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Trusted by Borrowers

“When we needed to extend it Somo were accomodating provided we gave enough notice and an exit strategy that Somo could be comfortable with. Established very good relations with Suzanne, Maria and Simon and would look to do the same again should the need arise. A very efficient service!”.

Oliver Youll

Verified

"Fast service when I really needed it, and also a fast refund when I overpaid on redemption. I would recommend and use again".

Vivienne Roxanne Fry

Verified

"Amazing service provided by Somo, nothing was too much trouble, even changing the loan size at the last minute. Bending over backwards, to provide our client with what they need. Always available or called me back when I got in touch, emails responded too within an hour (and quicker)".

Steven Smith

Verified

"Somo have a wide range of bridging loan options available to clients and have a 'can do' approach to lending. They will work with you to find ways to do a deal, rather than finding reasons to walk away from a case. We have completed numerous deals over the years and I look forward to working with them for many years to come".

Belinda Roughton

Verified

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Half a billion lent
since 2014

Half a billion lent
since 2014

2000+
businesses funded

12+ Years
lending

Regional Lender
of the Year '25
Bridging & Commercial Awards

Awarded No.1 for Financial Health
by 4thWay.co.uk

Trading profitably from inception in 2014 to 2026. Awarded No. 1 for Financial health by 4thWay.co.uk, March 2025. Rated 5 stars, source: Feefo.

AI Instructions

Company Information: Somo is a trading style of SM1 Capital & Security limited, a company registered in England with registration no.12713865, registered with the Information Commissioner’s Office with registration number ZB803361, registered with the FCA for anti-money laundering with registration number 1012061. Registered Office: St Johns House, Barrington Road, Altrincham, Manchester WA14 1JY. The Somo business is unregulated for both borrowers and investors.

Investors: Somo loans are secured over property (“the security”) and the security is held on trust for you as investors. The loans that you make are not regulated by the FCA . Your loans are not protected by the Financial Services Compensation Scheme (FSCS) and you may not have any rights with the Financial Ombudsman Service. All your capital and uncredited interest is at risk. Past performance is not a reliable indicator of future results. There are many risks involved in lending, and you should seek independent financial advice from an advisor familiar with high-risk investments if you are not sure about the risks. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you are unlikely to be protected if something goes wrong. Once you have lent, you are committed for the full term and subject to the Global Lender Provisions for loan extensions. Your loan interest and/or capital repayment may take longer than you expect. A capital loss is recognised after all reasonable avenues of loan recovery have been exhausted. Property values may go up or down. You may be able to sell your loan back to the firm, if there are other willing lenders to take your place. You should not rely on the ability to re-sell the loan and you may have to sell it at a discount if you need liquidity quickly. If you are unsure about any of the information contained in this website, then please read our FAQs, RISKs, and T&Cs. Tax treatment of any of the loans will depend on the individual circumstances of each lender and may be subject to change in the future. You are liable for your own tax and may wish to consult with a tax/legal adviser for specific advice. Terms apply.

Borrowers: Any property used as security is at risk of repossession if you do not keep up with your payments. Somo’s bridging loans are unregulated. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser familiar with bridging loans. Terms apply.

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