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Cohort Capital

More flexibility, more speed, more transparency.

BridgingRefurbishmentLends on Land

Max LTV

75%

Interest from

0.75% pcm

Loan size

£1m–£50m

Term

3–36 months

Charges

1st and 2nd

Areas

England, Wales, Scotland and Northern Ireland (and Europe)

Who they are

Cohort Capital is a leading short-term real estate finance provider, delivering rapid, flexible funding across the UK property sector since 2019. Founded by debt finance specialist Matt Thame and investor Bal Sohal, we leverage over 100 years of combined experience. Backed by institutional and family office capital, we provide tailored bridging finance from £1m–50m. Our equity-based approach, private capital structure and sector expertise allow us to assess assets and sponsors, access off-market opportunities and commit quickly, often closing deals in just over two weeks.

Their ethos

Cohort Capital is a pragmatic, solutions-led lender focused on certainty, speed and execution. We take a commercially driven, common-sense approach, supporting both straightforward and more complex transactions where challenges may sit with the borrower, asset or strategy. Decisions are made quickly and in-house, with terms issued directly from our investment committee and final approval from the founder. With no third-party funders or hidden constraints, we offer true discretion, flexibility and certainty of execution, designing lending solutions around what borrowers actually need, not rigid criteria.

What they specialise in

Cohort Capital specialises in bespoke bridging finance, delivering fast, decisive funding with full credit-backed commitment. We focus on delivering tailored solutions and have the ability to consider assets, sponsors and strategies that sit outside a traditional lender’s requirements.

Meet the team

Matt Thame

CEO and Co-Founder

matt.thame@cohortcapital.co.uk

Dipen Patel

Chief Commercial Officer

dipen.patel@cohortcapital.co.uk

Robert Pritchard

Chief Investment Officer

robert.pritchard@cohortcapital.co.uk

Contact

Lending criteria

Funding model
Family offices, investors, institutional and proprietary capital
FCA regulated
No
Fixed/variable interest
Fixed or variable
Treatment of interest & default interest
Retained or serviced; default interest rates agreed on a case-by-case basis
Sectors
All residential and commercial sectors considered
Max LTGDV
70%
Max LTC
90%
Min property value
No minimum
Valuation retypes
Yes
Rental calculations & exposure
Agreed on a case-by-case basis
Types of valuation accepted
Red Book and retypes
New builds
Yes
Heavy refurb
Yes
Grade listed buildings
Yes
Green/sustainable product
No
Planning permission needed
Lending assessed on a current use value
Commission rate
Up to 2%
Associations/charters
N/A
Types of landlords accepted
Individuals, UK and offshore corporate entities
Upfront fees
Yes
Broker portal
No
Early redemption charges
Agreed on a case-by-case basis
Investment
Yes
Owner occupied
No
Electronic signatures accepted
Yes
Lending on land
Yes

Read more

All news

Lender information courtesy of The Lender Index by Bridging & Commercial.

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