Our Focus
Where Complexity Meets Opportunity
At Providus Capital, we focus on real estate sectors where capital is most needed and least available - often because the situation is too complex, too early-stage, or too non-institutional for traditional funding.
From affordable housing and supported living to planning-led land deals and non-performing loans, we bring flexible capital and creative structuring to under-served areas of the UK real estate market.
We focus on sectors where our ability to fund what others can’t makes a tangible difference.
Key Sectors We Target
1. Land With or Without Planning
We are comfortable funding at the most uncertain stage of the development lifecycle, including:
- Land without planning
- Site assembly opportunities
- Options and promotion agreements
- Equity JVs for planning gain plays
2. Residential Development
From early-stage land assembly through to completed blocks, we back UK-based developers seeking acquisition, planning, bridging, development, mezzanine, or equity capital.
- Private residential schemes
- Build-to-rent (BTR)
- Co-living
- Student housing
- Blocks for investment or disposal
- Development sites with planning risk
3. Affordable & Supported Housing
We fund specialist developers, operators and social-impact sponsors delivering homes for:
- Affordable and keyworker housing
- Housing for the homeless and displaced
- Supported living and accessible housing
- Registered providers and local authority schemes
4. Care, Senior Living & Specialist Accommodation
We support operators and developers focused on:
- Care homes and senior living
- Specialist care schemes
- Transitional or recovery housing
- Schemes aligned with long-term ESG impact
5. Corporate & Non-Performing Situations
Our flexibility allows us to step in where others won’t, including:
- Corporate working capital and operational runway
- Non-performing loans (NPLs) and loan book acquisitions
- Refinance and recapitalisation of distressed real estate assets
- Development cost overruns or cash flow shortfalls
No Geographic Limits. Fully UK-Focused
- We are open to projects throughout the UK, with no regional limitations. From London and the Southeast to the Midlands, North, and devolved regions - we back experienced sponsors with a clear plan and aligned incentives.
Typical Investment Parameters
| Deal Size | £250,000 to £5,000,000 (Sweet spot: £500,000 to £2,500,000). |
| Stage | Any stage - including land, planning, development, stabilisation, or disposal. |
| Position | Any part of the capital stack - senior, mezzanine, stretch senior, equity. |
| Tenure | Up to 2 years (bridging, planning or repositioning), with potential extensions. |
| Security | Legal and/or equitable charges, guarantees, share pledges, options and undertakings. |
| Speed | Fast execution available for time-critical or complex deals. |
Looking Ahead
We continue to focus on under-served, high-impact and capital-constrained real estate segments. Our ability to structure bespoke funding solutions - whether senior, mezzanine or equity - allows us to remain relevant across cycles, regions, and asset classes.
If your project doesn’t fit a standard box - we want to hear from you.