Factored provides rent advances for UK landlords within 24 hours. Whether you need funding for EPC upgrades, property refurbishments, or cashflow management, we offer a fast, flexible alternative to traditional landlord loans. With a 90% approval rate and soft credit checks only, your credit score remains protected while you access the capital you need.
Unlike traditional lenders, Factored doesn't provide loans. We purchase your future rental income rights, meaning no debt appears on your balance sheet. This unique approach allows landlords to access between £10,000 and £50,000 without the restrictions of conventional financing. Since 2020, we've helped over 1,000 UK landlords fund property improvements, bridge void periods, and grow their portfolios.
Factored has established itself as a trusted partner for UK landlords seeking alternative finance solutions. Our streamlined process and dedicated account managers ensure every landlord receives personalised service from application to funding.
Learn more about UK landlord EPC requirements from the Government.
Rent advances from Factored can be used for virtually any landlord expense. Unlike restrictive business loans, our funding gives you complete flexibility over how you invest in your property portfolio.
Factored was founded by landlords who understood the frustration of dealing with traditional lenders. High street banks often reject landlord applications, while specialist lenders charge excessive fees and require extensive paperwork. We created a better alternative.
Our approach is fundamentally different from bridging loans, development finance, or traditional landlord mortgages. By purchasing rental income rights rather than lending money, we can offer faster decisions and higher approval rates.
Our application process takes just 10 minutes online. Most landlords receive a decision within hours and funds within 24 hours of approval.
Once approved, repayments are collected automatically from your rental income over your chosen term. If you want to settle early, we offer discounts with no early repayment penalties.
Don't just take our word for it. Here's what UK landlords say about working with Factored:
★★★★★ "Factored was a lifesaver! I used their financing for my EPC upgrade which wouldn't have been possible without them. The whole process was straightforward and the team kept me informed at every stage."
— Sebastian Harman, HMO Owner | £18,500 for EPC upgrade | November 2024
★★★★★ "So impressed by Factored's efficiency! I received a refurbishment advance within 24 hours - a real game changer for my property business. No other lender came close to this speed."
— Peter Michael, Director | £32,000 for refurbishment | October 2024
★★★★★ "Refreshing to experience financing with a personal touch. No robots or forms, just real people who understand landlord challenges. My account manager was fantastic throughout."
— Emily Banks, Landlord | £15,000 for portfolio expansion | September 2024
★★★★★ "Factored delivered an excellent service! Quick, reliable, and hassle-free. I've now used them three times for different properties and the service is consistently excellent."
— Mohammed H, Serviced Apartment Owner | £25,000 for cashflow | August 2024
Most landlords receive funds within 24 hours of completing their application and signing the agreement. Our fastest turnaround was just 4 hours from application to funds in your bank account.
No. Factored purchases your future rental income rights through a legal assignment. This is not debt and doesn't appear on your balance sheet or affect your debt-to-income ratios for future mortgage applications.
No. We only perform soft credit checks which don't impact your credit rating. Your credit score remains protected throughout the entire process.
All UK residential buy-to-let properties including HMOs, bedsits, student accommodation, council housing, and serviced apartments. Properties must have a signed AST with at least 6 months remaining.
Typically £10,000 to £50,000 per property depending on your monthly rental income and tenancy length. Landlords with larger portfolios can access higher amounts across multiple properties.
No. We actually offer discounts for early settlement, making it beneficial to repay ahead of schedule if your circumstances allow.
You'll need a signed Assured Shorthold Tenancy (AST) agreement, proof of property ownership, and bank statements showing rental income. Our team guides you through exactly what's required.
Ready to discuss your rent advance requirements? Our team of landlord finance specialists is available Monday to Friday, 9am to 6pm.
Phone: 0204 634 5816
Address: Sutton Yard, 65 Goswell Road, London, EC1V 7EN
Email: info@factored.co
Whether you're a single-property landlord or manage a large portfolio, we'd love to hear from you. Apply online in 10 minutes or call to speak with an account manager directly.
Apply for a Rent Advance Today