INVESTMENT & FINANCE
Melvyn William Capital is a privately owned UK investment company specialising in alternative investment & secured lending.

As a business with roots in retail and property going back to 1964, we understand the gravity of speed & personal relationships when it comes to funding.
– Melvyn William Capital
About Us
Looking to the future without forgetting our past.
Melvyn William Capital is a privately owned UK investment company established to achieve superior returns in alternative investment and secured lending solutions. Working alongside management teams and entrepreneurs, we place emphasis on capital preservation and appropriate return for risk taken.
Our core business operates investment mandates in value-adding and opportunity-driven commercial and residential property acquisitions, SME/Micro private equity solutions and secured lending.
We take pride in our ability to act fast and build strong relationships, supporting partners and clients to create and grow value by solving problems. With a history of successful businesses dating back to 1964, Melvyn William was restructured and consolidated in 2020-2021 to focus on growth.
Paul Clarke
Managing Partner
Samantha Palan
Partner
Bernadette Clarke
Partner
Quentin Spicer
Non Executive
Mark Williams
Non Executive
Lisa Stuart
Property Manager
About Us
Looking to the future without forgetting our past.
Melvyn William Capital is a privately owned UK investment company established to achieve superior returns in alternative investment and secured lending solutions. Working alongside management teams and entrepreneurs, we place emphasis on capital preservation and appropriate return for risk taken.
Our core business operates investment mandates in value-adding and opportunity-driven commercial and residential property acquisitions, SME/Micro private equity solutions and secured lending.
We take pride in our ability to act fast and build strong relationships, supporting partners and clients to create and grow value by solving problems. With a history of successful businesses dating back to 1964, Melvyn William was restructured and consolidated in 2020-2021 to focus on growth.
Paul Clarke
Managing Partner
Samantha Palan
Partner
Bernadette Clarke
Partner
Quentin Spicer
Non Executive
Mark Williams
Non Executive
Lisa Stuart
Property Manager
Private Investment
Commercial & Residential Property
Our primary investment activity in residential and commercial property markets focuses on value-driven acquisitions we identify as having potential both short and long term.
Our current portfolio includes land, single homes, flat developments, retail units and warehousing predominantly in the UK.
In recent years, we have expanded into sustainable new build developments.
All holdings are managed in-house.
SME/Micro Private Equity
We support businesses and their management personnel with the capital needed to see them through growth phases or buyouts when the time comes for the founder to move on or cash out.
We are able to to deploy flexible solutions including simple funding structures with either full or partial cash out, hold companies for the longterm, founder/executive retention and no culture change.
We partner with businesses with profits between £100,000 and £1,000,000 and a high quality team.
Alternative Investment Mandate
The world and its markets are constantly evolving from one decade to the next; being subjected to new technological, political and economic forces.
We maintain an ongoing review of both emerging market opportunities from classic tangibles to contemporary intangibles.
We have been involved in a range of alternative investments from collectibles to cryptocurrencies, in both European and North American markets.
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Secured Lending
Fast and Flexible Finance Solutions
We offer a range of lending products to property professionals, individuals and businesses seeking fast and flexible funds in the UK.
We are able to offer lending facilities to individuals and businesses using residential (investment only), commercial and semi-commercial property or fixed charges.
Interest and fees can be rolled up into the loan, allowing zero up-front costs.
We value transparency and simplicity. Offers in principle are made within 24 hours, and there are no hidden fees. Our online portal allows you to track your balance and payments 24/7.
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Bridging Loans
Our refined processing and underwriting process ensures we offer the fastest possible turnaround from data collection to deploying funds.
Available Terms:
♦ First Charge up to 70% LTV
♦ Second Charge up to 60% LTV
♦ Loans from £50,000 – £1m
♦ Terms from 1 – 18 months
♦ Residential, commercial, mixed-use property
♦ Minimum property value £200,000
♦ Suitable for: property purchase, light refurb, second charge loans
Rates & Fees:
♦ Rates from 0.85% to 1.95%
♦ 2% Arrangement Fee
♦ £0 Admin Fee
♦ £0 Early Repayment Charge
♦ £0 Up-front: Interest and fees rolled up into the loan
♦ Legal & Valuation Fees: Solicitors engaged to draw up loan agreement and register charge on title: £500-1500, + £250 Redemption Charge to remove title charge on repayment, + £25 CHAPS payment fees. Sometimes legal fees must be paid by the client direct to the appointed solicitors and are unable to be rolled up.
