About Us

NapeX Finance – Property Finance And Real Estate Brokers In London And The Midlands

NapeX Finance is a specialist property finance and real estate finance brokerage. We work with a wide variety of lenders ranging from traditional corporate and commercial finance providers through to private lenders, mezzanine financiers, equity providers and peer-to-peer lenders. We also support joint ventures and have a business consultancy offering.  

Our team consists of highly experienced ex-lenders, with over 34 years of experience working on the ‘other side,’ ensuring your engagement with us is Powered by Knowledge. This knowledge not only gives our clients an unrivalled insight into the lenders and their processes, it allows us to foresee and overcome potential obstacles. With experience both in sales and credit – the two sides of a lending business  –   we have diverse relationships with the lenders and a proven track record of delivering for our clients with minimal delays along the way.

Tom Clark

Co- Director

Tom is one of the co-founders of NapeX Finance and an award-winning former Head of Sales within leading real estate finance teams and specialist lenders/challenger banks.

His experience ranges from offering SME finance in his early career through to structuring debt facilities for some of the largest real estate companies/institutions in the UK market.

He is known for setting up lending businesses with a unique understanding of how lenders work, providing our clients with long-term relationships, giving full insight into what lenders want together with the ability to deliver facilities efficiently and quickly.

Connect with Tom on LinkedIn

Sebastiano Carrelli

Co- Director

Sebastiano is a co-founder of NapeX Finance and an accomplished Head of Lending and Credit.

He is a traditionally trained corporate real-estate banker who started his career in SME finance before specialising in property lending within high street lenders. His career saw him move back into trading businesses where he provided financial solutions to large corporates and PLCs. Latterly, he moved into the alternative finance market where he structured bridging loans as well as development facilities for regional and national developers. He has, therefore, successfully run lending teams and recovery teams, as well as acted as head of credit within various segments of the market.

His insight and experience give our clients a full look into what a lender’s credit team expects to see, with the foresight to recognise any potential challenges that may arise.

Connect with Seb on LinkedIn

Zach Underhill

Business Development Manager

After returning from traveling and working abroad for 3 years, Zach joined the team in 2020 and works with both developers and investors on a day to day basis.

He is training to be a specialist in development and bridging finance and has a depth of knowledge in property finance. 

Zach also manages our network of professional introducers.

The next stage of his journey is to sit his regulated mortgage exams (CEMAP).

Looking for in-depth information about Specialist Property Finance?

Download our product guides covering bridging loans, buy-to-let, specialist fincance, development finance and much more...


Being armed with all the relevant information at the outset.


Providing the highest standard of service for both our clients and lenders.

Long Term

Ensuring that the long-term goals of our clients are at the heart of everything we do.


Utilising our experience & relationships together with technology to improve the journey of our customers.

© 2018-2022 - Napex Finance Limited
Napex Finance Ltd is registered in England and Wales No. 11595149. Registered Office: 78 Loughborough Road, Quorn, Leicestershire, LE12 8DX All rights reserved. Napex Finance Ltd is authorised and regulated by the Finance Conduct Authority (FCA) No. 827051. The FCA does not regulate some mortgage contracts.