Your trusted investment partner

Looking for a higher yield on your savings? Join our small community of funders and invest alongside our founders who, with family, account for one third of our funding.

5% - 7% p.a.

fixed rate of return

12 months

minimum term


investor losses to date

Our investors benefit from us sourcing new borrowers and carrying out due diligence. We offer different fixed rates of return depending on the amount and term of investment, paying between 5% to 7% for a minimum of 12 to 24 months.

Our guiding principle is ‘sensible financing’. We take a common-sense approach to lending, fully exploring where risks lie and how they can be managed.

We understand the importance of rigorous risk management and our highly experienced team adopts a hands-on policy to every loan we make. We only lend to people who can afford to repay us and all loans are secured on assets with a maximum loan to asset value of 70%.

This is why we have recorded zero investor losses since we founded Bricks in 2014.

The Founders of Bricks invest their own funds alongside yours. We meet all of our borrowers in person and conduct our own review of properties offered as security, rather than using ‘drive by’ valuations. Our investment fund consists of over 50 individual investors, as well as the Directors of Bricks and their family members, who together make up about one third of our total fund.

Our legal documentation is undertaken by either Trowers & Hamlins LLP or Michelmores Solicitors LLP, both Top 100 Legal Firms, to ensure we have the highest standard of legal protection and security. Once the loan is in place, we collect all the interest and principal repayments from the borrower.

Bricks make both regulated and unregulated loans. We are authorised and regulated by the Financial Conduct Authority to administer, arrange and enter into regulated mortgage contracts but we are not required to be authorised for all financial activities and loans to Bricks are not covered by the Financial Conduct Authority. Your capital is at risk and is not protected under the Financial Services Compensation Scheme.

If you would like to be part of Bricks and our business of sensible finance click below to get in touch.

Investment calculator

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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.

Experience, standing by you

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

What our customers say

Thank you again so much for being completely brilliant. Thank goodness there are people like you, Clive, Will, Jerry and Lyn out there."

Tracey, home finance

Bridging Finance

Personally, I found the service from Bricks 11/10 in every aspect, and I would highly recommend."

Oli, Property Developer


Property Development Loan

Thank you so much for everything you have done to help us secure this purchase. We are finally looking forward to a good night's sleep now!"

Stuart and Emma, Dream Home Purchase


Bridging Finance

This would not have been possible without your support and faith in us to deliver the project. Bricks Finance took the time to understand it. It has made an amazing difference to our lives."

Nick, Solar Energy Park


Bridging Finance

This is our second deal and again we have achieved the first drawdown within 6 weeks from start to finish which is impressive!"

Richard, Finance Broker


Equity Release Mortgage

Being able to purchase the site would not have been possible without the backing of Bricks."

Darren, Land Purchase


Bridging Finance

Bricks have given me the support I needed to do this. I couldn’t be happier to see it going up before my very eyes."

Russ, Beach House Development


Property Development Loan

Bricks have been amazing. Without them, I doubt we would have saved the pub for the village."

Becky and John, The Rose and Crown



When the guys from Bricks say they are going to back you they do, and it has been a real pleasure partnering with them on this project."

Matt, Property Development


Property Development Loan

I was really pleased with how quickly I had access to finance. I would recommend them to anyone looking to raise finance."

Jon, Property Development


Property Development Loan

I’d really recommend Bricks Finance for anyone who needs to raise finance. They just allow you to get on and make things a success."

Dave and David, Property Development


Property Development Loan

I will be forever indebted to you all (thankfully no longer financially!) for taking a punt on somebody looking for a leg up in a new industry."

Alex, Forest Holiday Village Development


Land Finance

We found like-minded people who were prepared to take the time to understand our business and support our student accommodation in Exeter."

Angus & Alison, Landlords


Landlord Mortgage

I feel like Bricks is part of our team and wants a successful outcome for us as much as we want it."

Sam, Property Development


Property Development Loan

Having used Bricks myself, I now feel comfortable referring clients who have similar needs. The beauty of Bricks is their speed, flexibility and being FCA regulated so they can provide regulated and unregulated loans."

Geoff, Finance Broker


Property Development Loan

Bricks are so easy to deal with; they get involved and take an interest in the project all the way to completion."