Auction Finance
We are able to delivery auction finance in a matter of days and can approve an application prior to auction.
Available Terms:
♦ First Charge only up to 70% LTV
♦ Loans from £50,000 – £1m
♦ Terms from 1 – 18 months
♦ Residential, commercial, mixed-use property
♦ Minimum property value £200,000
♦ Pre-approval of funds before going to auction
Rates & Fees:
♦ Rates from 0.85% to 1.95%
♦ 2% Arrangement Fee
♦ £0 Admin Fee
♦ £0 Early Repayment Charge
♦ £0 Up-front: Interest and fees rolled up into the loan
♦ Legal & Valuation Fees: Solicitors engaged to draw up loan agreement and register charge on title: £500-1500, + £250 Redemption Charge to remove title charge on repayment, + £25 CHAPS payment fees. Sometimes legal fees must be paid by the client direct to the appointed solicitors and are unable to be rolled up.
Permitted Development & Conversions
Funding for heavy refurbishment and permitted development/planning granted conversions.
Available Terms:
♦ First Charge only up to 65% LTV
♦ Loans from £50,000 – £1m
♦ Terms from 1 – 18 months
♦ Residential, commercial, mixed-use property
♦ Minimum property value £200,000
♦ 100% build costs available
Rates & Fees:
♦ Rates from 0.95% to 1.95%
♦ 2% Arrangement Fee
♦ £0 Admin Fee
♦ £0 Early Repayment Charge
♦ £0 Up-front: Interest and fees rolled up into the loan
♦ Legal & Valuation Fees: Solicitors engaged to draw up loan agreement and register charge on title: £500-1500, + £250 Redemption Charge to remove title charge on repayment, + £25 CHAPS payment fees. Sometimes legal fees must be paid by the client direct to the appointed solicitors and are unable to be rolled up.
Business Lending
Business liquidity solution provided by asset backed lending where funds are required for cashflow.
Available Terms:
♦ First Charge up to 70% LTV
♦ Second Charge up to 60% LTV
♦ Loans from £50,000 – £1m
♦ Terms from 1 – 18 months
♦ Residential, commercial, mixed-use property
♦ Minimum property value £200,000
♦ Suitable for: acquiring stock, new premises, expansion phases
Rates & Fees:
♦ Rates from 0.85% to 1.95%
♦ 2% Arrangement Fee
♦ £0 Admin Fee
♦ £0 Early Repayment Charge
♦ £0 Up-front: Interest and fees can be rolled up into the loan
♦ Legal & Valuation Fees: Solicitors engaged to draw up loan agreement and register charge on title: £500-1500, + £250 Redemption Charge to remove title charge on repayment, + £25 CHAPS payment fees. Sometimes legal fees must be paid by the client direct to the appointed solicitors and are unable to be rolled up.
Worked Example
This example is based on the following assumptions:
♦ £150,000 Bridging Loan
♦ 0.95%
♦ 2% Arrangement Fee (£3000)
♦ £1250 Legal & Valuation Fees (total)
♦ Rolled up Interest and Fees
♦ 6 Month Term
Month | Loan Amount | Interest 0.95% | Total Owed |
Fees | 4250 | – | – |
1 | 154,250 | 1465.38 | 155,715.38 |
2 | 155,715.38 | 1479.30 | 157,194.67 |
3 | 157,194.67 | 1493.35 | 158,688.02 |
4 | 158,688.02 | 1507.54 | 160,195.56 |
5 | 160,195.56 | 1521.86 | 161,717.41 |
6 | 161,717.41 | 1536.32 | 163,253.73 |
Looking for JV partnerships? See Private Investment above.
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Philanthropy
In loving memory of Melvyn Clarke, husband, father and grandfather who fought a noble battle against Motor Neurone Disease in the last year of his life. We dedicate funds every year to support the ongoing research and care given to those suffering with Motor Neurone Disease and their families.

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