Our team,
investing with you

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 pool investor funds with our own to make bespoke short-term loans secured on property in the Southwest.

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 6% – 8% 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 80 other private investors have joined the original lending fund, which was established by our founders. To date, we have lent over £120M to a variety of local businesses and individuals. One-quarter 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.

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Meet the team

Clive Banks

founder and investor

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Clive spent 24 years in investment banking, working for First Chicago, Citibank, and BNP Paribas, specialising in financing and risk management. In 2002, he began investing privately as an early stage investor in Guggenheim, a company which now has $220 billion worth of assets under management.

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.

See our case studies

See how Bricks has helped businesses grow and provide investor returns.

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We'd love to hear from you. Whatever your enquiry give us a ring or send us an email and we'll respond as soon as possible.

Bricks Finance Ltd
Winslade Park
Manor Drive
Exeter, EX5 1FY
United Kingdom