David, Finance Broker


Bridging Finance

News from Bricks

Returns, trends and investor insights.

View all

Mar 2022

Supporting Children of Ukraine

We are heartbroken at the devastation in Ukraine and feel compelled to support the families whose lives are being turned upside down in the best…

find out more

Mar 2022

Trading Update

Following the Russian invasion of Ukraine, increased energy costs and inflation in the headlines, you may ask, ‘what does it all mean for money invested…

find out more

Feb 2022

Continued Organic Growth

The steady growth of Bricks continues, and in fact it will be a record year for new investment, with over £8M of new funds committed…

find out more

Nov 2021

Lending Unites Us

Our loans have helped people build their dream homes, acquire businesses, move house, carry out their own property development or fix a temporary cash shortage.…

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Nov 2021

Celebrating 7 Years

For seven years our investors have funded more than £70m in loans without losing a penny of capital. Today, we have 53 investors and pay…

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Nov 2021

Mark Joins Bricks

Mark Crang joined the Bricks team in November. With 30 years’ banking and finance industry experience, primarily at RBS, Mark will support new and existing…

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Sep 2021

How To Arrange A Quick Bridging Loan

Arranging a bridging loan can be simple and quick and in this guide we have distilled our many years of experience to help make the…

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Aug 2021

Trading Update

During the seven years since our foundation in 2014, we have made over 120 loans and supported over 100 different families and businesses. Our commonsense approach…

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Jul 2021

Boost your Savings with Fixed Return of 5% +

With interest rates at historically low levels, traditional deposit accounts from high street banks and building societies now average well below 1%. Is it possible to…

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Jun 2021

Bricks Broker of the Year

Bricks Finance Broker of the Year 2020 goes to Simon Sheldrake of South West Business Finance. Presenting the award, Bricks cofounder Will Michelmore said, ‘Our award…

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May 2021

Property Developers Short Term Loan Guide

You’ve found the perfect development site and need to source funding. Traditionally you’d ask your bank manager for funds. But what do you do if…

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Apr 2021

Refer a Friend

Do you know someone who is looking for funding in the South West and needs between £150,000 and £5,000,000 for between 6 and 36 months?…

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Mar 2021

Brokers, Our Unsung Heroes

Brokers are often the unsung heroes when it comes to helping businesses and entrepreneurs secure the right funding for their needs. About 70% of our…

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Feb 2021

Bricks Office Opening

Over the past six years we have chosen all sorts of locations for our weekly Bricks meetings: Michelmores Solicitors, Fresha Café, David Lloyd Club, Hampton…

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Jan 2021

Benefits of Working with a Broker When Seeking Short Term Finance

With the extinction of our local high street bank manager, who we knew and who knew us, what is the best way to find the…

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Dec 2020

Sustained Organic Growth

Our solid 20% organic growth and profitability continues. In December 2020 we lent £1.4M, which was more than our entire first year of trading. Furthermore,…

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Nov 2020

Bridging Finance – 3 Simple Steps

If you are not familiar with bridging finance it may seem intimidating but in essence, it is just a short-term loan. We have prepared this…

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Oct 2020

Benefits of Collaborating with a Local Lending Company

Founded in 2014, Bricks Finance provides short term lending in the South West of England. The three founders, Will Michelmore, Jerry Rihll and Clive Banks…

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Sep 2020

Social Finance Delivers High Returns

The core of our business model is what we call ‘social finance’ say the founders of Bricks Finance, Jerry Rihll, Clive Banks and Will Michelmore.…

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Aug 2020

High Returns. Happy Investors.

For investors the Bricks Finance model is proving to be a compelling choice. Indeed, with near zero interest rates from the high street banks and…

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Jul 2020

Economic Trends

Bridge to break free Successful deal-making is harder. With so many people working from home and cutbacks in the workforce, deals are taking longer, and…

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Jun 2020

Market Update

Our lives have been changed by Covid19 forever and identifying what that means in terms of our business, and the potential consequences to our stakeholders…

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May 2020

Tracey, On The ‘Social-Distancing’ Frontline

During the first few weeks of the lockdown, my focus was on contacting our borrowers to ascertain how their projects have been (or were expected…

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Apr 2020

Five Years of Record Performance

We reported record loan commitments of £18M in the last financial year and we paid out over £1M in interest to our investors. Being profitable…

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Mar 2020

Quick Guide to Later Life Loans

Just because you’ve retired shouldn’t mean you can’t borrow any more. However much you’ve prepared for retirement, you might not have enough for all the…

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Frequently asked questions

Do you offer bonds or mini bonds?

