Bridge Financing Specialists

Providing bridge financing solutions for the past 10 years, VAR Capital has a breadth of experience in high-value and complex bridge financing solutions. Operating out of Mayfair, we specialise in bespoke debt advisory solutions, with our clients at the forefront.

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High-Value Bridge Loans

With a network of established and respected partners, VAR Capital sources bespoke bridge financing solutions for the largest and most complex developments. We specialise in supporting high and ultra-high-net-worth-individuals find tailored debt solutions to fuel their ambitions.

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Flexible Bridging Finance Solutions

At VAR Capital, we acknowledge that high and ultra-high-net-worth-individuals often require tailored solutions to manage their vast portfolios. Every bridge financing solution that we develop is personalised to you and ensures that your best interests are prioritised.

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Asset Management
Our Services

Debt Services

What is Bridge Financing?

If you need a short-term loan which is secured against an asset, bridging loans can be viable solution for resolving your financial needs. Historically, bridge loans have been used to bridge-the-gap between two long-term mortgages, but they are now used for a myriad of different purposes. Bridge financing is primarily used to service those when banks cannot. For instance, when swift access to funds is necessary for an auction purchase, or for resolving immediate debt.
There are several reasons why someone may not qualify for a regular loan, and instead may require bridge financing. One may be that the individual has a poor credit history, as most lenders rely on credit scores to assess the risk of lending. Another could be a high debt-to-income ratio as, even with a large income, having high levels of existing debt may make it difficult for banks to arrange additional debt. More commonly, some borrowers may not have an adequate down payment for the loan, which makes the likelihood of their loan application being accepted far lower.
Bridge loans have a maximum term of two years but are usually financed with a term of one year. Typically, the loan-to-value (LTV) ratio is 70%, meaning that up to 70% of the property’s value can be borrowed. For example, if the value of a property is £10,000,000, a bridging loan can be arranged for £7,000,000. VAR Capital can facilitate bridge loans in less than ten days, ensuring that you acquire financing when you need it.

Asset Management
Our Services

Debt Services

Why VAR Capital for Bridge Financing?

VAR Capital is an FCA-regulated firm (718558), operating out of Mayfair, London. It was founded on the belief that big banks do not adequately meet the needs of high and ultra-high-net-worth-individuals who require better bespoke solutions for their vast and complex financial requirements.
Our extensive experience in debt advisory allows us to tailor and facilitate bridge financing solutions in under ten days – giving you peace of mind whilst organising your finances. We have access to a network of well-regarded banks and financial institutions, enabling us to provide a myriad of bridge financing options for you to choose from.
VAR Capital advises on bridging solutions for loans above £1,000,000, with a maximum term of 24 months. There is no limit to the size of bridge financing that we are willing to facilitate for our clients.





Awards and recognition




TEAM

VIKASH

VIKASH GUPTA
Co-Founder and CEO

RAJAT

RAJAT SHARMA
Co-Founder and Chief Investment Officer

valerie

Safinah Ali
Senior Analyst

Co-Founder and CEO

Vikash joined VAR Capital from Barclays, where he was part of the Key Clients and Family Offices team within the UK private bank.

Vikash was also a member of the Investment Committee of the UK private bank.
Before joining Barclays, Vikash was at Booz & Company, providing corporate and M&A advisory services to some of the world's leading financial institutions. Vikash holds an MBA from Carnegie Mellon University, Pittsburgh, USA, and bachelor's degree in engineering from Bangalore University, Bangalore, India. Vikash is a board member of Spirit of 2012, a not-for-profit organisation set up to keep the spirit of the London 2012 Olympic Games alive.

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Co-Founder and Chief Investment Officer

Rajat worked as CIO for the Ahluwalia Family Office, the single family office which evolved into VAR Capital.

Before joining the Ahluwalia Family Office, he worked at a variety of hedge funds, investing in global equities and global credit at Marshall Wace Asset Management, Stark Investments and Marble Bar Asset Management, where he was a partner. Rajat has passed all three levels of the Chartered Financial Analyst exams from the CFA Institute. He holds a Masters in Finance from London Business School, London, UK, an MBA from the Indian Institute of Management, Calcutta, India, and a Bachelors in Technology (Chemical Engineering) from the Indian Institute of Technology, Delhi, India.

