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Evolve Lending Group logo

Evolve Lending Group

Trusted and Intelligent Finance.

Bridging

Max LTV

75% (of market value)

Interest from

0.79% pcm

Loan size

£27,500–£3.5m

Term

1–24 months (RCFs up to 36)

Charges

1st and 2nd

Areas

England and Wales

Who they are

Evolve Lending Group is an independent principal lender operating with an exclusive joint venture with Empowered Pensions Group. Backed by an experienced team, we deliver trusted, intelligent secured finance built on rapid execution and clear communication to complete deals efficiently. We do not fund development or refurbishment finance. We prioritise a tailored approach, lending to unique structures, UK trading businesses, entrepreneurs and property professionals. Clients benefit from market-leading incentives, including free standard valuations, alongside complete pricing transparency with zero hidden application, valuation, legal, exit, or default costs across every deal.

Their ethos

Our ethos centers on transparency, agile execution, and absolute principal certainty. Backed by pension-led funding via Empowered Pensions Group, institutional funding lines and robust private capital, we enter the 2026/27 period fully capitalised with substantial funds ready for immediate deployment. We believe borrowing should be straightforward, eliminating hidden costs and bureaucratic friction to build lasting broker and borrower relationships. As part of our wider corporate responsibility, we embed responsible lending practices across our credit framework, actively integrating ESG principles by prioritising paperless digital processes, supporting energy-efficient security assets, and conducting thorough governance checks across all partner operations.

What they specialise in

Evolve Lending Group specialises in bespoke secured property finance for unique lending structures, UK trading businesses, entrepreneurs, and property professionals. We deliver standalone first-charge short- to mid-term bridging over £750,000, and below £750,000 equitable, second-charge short- to mid-term bridging, and tailored revolving credit facilities. Please note: We do not fund development or refurbishment schemes.

Contact

124 City Road, City of London, EC1V 2NX

www.evolvelending.co.uk

enquiries@evolvelending.co.uk

Lending criteria

Funding model
Private, pension and institutional lines
FCA regulated
FCA Annex 1 registered
Fixed/variable interest
Always fixed
Treatment of interest & default interest
Retained, part-and-part or serviced, charged pro rata per month; RCFs charge pro rata per day
Sectors
All sectors considered
Max LTGDV
N/A
Max LTC
N/A
Min property value
£100,000
Valuation retypes
Yes
Rental calculations & exposure
N/A
Types of valuation accepted
AVMs, desktops, retypes, Red Book
New builds
Yes
Heavy refurb
No
Grade listed buildings
Yes
Green/sustainable product
No
Planning permission needed
N/A
Commission rate
From 1% or as agreed
Associations/charters
BDLA
Types of landlords accepted
Limited companies, individual and portfolio
Upfront fees
Yes (£750)
Broker portal
No
Early redemption charges
No
Investment
Yes
Owner occupied
Yes
Electronic signatures accepted
Yes
Lending on land
No

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

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