Is Bricks Finance a peer to peer (P2P) lender?

How do I calculate how much I could earn from my investment?

How long can I invest for?

As Bricks Finance is authorised and regulated by the Financial Conduct Authority, am I covered by the Financial Services Compensation Scheme (FSCS)?

When I lend to Bricks Finance, what is the main risk?

As an investor, when I lend to Bricks Finance, who has risk priority?

How long can I invest for?

See our success stories

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

View all

Bridging Loan in 48hrs

A Devon couple chose a Bricks bridging loan for the auction finance for their dream home. Fiona Ellaway said, ‘Without Bricks Finance we were likely…

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Advanced Manufacturing Facility

Bricks has assisted an advanced marine engineering company in building a major £3m manufacturing centre which will enable it to continue to be a global…

find out more

Blue Lagoon Dream Comes True

Aly Hussein spent 16 years running the popular Blue Lagoon Café Bar in Bristol and when the opportunity arose to buy his lease, Bricks provided…

find out more

Weston Farm, Tempus Fugit

It is unlikely Virgil ever visited the South West and if he did he certainly never wrote about it, but this Devon development is a…

find out more

Bricks Borrower + Bricks Broker = Success

When Geoff and Hazel Bardsley needed a top-up loan to finish their ‘grand designs’ dream home they asked Bricks Finance for help. “We needed to…

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Seven Luxury Homes, Newton Abbot

Local tradesmen Sam and Simon started their careers in the building industry and, like many others, did the odd bit of private work for friends…

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Tiverton Castle, Rental Portfolio

Angus and Alison Gordon, a local couple who own and live in Tiverton Castle, came to Bricks when they wanted to upgrade and enlarge their student let portfolio.…

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Forest Eco Homes, Cornwall

When the man behind an idyllic forest holiday development was struggling to borrow to finance his plan, assistance from Bricks Finance proved to be a…

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Two New Homes in Exeter City Centre

Dave Haines and David Chard were experts in building other people’s properties. Their building company has a long-established track record of delivering excellent projects for…

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New Homes in Somerset

Jon Evennett, a housebuilder for the past 16 years in the South West, describes his initial contact with Bricks Finance to discuss lending for his…

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46 New Homes for Exeter

Seeking to build a development of 46 flats on the site of a former care home on a complicated site in a busy corner of…

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Rose & Crown Pub, Dorset

It’s a dream for many people to own their local pub, but it’s not a simple process to buy a freehold. However, thanks to the…

find out more

Beach House, Cornwall

Building a dream home is a passion for many, but for Russ Wood it almost feels like his destiny. And thanks to the help of…

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Retirement Village, Bristol

Audley Redwood is a retirement village set within 15 acres of landscaped parkland only a short drive from the centre of Bristol. It comprises 106…

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National Dive and Activity Centre, Monmouthshire

After serving 20 years in the British Army, REME, Darren Bryce MBE and his wife Kaye developed the National Dive and Activity Centre near Chepstow…

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School Conversion, Dawlish

A local architectural consultant who projects managed development in Teignmouth on behalf of a Bricks client has now started his own development in Dawlish with…

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3 Luxury Houses, Devon

Beverley Stone-Parker who has 30 years’ experience in construction, funded the land purchase and groundworks for a select development of four 5-bedroom homes herself. These…

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7 Holiday Homes, Cornwall

Having gained planning permission to convert their farm shop complex into holiday homes, father and daughter Dennis and Rhalina secured funding from Bricks in October…

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8 Apartments, North Devon

After 30 years of funding property developments through his bank, Paul Brinton, a director of East Devon Estates, was shocked when he was refused funding…

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Contact us

Speak to us directly

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

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