
Bricks Finance is a privately-owned finance company based in Exeter. Founded in 2014 by Will Michelmore, Jerry Rihll and Clive Banks, our goal is to provide sensible financing and a better rate of return to our investors.
We specialise in asset-backed business and bridging loans. We help local people to access finance easily and quickly by offering bespoke lending using our own funds as well as those from investors.
Will, Jerry and Clive have over 90 years of property, finance and legal expertise between them. They have each previously built large and successful businesses, and it is their combined knowledge, professional contacts and business experience that allow Bricks to offer attractive rates for borrowers and competitive rates for investors.
Our investors earn returns of between 5% – 7% each year. We support only sensible finance requests and every loan we make is backed by the security of a charge against real property assets.
Today, over 50 other private investors have joined the original lending fund, which was established by our founders. To date, we have lent over £60M to a variety of local businesses and individuals. One-third of our lending is currently funded by our founders and their family members.
We have written loans to support developments across the South West, including local housing (both new build and redevelopment), a forestry retreat with lodges, a care home, a social club, a marina development, farm and barn conversions, a specialist medical home, an adventure park in a quarry, a pioneering natural energy source, solar energy arrays and several large trusts and estates. No two loans are the same, which is why we treat all of our borrowers as individuals. Using our own underwriting process, we ensure complete flexibility in the decisions we make.
We are proud to be different from traditional lending organisations and offer a unique investment opportunity. Please get in touch today to find out why.
News from Bricks
Meet the team
Clive Banks
founder and investor
He has personally launched three start-ups (one in partnership with Coldplay) and invested in ten others. Swapping London for Honiton, he now concentrates his projects closer to home. Committed to funding local projects, Clive concentrates on debt financing and has funded both wind and solar power projects, high-end property development in the private St. George’s Hill estate in Weybridge and, more recently, has redeveloped an estate of eight properties near Exmouth in Devon.
Clive is a trustee of LED Community Leisure, the charity that works in partnership with East Devon and South Somerset councils to provide leisure, health and wellbeing and cultural activities throughout the region. He lives just outside Honiton with his wife Sarah and their four children.
Clive Banks
founder and investor
Will Michelmore
founder and investor
Jerry Rihll
founder and investor
Tracey Abbott
head of lending
Mark Crang
lending officer
Angela Connelly-Cole
Finance Manager
Clive Banks
founder and investor
He has personally launched three start-ups (one in partnership with Coldplay) and invested in ten others. Swapping London for Honiton, he now concentrates his projects closer to home. Committed to funding local projects, Clive concentrates on debt financing and has funded both wind and solar power projects, high-end property development in the private St. George’s Hill estate in Weybridge and, more recently, has redeveloped an estate of eight properties near Exmouth in Devon.
Clive is a trustee of LED Community Leisure, the charity that works in partnership with East Devon and South Somerset councils to provide leisure, health and wellbeing and cultural activities throughout the region. He lives just outside Honiton with his wife Sarah and their four children.
Loan calculator
Loan calculator
Amount you want to borrow
£50,000
£50,000
£5,000,000
Over how many months
3 months
3 Months
36 Months
Total you will pay
£1,500
Amount of interest over 3 months
This calculator is for illustrative purposes only.
We will always treat your personal details with the utmost care and will never sell them to other companies for marketing purposes. All information provided by you will be treated securely and confidentially. For more information view our privacy policy.
Investment calculator
Investment calculator
Amount you want to lend
£50,000
£50,000
£5,000,000
Over how many years
1 year
1 Year
5 Years
Estimated return
£2,500
Amount of interest over 1 year (5% APR)
This calculator is for illustrative purposes only.
We will always treat your personal details with the utmost care and will never sell them to other companies for marketing purposes. All information provided by you will be treated securely and confidentially. For more information view our privacy policy.