Atelier

We’re pleased to have completed a £2.8m loan to fund the development of 10 new homes in Nottinghamshire. This mix of detached houses, bungalows and an affordable unit has been designed with local families in mind - with a focus on sustainability, individuality and a sense of community. Sam Jones, Director at Stancliffe Homes, said: “We are delighted to be working with the Atelier team on our third funding agreement in the last 18 months. As we’ve found on previous transactions, they’ve been professional, responsive, and pragmatic — and we look forward to working together again.” Rav Kudhail, Lending Director at Atelier, commented: “We’re committed to supporting high-quality residential development across the UK and are delighted to work with Stancliffe Homes to fund this scheme. Their track record of delivering well-designed homes aligns with our mission to back ambitious developers creating positive impact in their communities.” #DevelopmentFinance #ResidentialDevelopment #Nottinghamshire #SMEHousebuilders #PropertyDevelopment

We are proud to celebrate the well-deserved promotions of Simon Joseph, Harley Stairmand and Max Pritchard, and as they take on new roles within our team. Each of them has played a key role in driving our business forward, supporting our clients, and strengthening Atelier’s position as a trusted development finance partner. Their expertise, commitment, and impact have been invaluable, and we’re excited to see what they achieve next:   Simon – After four years in Originations, he takes on the role of Relationship Director, leveraging his industry connections to expand Atelier’s reach. Harley – one of Atelier’s first employees, now stepping up as Lending Manager, bringing his experience to the forefront of our originations team. Max – A fast-rising talent, promoted to Credit Manager, where he will play an important role in assessing and structuring deals. Chris Gardner, Atelier CEO shares "We believe in recognising and investing in our people – they are at the heart of everything we do. Congratulations to Simon, Harley, and Max on their achievements." #DevelopmentFinance #Atelier #TeamGrowth #Promotions

We’re delighted to welcome Matthew-Blaine Young as our new Head of Origination. With a strong track record in SME development finance, including his previous role as Head of Origination at Secure Trust Bank, Matthew brings deep expertise in structuring and closing complex transactions. His leadership will play a key role in driving our growth strategy as we expand our loan book to £500m+ by March 2026. Matthew will be working closely with brokers and developers across key real estate markets, ensuring we continue to deliver tailored, efficient, and innovative funding solutions. Commenting on his appointment, Matthew said: "I’m thrilled to be joining Atelier, a forward-thinking lender making a real impact in the market. I look forward to working with the team to support brokers and developers in bringing their projects to life." Chris Gardner, CEO, added: "Matthew’s appointment underpins our commitment to backing bankable SME developers focused on residential, care, and PBSA. His experience aligns perfectly with our strategy of delivering best-in-class financial solutions through highly skilled real estate bankers." Welcome to the team, Matthew. #DevelopmentFinance #RealEstateFinance #PropertyLending #SMEDevelopment #Atelier #WelcomeToTheTeam

After a fantastic few days in Cannes, Atelier CEO Chris Gardner shares five key takeaways from MIPIM this year: 1) Optimism is back – A real sense of market recovery is taking hold. 2) Strong pipelines – Brokers, valuers, developers, and lawyers are all reporting good levels of WIP and deal flow. 3) Competitive conditions – Pricing and leverage are under pressure as competition heats up. 4) Day one loans matter – Developers and brokers are prioritising funding certainty from the outset. 5) Transactions remain slow – Despite the positive sentiment, deals are still taking much longer to progress than pre-Covid. The industry is clearly moving in the right direction, but challenges remain - we’re focused on delivering the certainty and support our partners need to navigate this evolving landscape. It was great to connect with so many at MIPIM - let’s keep the conversations going. #MIPIM2025 #DevelopmentFinance #RealEstate #Atelier

A fantastic evening in Cannes with friends of Atelier at MIPIM last night. We weren’t expecting the stormy weather, but thankfully, we had a table inside - perfect for great conversations and a memorable evening. Thank you to everyone who joined us. Chris Gardner; Paul S.; Matthew-Blaine Young; Alan MacLeod; Simon Joseph; Rav Kudhail

With better Day One funding, you can get your development off to a flying start. You’ve told us that you need a better Day One - a faster start, greater certainty, and funding that unlocks projects from the outset. So, we challenged ourselves to deliver exactly that. There’s no one-size-fits-all solution - just a series of smart, incremental gains across the capital stack that, together, create real impact. If you’re planning a development, why not put us to the test and take the Atelier Day One challenge? At Atelier, we don’t just listen - we deliver.   Hear more from our CEO Chris Gardner in the video below.   #DayOne #DevelopmentFinance #Atelier  

