Landlord Loans

Receive Up To £10,000 Upfront

With Factored, we offer an advance on your rental income and you can use this cash to serve your customers, improve your properties or grow your portfolio. You can check your eligibility using our online form and once we have confirmed your details and run some checks, you can receive up to £10,000 within 24 to 48 hours.

whilst not a traditional landlord loan, we offer a rent advance which can be used in the same way

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

Carry out retrofitting to make your property more energy-efficient and reduce carbon emissions through solar panels, water tanks, heat pumps and more

Free Up Capital

cGet access to cash for important purchases and personal needs. Landlords use Factored to pay for personal repairs, legal fees, holidays, taxes, childcare costs and other financial committments

Read Our Testimonials

Try our Landlord Loan Calculator

I want to sell the rights to
£3000
Over a period of
18 months
13.47
12.84
12.49
12.15
11.79
6
10000
18
Monthly Payment:
£96.00
Total Repayable:
£4,608.00*
Total Fee:
£1,458.00
Monthly factoring fee
1.01%

As Seen in

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How Are We Different?

We do not offer traditional landlord loans but rather we buy your rental income and provide advances on this. The amount you can borrow correlates directly with your monthly rent, so you can potentially borrow more money as your income grows. 



Our product is known as ‘factoring’ where you use a percentage of future sales for immediate use - whether it is for making your properties more energy-efficient, valuable or sustainable.

We offer an extremely flexible payment facility, allowing you to unlock your future rent income and use this as working capital.


Our business has been built with landlords in mind, with no early repayment charges, no hard checks and no impact to your credit score.

What is The Criteria For a Landlord Loan?

 

Select loan amount

 

Confirm property information and show proof of ownership, rent, income and ID  

 

Undergo internal checks

 

Receive funds in 24-48 hours once approved

Use Landlord Loans For EPC Changes & Reduce Carbon Emissions

With 2 out of 3 properties in the UK considered to be energy inefficient, landlord loans provide a practical way to use money to upgrade the energy efficiency of the property. From adding different white goods, utilities, windows, solar panels and more, this can reduce the monthly running costs and bills for the property whilst increasing its overall value long-term.

Why Use Factored For Landlord Loans?

We are known for our quick decisions and fast funding. Factored is here to address the personal needs of landlords across the UK, whilst providing very affordable finance and flexibility when it comes to repayment.

 

Factored is delighted to accept a number of different types of properties and demographics, including those with small or large portfolios, customer ages, locations and unmortgageable properties.

 

There are no early repayment charges and discounts for early settlements.

Frequently asked questions

We offer up to £10,000 to landlords based on the amount of monthly rent that they are willing to factor. Your loan amount is based on a percentage of your monthly rent.

We aim to make decisions as quickly as possible. Assuming that we receive all the necessary paperwork, have run checks and can approve your loan asap, we aim to transfer funds within 24 to 48 hours.

We consider all types of properties in the buy to let space that are residential. This includes HMOs, bedsits, student accommodation, council homes and more.

No, we do not run hard checks and applying for a landlord loan with Factored will not impact your credit score in anyway.

We operate across the whole of the UK, Wales and Scotland including Brighton, Birmingham, Cardiff, Coventry, Dundee, Edinburgh, Glasgow, Leeds, Leicester, Liverpool, Manchester, Newcastle, Nottingham, Sheffield and more. 

Supported By

Natwest-Entrepreneur-Accelerator
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aws startup loft
sfc-capital
Slush 20
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Get A Quote Now

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