Bridging the Capital Gap for Tradespeople
You have the skills to renovate a property at half the cost of an investor, but you lack the capital stack to buy the site. We provide the bridging and development finance to make your projects happen.
Your Skills + Our Capital = Maximum Profit
As a builder, electrician, plumber, or general contractor, you have a massive unfair advantage in the property market. While an armchair investor has to pay top-dollar for labor and project management, you can execute a heavy refurbishment at a fraction of the cost.
The Missing Piece: The Capital Stack
The frustration is clear: you see dilapidated properties every day that you know you could turn a massive profit on, but you don't have the £100k+ deposit required to secure the site.
How Phantom Finance Can Help
We specialize in structuring high-leverage short-term finance for people with proven trade experience:
- 100% Development Finance: If the deal is strong enough and you own the site, we can often source 100% of the build costs.
- Bridging for Uninhabitable Properties: High-street banks won't lend on a house without a working kitchen or bathroom. We have access to bridging lenders who thrive on these exact projects.
- Joint Venture (JV) Structuring: We can help you structure the numbers so you can present the deal to private equity investors, matching your 'sweat equity' with their cash.