We’re delighted to announce a new strategic funding partnership with Waterfall Asset Management LLC. This partnership, alongside our longstanding collaboration with HSBC and continued backing from our majority shareholder M&G Investments, marks a pivotal milestone in our ambitious growth trajectory. Following a highly competitive fundraising process, Waterfall Asset Management was selected as the ideal partner to support the next phase of our expansion. Paul S., CFO at Atelier, commented: "With our Assets Under Management (AUM) now at £300m, we are setting our sights on surpassing £500m by 2027. Our new funding partnership with Waterfall Asset Management, coupled with a substantial increased commitment from HSBC, marks a pivotal milestone in our growth journey. "This strategic backing enhances our ability to scale while ensuring a robust, diversified capital structure to better serve the evolving needs of our borrowers." James Cuby, Managing Director at Waterfall Asset Management, added: "We are excited to announce our partnership with Atelier to support the growth of their loan book. This investment reflects our ongoing interest in enhancing the development finance landscape in the UK." Victoria Lindsell, Global Head of Structured Finance at HSBC, said: "HSBC is pleased to continue our partnership with both Atelier and M&G, supporting them in the next phase of their ambitious growth plans." Improving our capital resource means increased support for our borrowers. We are focused on funding high-quality residential, care, and student accommodation projects, ensuring developers have the financial backing they need to build with confidence. Chris Gardner, CEO at Atelier, added: "This is a pivotal moment in our growth journey and I would also like to thank SpecFin Capital Ltd and Simmons & Simmons for their expert guidance throughout this transaction." #DevelopmentFinance #RealEstate #PropertyFinance #Growth #Atelier

We’re delighted to welcome Robert Orr to the Atelier Board as a Non-Executive Director. With a distinguished career in development finance and a deep understanding of the SME developer landscape, Robert joins Atelier at an exciting time, bringing fresh perspective as we support developers with flexible, reliable funding solutions. Robert commented: "Atelier is an established specialist lender with a clear vision for the future. The team’s deep market expertise, combined with the strength of its backing, makes this a great platform for growth. I’m looking forward to supporting the business as it moves into its next phase." Chris Gardner, CEO, said: "Robert knows this industry inside out. His strategic mindset and deep lending expertise will be invaluable as we push forward with our growth plans and we’re looking forward to having him on board." Read more about his appointment and his insights into the opportunities and challenges facing SME developers in 2025 in our latest blog: http://bit.ly/3X8OHci #Atelier #DevelopmentFinance #NedAppointment #RealEstateFinance #Leadership #SMEDevelopers

The Bank of England has reduced the base rate by 0.25% to 4.5% - its lowest level in 18 months. At Atelier, we’re passing this reduction on immediately to our borrowers on variable rate loans. In a market where certainty and responsiveness matter, we remain committed to supporting our clients with competitive finance solutions. Chris Gardner, CEO of Atelier, said: "This rate cut is a positive step for the market and our borrowers benefit immediately, reflecting our commitment to providing fair, transparent, and competitive finance to support high-quality developments." As the interest rate cycle evolves, we continue to work closely with developers and property professionals to help them seize opportunities and navigate the shifting landscape. If you’d like to discuss how this change impacts your funding options, please get in touch. #DevelopmentFinance #PropertyFinance #BankofEngland #InterestRates #Lending

The year has kicked off with real momentum. Enquiry levels are significantly up compared to this time last year, with £290m new gross loan opportunities in January alone. While there's always a journey from enquiry to completion, we’re seeing more deals that genuinely excite us - deals that stack up and that we want to fund and win. What’s driving this? Profit on cost is looking stronger, residual land values are more realistic, and - perhaps most importantly - developers are ready and pushing ahead. “The level of early-stage activity we’re seeing is very encouraging,” says Chris Gardner, CEO of Atelier. “Developers are bringing us solid, bankable opportunities, and when we see a deal we like, we mobilise quickly and with conviction to get it done.” We’ll be watching tomorrow's Bank of England MPC meeting with interest. A 0.25% base rate reduction to 4.5% would certainly add another layer of confidence to the market, which would be welcomed. #DevelopmentFinance #LendingOpportunities #ResidentialDevelopment #PBSA #StudentAccommodation #MarketSentiment #InterestRates