The candle did
the job, until
the lightbulb was
invented.

We do Bridging differently.

SoMo. Always evolving

Built on evolutionary thinking since its inception in 2014, SoMo, a family-owned business, pioneered the crowd funding formula that allows Borrowers and Investors to bypass the more traditional lending and investing channels and help each other through financing secured bridging loans.

Today we continually look for better ways to lend, combining commerciality with an ambition to live and lend safely and compassionately.

  • One of the first and oldest crowd funded Bridging lenders in the UK
  • All underlying loans secured against bricks and mortar UK property
  • Zero capital losses to date*
  • £12.8 Million in Interest paid to date with an average return of 11.8%*
  • First to use Open Banking technology for anti-fraud
  • Committed to the continuous improvement of our products and ways of working

One bright idea
after another

*Your Capital is at risk. Your loan repayment may take longer than you expect. Past performance is not necessarily a reliable indicator of future performance. A capital loss is recognised after all reasonable avenues of recovery have been exhausted.

"Slow and steady wins the race"

“We only lend on deals that we are willing to put our own money into. Our focus isn’t on volume or the size of the Loan Book, we combine a brilliant team that people genuinely love working with, good, tried and tested products with excellent returns. I’m most proud of being able to say we’ve suffered no capital losses since I started the company in 2014. My philosophy is “slow and steady wins the race”. I know SoMo will be bigger, better and still going from strength to strength in another 15 years”

Louis Alexander CEO
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    "…a tower of support… you worked so
    hard to make it happen… the bridge
    was settled this afternoon and exactly
    to term.Whilst I have other bridging
    company contacts nothing compares
    to how well we work together.”

    Belinda Roughton
    Director
    Property And Business Finance
    Invoice Finance Solutions Limited

    About SoMo
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    Invest Money

    • Up to 10.8% returns PA. Interest is paid monthly*
    • Zero capital losses and 100% recovery rate
    • We have lent over £140,000,000
    • All underlying loans are SECURED over UK property
    • Manually choose the loans or auto invest
    • Active resale option

    *As of 2020. Your capital is at risk and you could lose some or all of your money. Past performance is not necessarily an indicator of future performance. Your loans are not covered by the Financial Services Compensation Scheme.

    I'm an Investor
    Investors
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    Borrow Money

    • Rates from 0.49% per month
    • Loans from £25,000 to £5,000,000
    • No set criteria, all statuses considered and arranged quickly
    • Property and bridging loans up to 75% LTV
    • 1st and 2nd charge and Equitable Charges
    • You choose the loan term and when to pay the interest

    *Warning: Any property used as security is at risk of repossession if you do not keep up with your payments. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.

    I'm a Borrower
    Borrowers
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    Brokers

    • Low Rate Bridging Loans - 0.49% PCM to 75% LTV
    • Valuation Only Bridging Loans - 0.6% PCM to 70% LTV
    • 1st Charge Loans - 0.49% PCM to 75% LTV
    • 2nd Charge Loans - 0.49% PCM to 75% LTV
    • Equitable Charge Loans - 0.49% PCM to 75% LTV
    • Auction Finance - 0.49% PCM to 75% LTV

    *Any property used as security is at risk of repossession if you do not keep up with your payments. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.

    I'm a Broker
    Brokers
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    Institutions

    • Unique investment access to property and bridging loans
    • Banks & Hedge funds
    • Institutions and Family Offices
    • Zero capital losses and 100% recovery rate
    • Over £140,000,000 successfully lent
    • All underlying loans are SECURED over UK property

    *As of 2020. Your capital is at risk and you could lose some or all of your money. Past performance is not necessarily an indicator of future performance. Your loans are not covered by the Financial Services Compensation Scheme.

    I'm an institution
    Institutions
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