive a potential return secured against property. P1CP believes this investment is competitive compared with other returns in the market.
P1 Capital Partners has an experienced team with extensive property, legal and finance experience and disciplined risk management approach to protect bondholders and maximise the market opportunity.