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Investors

Private Credit secured over UK property

Half a billion successfully lent

Half a billion successfully lent

11 years trading profitably

Awarded 'No.1 for Financial Health'* and Rated ‘Exceptional +++’ by 4thWay.co.uk

Regional Bridging Lender of the Year Bridging and Commercial 

Rated 5 stars by other Social Investors

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.

Investors

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Due to regulatory reasons we only offer our Investment product to the following types of investors:
 

  • High Net Worth

  • Certified Sophisticated

  • Self-Certified Sophisticated.

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Investors
Investing in loans secured over property

Our Story

As the UK’s first and oldest crowd-funded lender, we’ve been lending and processing bridging loans for over two generations of family lenders. We have a combined experience of over 300 years in property lending.

Our backgrounds range from accountancy, finance, insolvency practitioners, the legal profession (barristers and solicitors) and loan underwriting.

We have developed extensive due diligence processes and procedures with excellent fraud prevention systems.

Look who's No.1

We've been crowned +++ Exceptional by 4thWay.co.uk a leading research and ratings agency for the alternative lending market.

"The lengths Somo goes to reduce risks when assessing borrowers are beyond what I'm seeing bridge lending. The future looks very good for it's investors".

You can read all about us, including why we're rated No.1 for Financial Health in 4thWay's full review.

Somo Documents

We’re committed to open and transparent communication with our Investors. Click these links for more company information and to view our independently audited accounts.

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Investing in brigding loans

REGISTERED CONTENT

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.

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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