Stamford Finance has passed £100m in total lending, marking a significant step for the specialist lender founded in 2022.
Stamford Finance has crossed the £100m threshold in cumulative lending, a milestone underpinned by a pragmatic, relationship-led approach and a willingness to take on cases that many high street lenders would turn away.
The lender has built a balanced loan book since launch, with residential transactions accounting for half of all completed deals. Average loans stand at £2.15m at 64.59% loan-to-value, with funding deployed across England, Scotland and Wales. Although around 30% of transactions have been in the South East, the firm’s activity remains national, guided by project fundamentals rather than geography.
DEVELOPMENT EXIT DEMAND
Development exit finance has become a particularly strong source of demand for Stamford Finance, complementing its activity across both bridging and development lending. Recent transactions illustrate its appetite for nuanced cases, including a £3.1m bridging loan secured against a Grade II listed wedding venue in Yorkshire — a property type often excluded outright by mainstream lenders.
Another example is a £1.97m development facility in Shepherds Bush, where the firm maintained its original pricing despite a year-long delay caused by planning issues and the need to coordinate with Transport for London. The case highlighted Stamford’s emphasis on honouring agreed terms even when timelines shift.
RELATIONSHIPS
Alongside its lending activity, Stamford Finance has sought to reinforce accessibility for brokers and developers, favouring direct engagement over inflexible credit processes. This emphasis on transparency and guidance has been a key part of the lender’s growth strategy through 2025.
The firm has also launched a podcast this year, offering practical advice to the development community. Its first episode, featuring development finance specialist Uliana Kuzmis, set out how applicants can strengthen funding proposals, reflecting Stamford’s intention to support borrowers beyond the transaction itself.
Peter Beaumont, director, said: “Breaking through £100m validates the approach we’ve taken from day one. We’ve deliberately positioned ourselves as a lender that developers and brokers can actually talk to — not just submit applications to.
“Our growth in 2025 has been particularly strong because we’ve been able to move up the LTV curve when the fundamentals justify it. Where banks see complexity and decline, we see an opportunity to apply discretion and common sense.
“That might mean supporting a Grade II listed property, maintaining pricing commitments through planning delays, or structuring around a borrower’s specific exit strategy.
“We’re using our own capital, so we can make decisions that reflect the reality of each deal rather than fitting everything into a standardised box. That’s proven especially valuable this year as developers have faced tighter constraints elsewhere in the market.
“With our book now well diversified and demand for development exit finance running particularly high, we’re focused on continuing to deliver the speed, flexibility and partnership approach that’s got us here.”
The firm’s £100m lending milestone comes during a period of heightened demand for specialist finance, as developers seek certainty and lenders capable of taking a tailored view on complex assets.
Pictured: (L-R) CEO Stuart Fraser, MD Daryl Cheetham, Account Manager Grace Beaumont and Director Peter Beaumont
