Discover who we are, our industry experience, and what drives us to provide exceptional Bridging loans to suit your every need, and meet the experienced team behind Phoenix Money.
Privately Funded, Trusted Expertise, Tailored to you.
Since 2020, Phoenix Money has been providing privately funded property finance to investors, developers, and individuals across the UK. With a deep understanding of the property and lending markets, we deliver short-term finance with speed, transparency, and a commitment to supporting our client’s unique goals. Backed by decades of combined experience, we understand the challenges our clients face, from tight deadlines and complex regulations to the pressure of securing reliable funding.
That’s why our personalised service, clear communication, and practical solutions are at the heart of everything we do. We take the time to understand each client’s objectives, tailoring our finance to fit your projects and ambitions. At Phoenix Money, we’re more than just lenders, we’re partners, collaborators, and problem-solvers, committed to making your funding fast, seamless, and stress-free.
Private Funding
Being privately funded gives us full control over who we work with, allowing us to support complex or non-standard bridging loans.
Bespoke Solutions
We work one-on-one with every borrower, taking the time to understand your needs and create a tailored solution.
Flexibility
Free from traditional lending procedures, we can offer greater flexibility to match your project and circumstances.
Why Choose Us
We are more than just a lender; we’re your trusted financial partner. Our goal is simple: to provide the funding you need, when you need it, without the stress or unnecessary red tape.
Fast approval & Funding
Get access to funds in as little as 48 hours.
Flexible Terms
Loans from £50k to £5 million.
Competitive Rates
Transparent and affordable interest rates, no surprises and no hidden charges.
Privately Funded
Fast, efficient decisions. No delays.
No Red Tape
We say yes when traditional lenders say no.
No rigid criteria. No unnecessary paperwork.
No Hidden Fees
Clear and upfront terms.
Meet the Executive Team
With more than 75 years of collective experience, our team has the knowledge, passion, and drive to take on projects of any scale. Meet the experts who power Phoenix Money.
how we work
Enquiry
This is where it starts. Share the key details of your enquiry, what the loan is needed for, and how much you need, and we’ll provide a decision within the hour, so you can move quickly.
Offer
If we’re happy to provide the finance, we’ll issue an offer the same day, which sets out how much we can lend and the terms you can expect, giving you a clear picture of your options.
Instructions
Once you accept our offer, we’ll take care of the rest. Our legal team will work directly with your representatives to ensure everything runs smoothly, all conditions are met, and you are kept updated as the loan progresses.
Completion
As soon as the checks are done, we’ll release the funds to your solicitor so you can move ahead with your project. You will be supported by us throughout the term of your loan.
We support carefully chosen charities that we have strong connections with.
At Phoenix Money, we believe that businesses have an important role to play in supporting the communities they serves. For us, that means giving back to the city of Liverpool and the people who make it such a special place to live and work.
As part of our ongoing commitment to corporate social responsibility, we are proud to support Zoe’s Place Baby Hospice and Alder Hey Children’s Charity throughout the year. Both charities carry out incredible work, providing essential care, support, and hope to children and families when they need it most.
Our team gets involved in a variety of fundraising events and initiatives, from local challenges to company-wide activities, always with the goal of making a positive impact. It’s not about a single reason or campaign; it’s simply about being there for the charities that mean so much to our community.
By supporting these organisations, we hope to play a small part in helping them continue the life-changing work they do every day.
It’s our way of saying thank you to Liverpool and standing alongside the people who inspire us with their strength, kindness, and resilience.
a company that cares
our values
speed
We act fast, so your projects never have to wait. Quick decisions mean you can seize opportunities and keep moving forward with confidence.
reliability
We use our own funds and stick to our promises. You can count on us! No surprises, no second-guessing, just peace of mind.
personalisation
Every loan is unique. We take the time to understand your goals so we can craft a solution that fits you perfectly, allowing you to move forward confidently.
transparency
No hidden fees or surprises. What you see is what you get. We pride ourselves on keeping communication open from day one, so you’re always in the loop and never caught off guard.
