Factored has launched a new referral partnership with Synergy Commercial Finance, giving the brokerage's landlord clients fast access to short-term landlord funding of up to £75,000, typically funded within 24 hours.
Under the partnership, Synergy can refer landlord clients who need capital quickly to Factored. Advances are based on future rental income rather than property value, are available on terms of up to 12 months, and are designed to sit alongside a landlord's existing finance arrangements.
Key facts
- •Advance amount: up to £75,000 per landlord
- •Speed: typically funded within 24 hours of approval
- •Term: up to 12 months
- •Basis: future rental income, not property value
- •Fees: no valuation fees and no legal fees
- •Referral route: available to Synergy Commercial Finance brokers and their landlord clients
What the partnership means for landlord clients
Brokers regularly meet landlords who have strong rental income but need capital faster than conventional property finance can deliver. The partnership gives Synergy a route to serve those clients without asking them to restructure existing arrangements or wait on a valuation.
Because an advance is assessed against rental performance, decisions are quick and the paperwork is light. Factored covers the legal work end to end, and there are no valuation fees.
How the referral process works
- A Synergy broker identifies a landlord client who needs capital quickly.
- The broker refers the client to Factored.
- Factored reviews the rental income behind the tenancy or portfolio.
- Terms are issued, and funds are typically released within 24 hours of approval.
Property professionals can read more about the referral programme on the finance brokers page.
What landlords use the capital for
- •Refurbishments and property upgrades between tenancies
- •Day-to-day portfolio cashflow and void periods
- •Tax bills and other time-sensitive costs
- •Deposits and completion costs on a further property purchase
- •Compliance work ahead of the Renters' Rights Act and tightening EPC standards
"Landlords rarely have a capital problem — they have a timing problem. Working with Synergy means their brokers can now solve that timing problem in a day, using rental income the landlord has already earned."
— David Rabee, Co-Founder of Factored
"Our brokers work with property clients every day, and speed is often the deciding factor. Factored gives us a straightforward option for landlord clients who need capital quickly and want it to work alongside their existing finance."
— Synergy Commercial Finance
Frequently asked questions
How much can a landlord access through the partnership?
Up to £75,000, based on the landlord's future rental income rather than the value of the property.
How quickly is funding released?
Typically within 24 hours of approval.
How long are the terms?
Up to 12 months, designed to work alongside a landlord's existing finance arrangements.
Can any broker refer landlord clients to Factored?
Yes. Factored runs a referral programme open to brokers, letting agents, accountants and solicitors working with UK landlords.
About Factored
Factored advances future rental income to UK landlords as upfront capital for property improvements, purchases and cashflow management. Advances of up to £75,000 are typically funded within 24 hours, on terms of up to 12 months.
Contact: +44 20 4538 7361 | FCA Reference 1005726 | Company No. 14649122 | Apply for landlord funding
About Synergy Commercial Finance
Synergy Commercial Finance is a UK commercial finance broker network helping businesses and property clients access funding across a wide panel of lenders and products. Learn more at synergy.finance.