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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.

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

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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.

Companies House records

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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.

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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