Debt solutions made simple
Specialist lender for operational living sectors across UK and Europe.
Kinetic Capital is the only specialist real estate debt provider focused on the operational living sector.
From Purpose Built Student Accommodation (PBSA) finance to Build to Rent (BTR) loans and flexible living, we fund the projects that shape how students and people live.
Who can access funding?
Owners, developers or operators seeking specialist lending and debt financing from £10m to £100m plus.
From PBSA finance to BTR funding, every loan is shaped around your business plan, delivered with clarity, flexibility and speed.
Flexible in our thinking.
Solid in our delivery.
More than a debt provider
With Kinetic Capital you get a trusted partner committed to your project’s success, backed by the global experience and insight of the Dot Group.
At Kinetic Capital, we know funding isn’t just about numbers. It’s about people and long-term partnerships.
To us, operational living isn’t ‘alternative’. It’s our everyday world. We understand the needs of the end user – the student, the resident, the operator – which means, where others might see risk, we see a clear path forward. We make it a priority to understand your business plan and work with you to design finance solutions that flex around it.
Our role is simple. To make your experience easier, faster and more rewarding. That’s what drives value and our whole team, every day. It’s that pioneering, purposeful and positive approach that runs through the whole Dot Group.
PADDY ALLEN
CHIEF EXECUTIVE OFFICER
Kinetic Capital
Why choose a specialist lender over a bank?
Deep sector knowledge meets tailored finance.
SECTOR EXPERTISE
We’re specialists, not generalists. Because we understand operational living, you don’t have to spend time explaining or justifying your business plan. We know your sector and the challenges you face, so we can guide and shape finance products that work for your business.
BUSINESS ALIGNMENT
We don’t do off-the-shelf loans. Whether PBSA loans, Build to Rent finance or wider operational living debt, we design funding that is aligned to your future plans. More than just a debt provider, our sector knowledge and relationships mean we can add value beyond the numbers, providing insight others might not have.
PERSONAL APPROACH
With Kinetic Capital you get a long-term partner, not a revolving door of contacts. One senior lead works with you from first call to final repayment. Consistent, clear, committed. The earlier we’re involved,
the more value we can add, and the
stronger and more successful the partnership becomes.
And because we’re part of the Dot Group, you benefit from global access and deep sector knowledge that most traditional lenders simply can’t offer.
Flexible in our thinking. Solid in our delivery.
Recent projects
Traffic Street
Nottingham, UK
Student housing development of 522
bed spaces across two buildings in a prominent location in Nottingham city centre’s Southside.
Albany Road
Earlsdon, Coventry, UK
A 462-bed purpose-built student accommodation (PBSA) development.
Ash Grove
Guildford, UK
A development of 99 studios and generous amenity spaces adjacent to
the University of Surrey main campus.
Traffic Street
Nottingham, UK
Student housing development of 522
bed spaces across two buildings in a prominent location in Nottingham city centre’s Southside.
Albany Road
Earlsdon, Coventry, UK
A 462-bed purpose-built student accommodation (PBSA) development.
Ash Grove
Guildford, UK
A development of 99 studios and generous amenity spaces adjacent to
the University of Surrey main campus.
How flexible can debt finance be?
Flexibility, speed, partnership.
At Kinetic Capital, we make it simple. We deliver debt finance that is built around your vision – from development finance to long-term investment funding. And we bring the knowledge and passion for your sector to make your business goals a reality.
We’re in it for the long run. We can line up finance ahead of planning, unlock opportunities through our sector knowledge and global relationships, and stay with you all the way – not just until the deal closes.
Better flexibility. Better understanding. Better experience.