Ready to make an application?
Need fast, reliable finance? Work directly with our experienced team, who guide you every step of the way. Let us help you achieve your financial goals, quickly, clearly, and with confidence.
See what our clients are saying
At Phoenix Money, we combine expertise with a personal approach.
Our experienced team provides fast, tailored bridging loans designed around your needs.
No waiting, no red tape, just clear, reliable support to help you achieve your financial goals.
Manish Gambhir
Managing Director
Manish is the Managing Director of Phoenix Money Group, driving the company’s vision and strategic growth since its inception. Under his leadership, Phoenix Money has built a strong reputation for connecting Companies and individuals with bridging finance, consistently delivering tailored lending to meet client needs.
As a hands-on leader, Manish focuses on identifying new opportunities and expanding the business, ensuring Phoenix Money continues to evolve and thrive in a competitive market. His strategic approach and commitment to excellence has established Phoenix Money as a trusted partner for property finance solutions, with ambitious plans for the company’s next phase of growth.
John Drinkwater
Chairman
John brings valuable financial expertise and charisma to Phoenix Money as Chairman. He spent 11 years at Goldman Sachs, leading fixed income teams and specialising in marketing structured products like global mortgage securitisations, earning industry respect.
After Goldman Sachs, he co-founded a successful private equity firm and became the largest shareholder in a bridging and development finance company. His relationship skills helped manage over £1 million in loans and connect high-net-worth lenders, driving growth until the business was sold in 2018.
At Phoenix Money, John’s deep knowledge of finance and his personable nature make him an asset. His extensive network continues to support the company’s expansion.
Rory Nelson
Head of Legal
Rory Nelson is a qualified Solicitor with expertise in Commercial Property and Property Finance. Previously a partner at a leading Liverpool law firm, he now heads legal affairs at Phoenix Money and also works as a consultant solicitor at Excello Law. Since joining Phoenix Money, Rory has been the go-to legal expert, ensuring smooth operations and compliance in complex property deals. His hands-on, proactive approach is a driving force behind the firm’s growth and success.
Yochai Zorno
Head of Underwriting
As Head of Underwriting at Phoenix Money, Yochai leads the company’s lending decisions with unmatched expertise and authority. With over 20 years in property finance, he is responsible for defining Phoenix Money’s risk strategy, overseeing the assessment of complex property loans, and ensuring every transaction meets the highest standards of accuracy, compliance, and strategic fit.
A specialist in bridging finance and high-value lending, Yochai has structured numerous complex deals and, in his previous role at Together, managed monthly completions of up to £100 million. At Phoenix Money, he leverages this experience to lead a high-performing underwriting team, streamline processes, and deliver precise, innovative financing solutions.
Yochai’s leadership ensures Phoenix Money remains at the forefront of property finance, turning client ambitions into reality while maintaining rigorous risk control and operational excellence.
Andy Flanagan
Head of Finance
Andy brings over 10 years of finance know-how to his role as Head of Finance at Phoenix Money. Before joining in July 2023, he spent 12 years at RSM where he was a Senior Audit Manager and led audits for a wide range of industries, always with a strategic mind and a knack for delivering results.
With expertise in financial reporting, compliance, and leadership, Andy manages budgeting and forecasting while guiding the company’s financial direction. Recognised for his attention to detail and strong relationship skills, he plays a vital role in the growth and success of Phoenix Money.
Zennie Major
Operations manager
Zennie joined Phoenix Money as an Executive Assistant, bringing over 17 years of experience across charities, scientific testing, and software. Her diverse background and strong organisational skills quickly proved invaluable, leading to her transition into the role of Operations Manager.
At Phoenix Money, she keeps daily operations running smoothly – managing schedules, coordinating activities, and ensuring the team stays aligned. Known for her professionalism and approachable nature, Zennie fosters positive relationships and open communication.
She’s always proactive and eager to go above and beyond to support her team and help the company succeed.
