Invest & Fund

Invest & Fund Invest & Fund is a credit-led alternative finance platform connecting lenders with UK residential property developers.

We are a credit-led alternative finance marketplace helping individuals, high net worth lenders, private banks, family offices and institutions achieve attractive risk-adjusted returns by lending to carefully chosen residential development projects. Our 790+ registered lenders benefit from our rigorous assessment of borrowers and projects, and the opportunity to lend to individual loans and receiv

e the full risk-adjusted return minus a 0.75% lender fee. Our borrowers and brokers benefit from our singular focus on residential bridge and development finance, our exceptionally strong credit structuring skills and our flexible approach to helping finance residential development projects. We started in November 2012 and switched exclusively to residential property finance in 2015. We are led by a Board with substantial experience at the highest levels in banking, property finance and peer-to-peer lending, and a Credit Team with deep expertise in credit assessment. Today we are a team of 30+, with the shared ambition to deliver clear, well-researched lending opportunities that deliver a return for property lenders and stable finance for developers. We’ve successfully funded every project we’ve published to our marketplace, and repaid full capital and interest for every residential project we've completed. Find out more and register at investandfund.com. Please remember that lending places your capital at risk.

Several years ago now, in an impassioned blog piece (that we sadly can’t even blame on an A.I. hallucination as it pre-d...
09/06/2026

Several years ago now, in an impassioned blog piece (that we sadly can’t even blame on an A.I. hallucination as it pre-dated the technology), we theorised that the key to unlocking some of the housing situation would be a leap into the Grey, a revitalisation of Britain's industrial past, producing the housing of Britain's future.

Read more below!

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Several years ago now, in an impassioned blog piece (that we sadly can’t even blame on an A.I. hallucination as it pre-dated the technology), we theorised that the key to unlocking some of the housing situation would be a leap into the Grey, a revitalisation of Britain's industrial

09/06/2026

In this week's blog, we take a closer look at one of the single most operationally significant third parties in any residential development loan: your client gets the headlines, the site gets the scrutiny, but what about any contractors involved? Often treated as a footnote in the early analysis of

In the first-ever NACFB Expo edition of Commercial Broker, we talk about managing client relationships and expectations ...
01/06/2026

In the first-ever NACFB Expo edition of Commercial Broker, we talk about managing client relationships and expectations and being brave enough to have tough conversations with them when things don't make sense.

Read more below 👇

This 84-page special issue brings together sector commentary, lender insight, exhibitor highlights, conference theatre previews, and a closer look at why the NACFB Commercial Finance Expo continues to matter to the broker-led lending community.

We chatted to The Intermediary about the evolution of our sector, the growing role of specialist development finance pla...
26/05/2026

We chatted to The Intermediary about the evolution of our sector, the growing role of specialist development finance platforms & why broker relationships remain central to building long-term investor confidence in a maturing market.

Read more below!

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The Intermediary speaks to Alan Fletcher of Invest&Fund about the evolution of peer-to-peer (P2P) lending.

In this week's blog, we examine the effect of an A.I. economy on the housing market, focusing on recent media reports th...
18/05/2026

In this week's blog, we examine the effect of an A.I. economy on the housing market, focusing on recent media reports that "A.I. Job losses could break the housing market" by diminishing the buying power of the white-collar class.

We don't think that's the case, and we outline our reasoning below!

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One article that caught our eye recently was a punchy piece in The Telegraph weighing in on artificial intelligence, with the kind of headline that sends a chill through anyone in the housing industry: AI job losses, it warned, could break the housing market, and begin the long-deferred equity apoca...

Family offices tend to want “fixed income-like characteristics”, i.e predictable returns, capital preservation, and limi...
12/05/2026

Family offices tend to want “fixed income-like characteristics”, i.e predictable returns, capital preservation, and limited correlation to public markets.

Our asset class, with real security behind it, provides returns that reflect the actual risk being taken, and an underlying economic function that most investors can feel good about.

Read more below!

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With inflation rising and rate increases on the cards for later this year, how far theoretically could the Iran war push...
06/05/2026

With inflation rising and rate increases on the cards for later this year, how far theoretically could the Iran war push up UK Homebuilding costs, and what will the long-term impact of this situation look like?

It may be a sustained squeeze on margins and starts, but the developers who will navigate this best are not the ones waiting for certainty; they are the ones seeking out the best partners now.

Read more below!

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In this week's blog, we start as we often do with a question, one that a lot of our clients have been pondering, and perhaps one where many may not like the answer. With inflation rising and rate increases on the cards, how far theoretically could the Iran war push

The honest truth about development finance lending right now is this: conditions are better than in previous years, but ...
14/04/2026

The honest truth about development finance lending right now is this: conditions are better than in previous years, but they are not easy.

The lenders who will succeed are those who can apply rigorous underwriting without losing sight of the bigger picture, that the UK genuinely needs more homes, that SME developers are the ones most likely to build them, and that capital deployed well into good-quality schemes is capital that does real, measurable good.

Read more below!

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In this week's blog, we are leaning into some truths that always make for an interesting read: call it an honest health update on the market, a frank look at what's making life difficult for development finance lenders and why pretending otherwise helps nobody! There's a version of this piece

Nine billion is a really, really big number. It's the amount of developer contributions, currently sitting unspent in lo...
09/04/2026

Nine billion is a really, really big number.

It's the amount of developer contributions, currently sitting unspent in local authority accounts across England and Wales, according to the Home Builders Federation findings.

Capital only creates value when it moves, and this is a principle of our sector.

Read more below!

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Nine billion is a really, really big number. It’s not the UK's housing deficit. It's not the infrastructure funding gap. It's not even a government budget line. It's the amount of developer contributions, which is essentially money paid by housebuilders as a direct condition of planning permission...

The last day before the Easter break, and finally a chance to catch our breath after an incredibly busy Q1!  We will be ...
02/04/2026

The last day before the Easter break, and finally a chance to catch our breath after an incredibly busy Q1!

We will be closed from tomorrow & over the bank holiday, returning on Tuesday 7th April.

At Invest & Fund, we’re reminded that growth doesn’t happen overnight. It’s built step by step, with the right support, clear direction, and confidence in what’s ahead.

We’re grateful to be part of our clients’ journeys and to support them in building a stronger financial future.

Wishing you a relaxing Easter filled with positivity, fresh perspective, and time well spent with those who matter most.

And plenty of chocolate!

Address

117 Piccadilly
London
W1J7JU

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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