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Novellus Finance (Novellus Limited) is a private lender based in Bromley, UK. Its core business is not payment acquiring, but asset-backed bridging finance for property investors and businesses. The website emphasizes that its loans are unregulated loans, typically secured against property, land, or other assets, with loan amounts starting from £500,000. The homepage states that funding can exceed £50 million, while some pages say there is no upper limit.
Its products cover auction finance, Buy-to-Let, land acquisition, commercial property loans, property refurbishment, development projects, and portfolio expansion. Novellus’ main differentiator is that it lends from its own capital and does not rely on external funding lines or external credit committees. This allows borrowers to communicate directly with decision-makers, with completion possible within 48 hours in some cases; the land bridging loan page also states that approval may be granted on the day of application. Its underwriting approach is flexible, and it may consider land with or without planning permission, uninhabitable or non-standard properties, imperfect credit, and, with strong sponsor support, 100% asset finance or unsecured loans.
The website does not publicly disclose specific interest rates or maximum LTVs. It only states that rates depend on factors such as the borrower’s credit profile, LTV, property location and condition, and loan term. Borrowers also need to account for costs such as arrangement fees, valuation fees, insurance, legal fees, and exit fees. The Buy-to-Let and land pages mention no early repayment fees, though interest may still be payable during the repayment notice period.
The advantages are fast decision-making, strong certainty of funds, and a high level of acceptance for complex property assets, making it suitable for transactions where traditional banks are too slow or standardized products cannot provide coverage. The drawbacks are limited cost transparency and the fact that the loans are unregulated. The website explicitly states that it is not authorized by the FCA to provide regulated mortgage contracts or other regulated lending activities, and is supervised by the FCA only for anti-money laundering purposes. Using property as security also means the asset is at risk in the event of default.
It is better suited to experienced property investors, developers, auction buyers, commercial property acquirers, and finance introducers in the UK and Irish markets. It is not suitable for users looking for consumer loans, regulated residential mortgages, payment gateways, or API acquiring services.
The crawled text does not provide information on access from mainland China, so the status is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on novellusfinance.com official site.
novellusfinance.com is an United Kingdom Finance provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach novellusfinance.com directly.