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Analyst

Safinah is an Analyst at VAR Capital. She previously worked in the Private Relationship Management team at Al Rayan Bank. Safinah has completed a BSc. degree in Biomedical Science from University of Surrey.

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valerie

VALERIE BERTUMEN
Assistant Vice President

ravibulchandani

RAVI BULCHANDANI
Partner

James Fleming

James Fleming
Vice Chairman of Advisory Board

Senior Analyst

Valerie is an investment analyst at VAR Capital.
She previously worked at an accounting firm advising small and medium enterprises on finance and accounting related topics.

Valerie holds an honours degree in Mathematics from the University of Warwick. Her mathematics degree combined theory, with modern applications in operational research, statistics, business, finance and economics. closeicon

Partner

Ravi is the Head of VAR's investment committee and a client adviser. He was previously a Managing Director and covered Ultra High Net Worth clients at J P Morgan and Barclays. Ravi also had investment banking and investment management roles in Morgan Stanley and Goldman Sachs, where he was an Institutional Investor ranked international economist and currency strategist.

Ravi has degrees in Economics from the University of Cambridge, the London School of Economics and Stanford University where he spent four years in advanced economic research in the PhD programme.

Ravi is a visiting lecturer at Imperial College Business School and is Advisor to several funds and corporates on strategy, fund raising and investment banking. He serves on the Board of The Doon School in India. closeicon

Vice Chairman of Advisory Board

James is the Vice Chairman of Advisory Board at VAR Capital. James Fleming started his career at Hambros Bank before joining Coutts & Co and, latterly, Arbuthnot Latham Private Bank as CEO. Before joining VAR Capital, James was the CEO of Sandaire, a multi-family office which was acquired by Cazenove in 2020.

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DINA

DINA GEHA
Member of Advisory Board

lynn

Lynn Baker
Executive Director

TOM

TOM GRAHAM
Partner and Head of Lending

Member of Advisory Board

Dina has over 16 years experience in investment banking and institutional sales.

She is currently Global Head of Hedge Funds at Exane BNP Paribas in London. She was earlier a Managing Director and Head of Hedge Funds – Equity Sales at HSBC and Bank of America Merrill Lynch, in London.
She is a graduate of Wharton School of Business, Philadelphia, USA where she completed her Masters in Business Administration.

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Executive Director

Lynn joined VAR Capital as Executive Director in 2023 with more than 20 years’ experience managing a portfolio of International Private Clients as a Senior Private Banker with Arbuthnot Latham, Coutts and Citibank. Having graduated with a BA Joint Honours in Modern Languages from the University of Salford, Lynn works closely with many European and Latin American families, Trustees and Tax Advisors helping them find appropriate wealth management solutions.

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Director and Head of Lending

Tom joined VAR Capital from Opes Financial Partners, where he had spent 3 years providing tailored financial solutions to HNW individuals.

He has previously spent 11 years advising private clients in the Wealth Management departments of Barclays and the Royal Bank of Canada. Tom received a BA in Economics from Durham University and the Chartered Financial Analyst designation from the CFA institute.

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sukhpal

SUKHPAL SINGH AHLUWALIA
Chairman of Advisory Board

Nikhil

Nikhil Malik
Executive Director

PATRICK

PATRICK MEMMI
Director

Chairman of Advisory Board

Sukhpal is a serial entrepreneur and investor. He is the Principal of Dominvs Group, his family-ownedprivate equity and real estate business, which owns and develops prime and super-prime property andhospitality assets across the UK. Under his leadership,the company has developed visionary development schemes, pioneered brand new approaches to property, andrestored historic buildings to create outstanding hotels, offices and homes across the UK. ThroughDominvs, Sukhpal is also ahands-on investor, applying his decades of first-hand business and investment experience to turn aroundestablished businesses, such as truck parts giant Digraph, and kickstart new ones, like jet brokerageDominvs Aviation and VARCapital itself, which evolved from his own family office.

