About Products Team MERA IM Enquire
Short-Term Real Estate Finance

Capital that moves
as fast as you do

Acquisition and refurbishment loans from £250,000 to £5,000,000. Decisions by lenders, not committees.

Apply Now Our products
0.80%
From per month
£5,000,000
Maximum loan
24hr
Credit response
—Acquisition Loans
—Refurbishment Finance
—Residential & Commercial
—£250,000 – £5,000,000
—From 0.80% pcm
—Terms to 24 months
—UK-Wide
—Part of MERA Investment Management
—Acquisition Loans
—Refurbishment Finance
—Residential & Commercial
—£250,000 – £5,000,000
—From 0.80% pcm
—Terms to 24 months
—UK-Wide
—Part of MERA Investment Management
Who We Are

Precise lending.
Exceptional service.

MERA Capital is the short-term lending arm of MERA Investment Management — a specialist real estate finance firm with over 250 years of combined team experience.

We focus on the UK bridging market, financing acquisitions and refurbishments across residential and commercial real estate. Backed by private capital, we move decisively where others hesitate.

⚡
Speed
Credit decisions in 24 hours. Completions in 5–10 working days.
🎯
Certainty
Indicative terms that convert to formal offers reliably.
🤝
Relationships
Long-term partnerships with borrowers and brokers.
🏛
Experience
Over £1bn deployed across every market cycle.
Our Products

Finance structured
around your deal

01
Acquisition &
Refinance
Fast, flexible finance for residential or commercial acquisitions — auction, off-market or conventional. Pre-approved facilities available for time-critical purchases. Dual representation considered on certain deals.
Loan Size£250,000 – £5,000,000
LTVUp to 75%
RateFrom 0.80% pcm
Term1 – 24 months
Enquire →
02
Light
Development
For borrowers adding value through renovation, conversion or change-of-use. Funds released in tranches aligned to construction milestones.
Loan Size£250,000 – £5,000,000
LTGDVUp to 75%
RateFrom 0.80% pcm
Term3 – 24 months
Enquire →
03
Medium & Heavy
Refurbishment
For larger, more complex refurbishment and conversion projects. We finance extensive structural works, multi-unit conversions and change-of-use schemes where others step back.
Loan Size£250,000 – £5,000,000
LTGDVUp to 70%
RateFrom 0.80% pcm
Term6 – 24 months
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Need more than £5,000,000?
Our parent company, MERA Investment Management, funds loans from £5,000,000 to £50,000,000 across UK real estate.
Visit MERA IM →
The Team

Lenders with
genuine experience

Over £1 billion originated across every market cycle. You deal directly with the decision-makers.

Edward Matthews
Edward Matthews
Chief Executive Officer
UK real estate lender since 2007. Over £700m of transactions completed. Leads the lending team and credit committee.
Antony Iannaccone
Antony Iannaccone
Chief Investment Officer
25+ years in real estate lending and structured finance. Over £400m of senior and mezzanine capital deployed.
Leo del Rosso
Leo del Rosso
Associate Director
8 years at Close Brothers, originating £250m+ of short-term and development loans. Handles origination, underwriting and loan management.
Frank Pennal
Frank Pennal
Non-Executive Chairman
19-year CEO of Close Brothers Property Finance. Grew the loan book from £150m to £1.7bn. Provides strategic guidance to the MERA board.
Part of MERA IM

Backed by institutional
capability

MERA Capital is the short-term lending division of MERA Investment Management — established with a single family office with roots dating to 1933.

MERA IM provides structured finance from £2m to £50m across senior lending, medium-term loans and preferred equity. MERA Capital extends that into the £250,000–£5,000,000 bridging market.

Visit MERA Investment Management →
Group Lending
£350m+
Financed
250+
Years combined experience
12
Team members
118 Piccadilly, London, W1J 7NW
Get In Touch

Tell us about
your deal

📍
Address
118 Piccadilly, London, W1J 7NW
✉
Email
📞
Telephone
0207 569 6835
⏰
Response Time
Credit decisions within 24 hours
Broker Enquiries
We work closely with brokers and pay competitive procuration fees.