RAW Capital Partners: products, terms and eligibility

RAW Capital Partners is a UK provider of secured business loans. The legal entity named on its site is RAW Capital Partners Limited (lending through RAW Capital Secured Mortgage Funding Limited). It is based in St Peter Port, Guernsey. It gives its founding year as Not published.

RAW Capital Partners says it was founded in 2015 and launched the RAW Mortgage Fund, and describes itself as a specialist asset management business. It says it is owned by its founders alongside a consortium of investors led by Capricorn Capital Partners in London. The main base is in Guernsey, at Carinthia House, St Peter Port, where it says most of its team works. It states RAW Capital Partners Limited holds a Guernsey Financial Services Commission licence, and that RAW Capital Secured Mortgage Funding Limited is separately licensed.

In its own words on scale:

• Says its mortgage lending offers loans of £50,000 to £4,000,000 on residential property across the British Isles (figure on its site in October 2026).

Everything on this page comes from what RAW Capital Partners publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

RAW Capital Partners publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Term loans (UK residents): Interest-only lending offered; no early repayment charges, a flat fee applies to each capital repayment.

Term loans (UK residents)

Buy-to-let term lending for UK residents, including professional and accidental landlords. The site gives a maximum of 70% loan-to-value on residential property, with trusts and companies accepted as borrowers and no stated age or employment restrictions. Loans are secured by a first legal charge (or equivalent) over residential property and are unregulated lending.

Bridge loans (UK residents)

Short-term bridging for UK-resident landlords against residential property, with terms of up to 18 months and up to 70% loan-to-value. Loans are secured by a first legal charge (or equivalent) over the residential property.

Term and bridge loans (non-UK residents)

Mortgages for non-UK resident individuals, companies and trusts, secured by a first legal charge over UK residential property, and the lender also lends against Channel Islands residential property. The site gives loans from £100,000 to £4 million, up to 70% loan-to-value with a stated portfolio maximum average of 60%, and long or short terms.

RAW Capital Partners says its finance is used for:

• Buy-to-let purchase and refinance
• Bridging for professional landlords
• Bridging for accidental landlords
• Mortgages for non-UK residents buying UK property

Sectors and business types it says it funds:

• Residential property (buy-to-let and bridging)
• Professional and accidental landlords
• Non-UK resident individuals, companies and trusts

RAW Capital Partners publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Professional and accidental landlords, companies and trusts (UK residents).
• Non-UK resident individuals, companies and trusts for foreign-national lending.
• Security is a legal charge over UK residential property.
• Prefers completed residential property in good quality areas, mostly major towns and cities in the British Isles.
• States no age restrictions and no employment requirement.

RAW Capital Partners describes its process like this:

1. Choose the application form for a private individual (and joint borrowers) or for trusts and companies.
2. Submit it through the lender’s mortgages portal.
3. The lender considers each case on its merits.

Every application is subject to status and the lender’s own criteria at the time.

A secured business loan is borrowing backed by a charge over property or other assets. Security can mean a larger loan or a longer term than unsecured lending, but the asset is at risk if repayments are not kept up.

Lenders value the security and usually lend up to a set share of that value, so allow for valuation and legal work. Read how to compare business loan lenders before weighing a secured offer against an unsecured one.

Points RAW Capital Partners publishes that are worth knowing:

• Regulated in Guernsey by the GFSC, not shown as FCA-authorised on its site.
• Lending is described as unregulated and secured by a legal charge over residential property.
• Lends against residential investment property, not general trading-business assets.
• States it does not use a mortgage-style early repayment charge but charges a flat fee per capital repayment.

Security and guarantees

Loans are secured by a first legal charge (or equivalent) over residential property. The site describes the lending as unregulated.

RAW Capital Partners’s site states: “RAW Capital Partners Limited is licensed and regulated by the Guernsey Financial Services Commission ('GFSC') under licence number 2101792 under the Protection of Investors Law and Lending, Credit & Finance Law. RAW Capital Secured Mortgage Funding Limited is licensed and regulated by the GFSC under licence number 2769746.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of secured business loans with profiles here include Time Finance, Together and 4Syte. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.