With his trademark energy andambition, before Dominvs, Sukhpal founded Euro Car Parts. Starting from a single store in Willesden,London, Sukhpaland his team turned it into the largest distributor of car parts in Europe. It was one of the firstbusinesses in any industry to launch a web presence, which helped drive it to 300 branches and more than10,000 employees. Sukhpalalso spearheaded the creation of its cutting-edge automated distribution centre, the first of its kindin Europe. The business was acquired by NASDAQ-listed automotive multinational LKQ Corporation in 2011for £280 million, when Sukhpalwas invited to join the global Board and until 2019 applied his expertise to help accelerate theirbusinesses in the UK, Ireland and India as Executive Chairman.

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Executive Director

Nikhil has joined VAR Capital as an Executive Director. He has over 16 years of industry experience, having worked with Barclays as a Private Banker in Switzerland, Singapore and India and with Bank J Safra Sarasin as a senior banker.

Nikhil is a Chartered Financial Analyst (CFA) Charterholder. He graduated from the University of Mumbai with a Bachelor of Engineering Degree in Computers and has an MBA from SP Jain Institute of Management Research, Mumbai. In addition, Nikhil is a Six Sigma Green Belt. Outside work, Nikhil pursues his passion for photography and the outdoors with his family.

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Director

Prior to joining VAR Capital, Patrick ran his own boutique investment advisory in London. He draws onmany years of experience in corporate finance and advisory at international banks in the US and inEurope. He was a senior coverage banker in the InvestmentBanking Division of Credit Agricole, covering large French clients including France Telecom, EDF,Vivendi and Veolia Environment. Prior to that, he was a managing director at Dredsner Kleinwort andheaded their corporate finance businessfor France. Patrick has a particular interest in international wealth management and has held positionsin regulated investment activities in the US, in the UK and in France. Patrick holds an MBA fromCarnegie Mellon University, Pittsburgh,USA, and an MS in civil engineering from École Spéciale des Travaux Publics, Paris, France. Hisundergraduate work was in maths and physics.

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STEPHANE

STEPHANE AURELIEN MUNOZ
Assistant Vice President

POOJA

Pooja
Senior Analyst

Richa

Richa Miglani
Senior Analyst

Senior Analyst

Stéphane is an investment analyst at VAR Capital. He previously worked as an Assurance Associate at PwCMauritius. Stephane is currently studying towards his MSc Finance at Warwick Business School and hascompleted his Bachelor’s degree at Curtin BusinessSchool. He speaks English, French and Spanish.

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Senior Analyst

Pooja has more than 15 years of experience in Financial Reporting, Financial Planning & Analysis,Compliances and Pricing. Before joining VAR Capital, she was working as Assistant Vice President withAviva Life Insurance Company India Limited. She worked for different industry like insurance, creditcard, finance consulting and auditing and business processing. Pooja is a qualified CharteredAccountant.

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Investment Analyst

Richa Miglani is an investment analyst at VAR Capital.She has more than 9 years of experience in finance and accounting across reputed Private & PSUOrganisations. Before joining VAR Capital, she was working with Central Railside Warehouse Co Ltd – AMini Ratna PSU and Sarthi Advisors Pvt Ltd. – A category one Merchant Banker.Richa holds an MBA in Finance from ICFAI University and is a Commerce graduate from Delhi University,Delhi, India.

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SHILPA

SHILPA NANDA
Senior Analyst

PETRA

PETRA POSNIKOVA
Director

Sucheta

Simon Reid
Investment Director

Senior Analyst

Shilpa has eight years of experience across general administration, HR and clientservicing.

Prior to joining VAR Capital, Shilpa worked at Adidas. Shilpa holds an MBA in HumanResources from ICFAI University and a commercedegree from Delhi University, Delhi, India.

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Director

Petra is responsible for equity research and portfolio construction for VAR Capital. She was earlierresponsible for London & Capital’s UK Equity fund, as well as performing equity analysis of selectedglobal companies.

