Refurbishing? Retrofitting?
Access Future Rental Income

As Seen in

nrla logo
property notify
the fintech times

Access Landlord Finance to Meet immediate Needs, Improve Tenant Living Standards and Reduce Carbon Emissions

Property Improvements​

By investing in refurbishments and repairs, you can effectively enhance tenant living conditions and significantly boost your property’s value. For example, by adding a new bathroom or redesigning the kitchen.​

Improve Energy Efficiency​

It’s estimated that 2 out of 3 UK rental properties are energy inefficient, leading to excessive carbon emissions and high fuel costs for tenants. Obtain upfront funding to carry out retrofitting.

Additional Funding

Secure funds for investments, purchases, and personal needs. For example, landlords can pay for personal repairs, legal fees, holidays, taxes, childcare costs, and other financial obligations.
Play Video

Try our Landlord Finance
Rent Factoring Calculator

I want to sell the rights to
Over a period of
18 months
Monthly Payment:
Total Repayable:
Total Fee:
Monthly factoring fee

Landlord Finance To Convert Future Rental Income Into Upfront Cash

your credit score

Affordable monthly fees
and improved cashflow

No hard credit checks
and inflation efficient

More flexible compared to traditional financing options

on early settlements

Inclusive of landlords
facing unique challenges

See our reviews
from hundreds of Landlords

Supported By

rise by barclays logo
aws startup loft
Slush 20
Open London logo

asked questions

Factored empowers landlords to unlock capital by selling their future rental income rights. Allowing landlords to meet their capital needs, elevate tenant living standards, and reduce carbon emissions from rental properties.

Factoring is a financial transaction that enables landlords to sell their future rental income in return for upfront cash. As a result, they can meet their immediate cash requirements and conveniently manage their payments through monthly installments. With increased available funds, landlords have the opportunity to invest in various ways to improve living conditions and reduce their carbon footprint. This includes initiatives such as retrofitting, undertaking refurbishments, covering service charges, maintenance and repairs and fulfilling tax obligations.

No Additional Debt:

Factoring is not a loan but a sale of rents receivable, ensuring landlords acquire immediate cash without incurring additional debt. As a result, financial liabilities to their balance sheet are avoided.

Enhanced Working Capital & Improved Cash Flow:

Factoring rent enables landlords to convert outstanding rental income into upfront cash, covering day-to-day operations and immediate financial commitments. Consequently, this flexible funding can address fundamental needs such as retrofitting, refurbishments, service charges, mortgage payments, tax obligations, and more.

Flexible Landlord Financing Option:

Factoring offers flexible financing compared to conventional bank loans or credit lines. This is because, the amount of funding correlates directly with monthly rent, allowing landlords to access more capital as their rental income grows. In other words, scalability accommodates changing financial requirements.

Inclusive Landlord Financing option
Factored caters to landlords facing challenges with traditional financing. For instance: landlords who have reached their borrowing limit against property value; encounter age-related mortgage restrictions; own unmortgageable properties (e.g., short leaseholds, flood-prone locations). In addition, they may face fixed mortgage periods, or experience reduced affordability due to dependents or income loss.
Landlord Finance with No Early Repayment Charges:

Landlords need their financing to be hassle-free! As such, Factored does not impose penalties for early repayment. In other words, landlords can repay the advance without incurring additional charges, offering flexibility and financial control. 


Factored caters to all landlords, especially those with properties rated D to G on the EPC scale. It also supports landlords with stable income who encounter financing challenges due to age restrictions, unmortgageable properties, existing personal loans, or changing circumstances, for example, welcoming a newborn.

Firstly upload the signed tenancy agreement and other relevant documents. For example, proof of address, government ID etc. Secondly, agree on the rent amount to sell. In other words, how much cash you want upfront, the repayment term and sign the Factored T&Cs.  Finally, you will receive a lump sum payment and allocate a portion of future monthly rent to the Factored account for the agreed repayment term.

Retrofitting and improving the Energy Performance Certificate (EPC) rating are crucial for landlords. This is because these measures enhance energy efficiency, reduce carbon emissions, increase property desirability and market value. Additionally, it ensures compliance with legal requirements and tenant expectations.

Yes! This is because Factored is designed to accommodate all landlords. Whether you have a single rental property or a diverse portfolio, Factored offers a non-debt based, flexible financing solution based on your rental income.

Absolutely! This is because Factored can be used for various property-related expenses. For example: service charges, mortgage payments, tax obligations, refurbishments, repairs, or any other capital needs that landlords may have. 

Get Started

We are here to support landlords! Click the button below to receive your rental income upfront.

Phone: 0208 050 5608

Office: Sutton Yard, 65 Goswell Road, London, EC1V 7EN

Factored is the trading name of Factored Technologies Limited. Registered in England and Wales with company number 14649122. Registered office: 167-169 Great Portland Street, 5th Floor, London, England, W1W 5PF

Factored is registered with the FCA, with registration number: 997958

Factored is registered with the Information Commissioner’s Office, with registration number: ZB556110

© Factored 2024. All rights reserved

Terms of Use | Sitemap

Have any questions?