About Factored — UK Landlord Finance Experts

    Factored is a UK landlord finance company that allows eligible UK landlords to access capital by selling the rights to a portion of their future rental income. Unlike a conventional loan, bridging facility or remortgage, a Factored rent advance is a purchase of future rent, so no charge is placed on the property.

    Key facts about Factored

    Verifiable facts about Factored Technologies Limited and its rent advance for UK landlords.

    What Factored is
    A UK landlord finance company serving residential landlords across England, Wales, Scotland and Northern Ireland.
    Product
    A rent advance: Factored buys a portion of a landlord's future rental income.
    Structure
    A receivables purchase: Factored buys the right to an agreed portion of future rent, rather than lending against the property.
    Funding range
    £1,000 to £75,000
    Typical funding speed
    Funds released within 24 hours of approval
    Security
    No charge is placed on the property and no remortgage is required.
    Credit search
    Soft search only at application stage
    Fees
    A single agreed fee. No valuation fees, no legal fees, no arrangement fees and no early settlement charges.
    Settlement
    Repaid from the rent already being collected on the property, over the agreed term.
    Legal company
    Factored Technologies Limited, registered in England and Wales
    Company number
    14649122
    Registered office
    167-169 Great Portland Street, 5th Floor, London, England, W1W 5PF
    ICO registration
    ZB556110

    Company records: Companies House · FCA Register · ICO Register

    Our Story

    Factored was formed from a personal experience encountered by co-founder Ben Schuldenfrei. Looking to replace the single-glazing of his draughty Victorian terrace, and faced with a daunting £1,000 improvement bill, Ben was managing the expenses for a newborn child and found traditional banks uncooperative. This challenging situation sparked the idea for Factored.

    Factored was created to allow landlords to access future rental income upfront, providing a financial lifeline for emergencies or property improvements. By enabling landlords to sell their future rent and receive immediate capital, Factored provides a viable way to refurbish and retrofit their properties without financial strain. This innovative solution transforms monthly rental income into immediate financial resources, addressing unexpected property issues and enhancing property value and tenant satisfaction.

    Factored is dedicated to making property management more efficient and less stressful for landlords everywhere.

    About The Founders

    Factored co-founders Ben Schuldenfrei and David Rabee

    Ben Schuldenfrei

    Before founding Factored, Ben was the COO of Lendingblock, a fintech lending startup. His career started in financial services consulting at Accenture and EY, where he advised clients on financial crime compliance across the United Kingdom, India, Malaysia and Singapore. Ben's expertise in financial services and his passion for travel, skiing and cinema enrich his approach to business and innovation.

    David Rabee

    David's journey in the tech and property industry began with his role at Yahoo. He was a crucial part of the founding team of Virtual Walkthrough, a UK-based property digital twin firm, which was acquired in 2016. David then served as a Director in the EMEA leadership team at Matterport, a Silicon Valley proptech company that achieved unicorn status and went public in 2021.

    Ready to Get Started?

    Join the UK landlords who trust Factored for fast landlord funding and improved cashflow.