About Us

Description of the business

Vector Capital, together with its Subsidiaries VBFL and VAFL, is a commercial lending group that offers secured loans primarily to businesses located in the United Kingdom. Substantially all of the Group’s loans are secured by a first legal charge against real estate. The Group’s customers typically borrow for general working capital purposes, bridging, land development and acquisition.

The Group has an established network of brokers that introduce to Vector potential borrowers that match the Group’s lending criteria. The brokers submit proposals via the Group’s online portal and the Company endeavours to give decisions in principle and outline terms on a “same day” basis.

The Group’s loans issued are secured, typically by a charge against land or property, and usually this will be a first charge. The Directors believe that the Group’s credit management policies, both during initial underwriting and throughout the life of the loan, will result in minimal defaults.

The Group’s loans to its borrowers are financed primarily from a combination of the Group’s own resources and the Debt Facilities.

Key Strengths of the Group
The Directors believe that the success of the Group to date and its future prospects are founded on the following key strengths:

  • Extensive sector experience in the secured commercial lending market over 20 years
  • Experienced management team
  • Established industry network of wholesale banks, commercial finance brokers, surveyors and advisers
  • Ability to provide a same-day decision in principle response to loan applications
  • Flexibility and ability to provide bespoke solutions on a case by case basis
  • Custom designed, cloud-based software platform that provides audit trail, loan documentation, relationship management and accounts interface.
  • A track record of profit and cash generation
  • Effective credit and risk management controls

     

The Directors comprise a team with significant experience in secured lending and finance. Details of Vector’s Directors and Senior Management, please click here to view our Directors & Team.