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About HBI Capital
A privately funded bridging lender, run by a small team who know every deal. Our capital is our own, so the people who answer your call are the people who decide the loan.
100%
Privately funded
£40m+
Lent to date
150+
Loans completed
In-house
Valuations
Privately funded
◆
In-house valuations
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Dual representation
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Personally managed
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Privately funded
◆
In-house valuations
◆
Dual representation
◆
Personally managed
◆
Why we do this
There is a pattern in bridging. A new lender arrives, hungry and flexible, funding good deals on their own merit. Then they grow, take a large bank funding line, and the freedom disappears. The bank sets the rules, and the broker who once loved them starts to think, “good lender, but they won’t get this one through.”
We started HBI Capital because we did not want to become that lender. We took a deliberate decision to stay privately funded, so the only people who decide what we lend on are the people who answer your call. That is the whole idea. Stay flexible, stay fast, stay personal.
See what we lend on →Our own capital
Private funding means no third party to consult before we commit, so a deal with a wrinkle still gets a fair, commercial hearing.
Decisions in the room
No credit committee queue, no handing your deal to a department. You speak to a principal and get a straight answer, usually the same day.
Built for speed
We value our own security and use one solicitor for both sides where it helps: less cost, less delay, funds when your client needs them.
A different kind of ambition
Growth, for us, means staying personal. It’s a deliberate approach: as we grow, the principals stay closely involved in every deal, so the relationship you have with us today is the relationship you’ll have next year and beyond.
The people behind the deals
John Blahuta
Co-Founder, HBI Capital
HBI Capital is led by its founders, who bring a background in finance and bridging finance to every lending decision. When you deal with HBI, you deal directly with the people who decide.
When you deal with HBI, you deal with the decision-makers directly, not a department, and not a queue.
One point of contact
The same principal from first call to completion.
Senior finance backgrounds
Finance, strategy and executive experience across the table.
How we think about lending
01
A clear, credible way out is what makes a short-term loan work.
02
We lend against the asset and the story, not a rigid checklist.
03
We value in-house, so our answers are quick and commercial.
04
We are straight about what we can and cannot do: a fast, honest no is worth more to a broker than a slow maybe.
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We wanted to build the lender we would have wanted to deal with. That means keeping the book small enough to know every deal on it.
The founders · HBI Capital
If you place bridging deals, come and see how we work: properly, personally, and on the merits of the deal.
