Total Transparency. Total Alignment.

Key Capital is built on long-term relationships and lasting relationships begin with clarity.

We are proud to lead with transparency, publishing our complete fee structure and disclosing exactly how they are handled, including fees received from the lenders.

The Advisory Fee: £500

(Payable upon submission of full application)

We invest significant resources into underwriting your proposal before it ever reaches a lender. This nominal commitment fee ensures we prioritize serious applicants and covers our initial structural work. This amount is fully deducted from your final success fee upon completion.

The Advisory Fee

Our success fee is capped at 1% and is payable only upon the successful completion of your facility.

Regardless of the complexity of the structure or the time involved, our fee will never exceed this cap. If the transaction does not complete, you owe us nothing.

The Net Fee Promise

To ensure our incentives are perfectly aligned with yours, we operate a Net Fee Model:

  1. The Offset: Any procurement fee or commission paid to us by the lender is credited 100% against your advisory fee.

    • Example: If our fee is 1% and the lender pays us 0.6%, you only pay the remaining 0.4%.

  2. The Rebate: In instances where the lender’s commission exceeds our 1% cap, we rebate the surplus directly to you.

Why This Matters

This structure guarantees that when we recommend a lender, it is purely because they offer the optimal solution for your commercial objectives, never because they pay the highest financial incentive.

Effective Date of This Policy

Applies to New Engagements from 1 January 2026

Please note that this published fee structure applies to all new client mandates formally engaged on or after 1 January 2026. All transactions engaged prior to this date remain subject to the specific fee agreements and terms signed at the time of instruction.

FAIRNESS BY DESIGN

Uncommon Transparency

At Key Capital, we believe that if you have to ask how your advisor is paid, the system is broken.

That is why we publish our full fee structure, including our cap, our rebates. We want you to know exactly what we earn and exactly what you are paying for. This structure ensures we are always acting in your best interest, securing the deal that is right for you, not the one that pays us the most.

Why do you publish your fees when others don't?

Because long-term relationships are built on trust, not secrecy. We view ourselves as your “In-House Banker,” and you deserve to know exactly the cost of capital and the cost of advice.

Will I ever be charged more than the capped fee?

For all transactions above £500k, the 1% cap is absolute, regardless of complexity or timeframes.

The only exception is for smaller loans (sub-£500k) where a percentage fee does not cover the minimum cost of execution. In these specific cases, we may agree on a fixed fee in advance to ensure the transaction is viable.

Is your fee the same regardless of which lender you use?

Yes. This is crucial for our independence. By standardizing our fee, we remove any financial incentive to choose one lender over another. We choose the lender that offers you the best terms, period.

Do you work with introducers?

Yes. We act as a strategic partner to private bankers, family offices, and professional advisors.

We function as a specialist credit desk for your firm handling complex, ‘dry lending’, or policy-restricted mandates that may sit outside your internal capabilities.

Crucially, we operate on a strict non-compete basis. We respect the sanctity of your client relationship, ensuring you remain the primary trusted advisor while we deliver the technical execution.

 

Tailored Lending Advice, Built Around You

Our specialist advisors work with leading banks and private lenders to tailor finance solutions that align with your needs — not just your paperwork.

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Why Clients Choose Key Capital

Our advisors bring together deep market access and a strategic approach to structure lending solutions around your unique priorities. We work closely with clients to navigate complexities, unlock better terms, and deliver outcomes that support long-term growth.

Tailored Advice, Not Templates

Bespoke lending strategies shaped around your goals — not just your paperwork.nmwnmem

Market Insight & Negotiating Power

Direct access to decision-makers at 100+ lenders, from private banks to specialist funds.mnwmenmn

Efficient Execution

We manage lender relationships and legal intricacies — even on urgent, high-value deals. mwnmenm

Long-Term Partnership

We act as a discreet, long-term advisor — from first acquisitions to complex portfolio strategies.nwne

Speak to a Specialist

Bespoke insights that go beyond the rates.

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