Brickflow partners Factored on £50,000 rent advances

Brickflow has partnered with Factored to add a rent advance product to its property finance platform.

The deal gives landlords access to advances of up to £50,000 against rental income, with funds available within 24 hours. The product is designed to sit alongside the larger loans already available through Brickflow's marketplace.

Factored's offering is aimed at landlords who collect rent monthly but need cash sooner for short-term spending, including refurbishment work, EPC upgrades, business growth and cash flow needs while a refinance is being completed.

For brokers, the partnership adds another funding option that can be introduced alongside more conventional property debt. Commission is available to introducing brokers.

The agreement expands the list of third-party services available through Brickflow's platform to brokers and borrowers seeking finance and related support. Brickflow focuses on commercial property finance and says it connects brokers and borrowers with live rates and lending criteria from more than 150 specialist lenders.

Factored has been trading in the UK for just over three years and operates only in the domestic market. Its rent advance product is structured with a single fee based on the amount advanced.

Funding gap

The partnership reflects a wider push by property finance platforms to address smaller funding needs that often fall outside mainstream lending products. Bridging, development and buy-to-let finance can support larger transactions, but landlords often face shorter-term cash gaps linked to works programmes or delays in refinancing.

These gaps can arise when owners need to pay contractors before rent receipts build up, or when they must complete energy efficiency improvements to meet regulatory or lender requirements. In such cases, relatively modest sums can determine whether a project stays on schedule.

Adding Factored broadens the options for users who need that type of short-term liquidity. Brickflow has been building a wider network of services around its core digital lending proposition.

"Brickflow is committed to building out tools and funding options for brokers and borrowers. Factored introduces an innovative offering that works alongside traditional property finance and can be particularly useful for landlords managing cash flow or waiting for refinancing," said Frazer Campbell, Chief Revenue Officer at Brickflow.

For Factored, the agreement opens access to Brickflow's broker network and landlord user base. Its model is based on advancing funds against expected rental income rather than arranging a standard property loan.

That positions the product as a complement to existing debt structures rather than a replacement. In practice, it is designed for situations where landlords need speed and a smaller amount of funding than they might seek through a refinance or other secured borrowing.

"We're excited to partner with Brickflow, whose presence in the UK keeps growing, and bring our rent advance solution to a wider network of brokers and landlords across the UK. Our goal is to provide fast, simple access to capital that helps property professionals keep projects moving," said Ben Schuldenfrei, Co-Founder of Factored.