Our funding model enables professional investors with an understanding of property-backed lending and risk-adjusted returns to participate in individual transactions of their own choosing.
Arial have committed to deploy principal capital into all its own loans, subordinated to Funders who remain in the most senior position. Our commitment to participating in every loan demonstrates alignment of interests throughout the investment lifecycle. Capital is deployed on a deal-by-deal basis, with each opportunity independently assessed and structured according to its specific risk characteristics. Every transaction is structured with a clear emphasis on disciplined underwriting, appropriate leverage, and robust security, with the objective of achieving an appropriate balance between risk and return.
58%
Avg. senior look-through LTV
11m
Average term length
10.86%
Weighted average Funder ROI 2025
Our Structure
Arial operates as a principal lender, structuring and originating loans secured against property across London and the South of England. Alongside our own capital, we partner with a network of experienced private Funders who participate in individual lending opportunities.
Arial commits its own capital into every transaction we originate which sets us apart from many capital providers in our space who operate purely as intermediaries deploying third-party capital. Our funds sit alongside those of our investment partners, ensuring that we have genuine “skin in the game” throughout the life of the loan.
We welcome Funders to participate in loans on a deal-by-deal basis, allowing them to select opportunities that suit their investment preferences. In every case, our funders occupy the most senior position in the capital stack, with Arial’s capital subordinated beneath them. This structure ensures that investor interests remain protected while maintaining strong alignment between all parties.
Why This Matters
Borrowers benefit from dealing with a lender that can make decisive lending decisions and execute quickly, backed by capital we are prepared to deploy ourselves. This allows us to structure pragmatic solutions while maintaining disciplined underwriting.
Brokers value the certainty of working with a lender that controls its own capital and lending decisions, enabling clear communication, fast responses, and dependable execution.
Funders participate in carefully underwritten property-backed loans alongside a lender who is financially aligned with them on every transaction. Our commitment to investing in each deal ensures that our interests remain fully aligned from origination through to repayment.
Every opportunity is assessed independently and structured with a clear focus on security, appropriate leverage, and disciplined risk management, ensuring a balanced approach to protecting capital while generating attractive risk-adjusted returns.
Clerkenwell EC1M | First Charge | Residential
London N1 | First Charge | Residential
London N6 | First Charge | Residential
Hertfordshire WD4 | First Charge | Consented Land and Residential