CapitalRise review
Prime real estate development finance.
Last reviewed May 2026 · by Gareth Hoyle
How we're funded: some links to providers may be affiliate links, which means we could earn a commission at no extra cost to you. This never affects our ratings or what we write. See our affiliate disclosure and review methodology.
Gareth Hoyle · Founder & Editor
Reviewed May 2026. Independent researcher, not a financial adviser. About Gareth
CapitalRise at a glance
- Target rate*
- Target rates on individual loans
- Min. investment
- £1,000 per loan
- Security
- Prime property development loans
- IFISA available
- Yes
- Transfers in
- Yes
- Established
- 2016
⚠ Figures unverified: confirm against CapitalRise's Key Investor Information before publishing.
What is CapitalRise?
CapitalRise is a UK platform specialising in prime property development finance. Investors collectively fund loans to developers of high-end residential and mixed-use schemes, primarily in London and the Home Counties, and earn interest secured against the property. Its Innovative Finance ISA lets eligible investors hold those returns tax-free.
Who can invest
This is the most important thing to understand before you go further: CapitalRise only accepts investors who self-certify as High Net Worth or Sophisticated investors, or who invest as a company. It is not open to the general retail public in the way most platforms in our comparison are. If you are unsure whether you meet that categorisation, that is a strong signal to take independent advice first.
How the CapitalRise IFISA works
Eligible members can open an IFISA and invest in qualifying development opportunities from a relatively low per-deal minimum. The ISA is administered through a third-party ISA manager, and you can transfer in existing ISAs. You choose which individual projects to back, so your outcome depends heavily on the specific deals you select.
Rates and getting your money back
Target rates are set per project and reflect the higher risk of development lending. These loans run to a fixed term tied to the development completing and selling or refinancing, and there is limited scope to exit early. Confirm current rates, terms and any liquidity options with CapitalRise directly.
The risks to understand
Development finance carries real, concentrated risk: projects can overrun, costs can rise, and property values can fall, any of which can delay repayment or cause losses. Your capital is at risk and the money is not FSCS protected. Security against the property helps recovery but does not remove the risk. Read our risk warning before relying on any headline rate.
Pros
- + Focus on prime real estate in London and the Home Counties
- + Loans secured against the underlying property
- + Founders state they co-invest their own money in projects
- + IFISA available with transfers in accepted
Cons
- − Open only to certified High Net Worth or Sophisticated investors
- − Development finance is higher-risk than income lending
- − Illiquid: limited options to exit before a loan repays
- − Exposure concentrated in property development
- − Not covered by the FSCS
Our verdict
CapitalRise lets investors back prime property development, mostly in London and the Home Counties, with loans secured against the underlying real estate. The important catch is access: it is open only to people who certify as High Net Worth or Sophisticated investors, not the general public. Development finance can deliver attractive headline rates but it is higher-risk and illiquid. Your capital is at risk, returns are not guaranteed, and the money is not FSCS protected.
Visit CapitalRisePlain link: no affiliate relationship in place. Capital at risk. Not FSCS protected.
About the author
I have worked in search and online publishing since 2006 and am Managing Director of a UK digital marketing agency. Over nearly two decades I have built a reputation for rigorous, data-led analysis of online markets.
Beyond my agency work, I am an active early-stage investor through the UK's SEIS and EIS schemes, and provide digital due diligence services to venture capital and private equity firms, work that centres on independently verifying claims and assessing risk. That same evidence-first discipline shapes how every provider on this site is researched and reviewed.
I built peertopeerisa.co.uk because the existing coverage of Innovative Finance ISAs was either thin comparison tables or platform-owned marketing. My aim is a genuinely independent, plain-English reference that always leads with the risks.
I am not a financial adviser and nothing on this site is personal financial advice. When I hold a view, I show my working and the sources behind it.
- Working in search & online publishing since 2006
- Managing Director, UK digital marketing agency
- Active SEIS/EIS early-stage investor
- Provides digital due diligence to VC & PE firms
- Conference speaker on AI and digital strategy
Compare & related reviews
Compare providers
Independent side-by-side comparison of UK IFISA providers: target rates, minimums, security and transfers.
Provider reviews
Independent, risk-first reviews of UK IFISA providers.
Kuflink review
Kuflink's property-secured IFISA reviewed: rates, minimums, security and risks.
Assetz Capital review
Assetz Capital's SME and property lending IFISA reviewed.
Loanpad review
Loanpad's lower-risk senior-lending IFISA reviewed.