Beforejoining London & Capital in summer 2016, Petra worked as a Corporate Finance Analyst at Craton Partners.Prior to that, she was an Analyst in the Equities Sales & Trading division at Morgan Stanley and aGraduate Trainee at M&G Investments.Petra has also completed summer internships at Goldman Sachs and Morgan Stanley in London.

Petrahas a degree in Politics from University College London and passed all three levels of the CFAprogramme.

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Investment Director

Simon has over 15 years of experience managing concentrated equity portfolios. Before joining VAR, he was a fund manager in the Global Equity Income team at Legal & General Investment management, where the portfolio was managed with a strict value philosophy and delivered 5.7% annualised outperformance. Prior to LGIM, he was a portfolio manager at Ennismore Fund Management, running a long/short portfolio that delivered an annualised return of 14.0% over a decade. He has an MSci in Mathematical Physics from the University of Nottingham and is a CFA charterholder.

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Sucheta

Suchet Singhal
Senior Analyst

AMY

Amy Stewart
Vice President

chirag

Chirag Patel
Executive Director

Analyst

Suchet is an Analyst at VAR Capital. Suchet holds a BSc. in Business Management & IT from University College London. Prior to joining VAR Capital, Suchet gained experience at a boutique wealth management firm in London and a commercial bank in Mauritius.

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Vice President

Amy joined VAR Capital as a Vice President. Prior to VAR, Amy worked in Barclays Private Bank for a number of years working with international clients.

Amy holds a Bachelor and a Masters degree in Economics and Geography from University of Aberdeen.

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Executive Director

Chirag is an Executive Director at VAR Capital where he is responsible for Business Development in the UK and growth markets. Chirag is an ex-Barclays and JP Morgan Banker with over 15 years of Capital Markets, Risk, Structuring, and UHNW Relationship Management experience. During his time at Barclays, Chirag travelled extensively to Dubai and South East Asia managing UHNW international clients in the region. Chirag also spent over 4 years at JP Morgan in the Corporate and Investment Bank business, namely in Credit Markets, Research and Emerging Markets. Chirag has a Business Management with Finance degree from Westminster Business School.

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ASHISH

ASHISH VASUDEVA
Co-Founder and Head of Clients

ASHISH

Riandeep Dhooper
Analyst

Co-Founder and Head of Clients

Ashish joined VAR Capital from Barclays where he spent eight years in the wealth management business.

He advised ultra high net worth individual and family office clients on wealth management, corporate and investment banking. Prior to working at Barclays, he spent time at Jefferies, in the Debt Capital Markets business. Ashish holds an MA in Law in International Law from the University of Edinburgh, Edinburgh, UK, and an MA in Economics and International Relations from the University of St Andrews, St Andrews, UK. Ashish is a Chartered Financial Analyst Charterholder from the CFA Institute.

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Analyst

Riandeep is an Analyst at VAR Capital. He graduated from Warwick Business School with a BSc. degree in Management in July 2023.

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    Disclaimer

    We are not a lender. We are a credit broker and intermediary. Bridge finance uk and bridge finance london are trading names of var capital limited. Var capital’s company register number is registered 09159540. Var capital is registered at 41 & 43 maddox street, london, england, w1s 2pd. Var capital’s fca registration number is 718558. Var capital is authorised and regulated by the financial conduct authority. Details surrounding var capital’s fca authorisation can be found on the financial register. Not all products or services provided by us are regulated by the financial conduct authority, because we conduct both regulated and unregulated business. We will confirm this to you before you proceed. Depending on the provider / lender, product, or other permissible factors, we may receive commissions that may vary. Again, the nature of any commission model will be confirmed to you before you proceed.

    Contact

    The team at VAR Capital would love to hear from you. You can call us or fill the form and we will get back to you shortly.

    41 & 43, Maddox Street
    Mayfair, London
    W1S 2PD
    +44 207 0960 790


    Winner of Investment Team of the year 2020/21 by STEP Private Client Awards
    Runner up of Best Family Office in UK 2020 by Euromoney
    Finalist: Family Office of the year - Magic Circle Awards 2020
    Winner of Best Asset Manager and Family Office in UK 2018 by Euromoney