About Us

Our well-established relationships with both debt lenders and equity providers, coupled with our extensive experience and knowledge of the real estate finance market, means we can access and negotiate the most attractive sources of capital for our clients.


Lender Relationships

£1m + 

Debt Quantum

Focusing predominantly in the UK, we have experience in advising and structuring loan facilities ranging from £1m upwards. We specialise in bridging, commercial and residential investment and development finance. No matter the requirement, we will lead and manage the entire process for our clients from inception through to completion. At Kalms Property Finance we pride ourselves on establishing valued and long-lasting relationships. We enhance the client experience by tailoring our service to their varying, and often complex, requirements. This hands-on personalised approach means we can structure and deliver a facility in line with their business plan.

Meet our Team

Samuel Kalms


Sam founded KP Finance in 2016 and has spent over 10 years as a debt advisor within the real estate industry. Always looking to add value and deliver the most suitable finance facility for each borrower and transaction, Sam focuses on really understanding his clients’ business plan.

The knowledge he gained as a proprietary trader in the early part of his career coupled with his experience and strong understanding of real estate, has enabled him to structure complex and bespoke funding packages. Utilising his vast network of established professionals within the industry Sam is able to bring other stakeholders in where needed to assist with the process and provide additional supportive services.

Sam’s clients are based in both the UK and overseas including Property Companies, Family Offices and Funds. He has arranged finance across a wide range of sectors including: Residential, PRS, Office, Industrial, Student Accommodation, Retail and Hotels.

Outside of work you used to find Sam on the football pitch or golf course. Nowadays he spends most his spare time looking after his three young daughters.

Ricky Bloomberg

Property Finance Associate

Ricky joined KP Finance in 2022 having spent the previous 12 years in the real estate industry. From 2010, Ricky successfully grew a small independent North London Lettings & Management business into one of the market leading firms in the area.

His professionalism, exemplary service, and attention to detail is what sets him apart. With a strong acumen for business development and client work Ricky moved to a market leading Referencing and Rent Guarantee Insurance provider, taking on new business from London’s leading Agents.

Ricky later moved to become business development manager for an established real estate finance brokerage firm, where he quickly learnt the skills required to excel in this market.

Now as Associate at KP Finance, Ricky has continued to grow and develop his skills on the finance side. He supports the Managing Director on a wide range of debt deals, whilst also focusing on extending and strengthening the company’s stakeholder relationships.

Outside of work Ricky spends most of his spare time with his family and following the Spurs.

Dealing with Sam and Ricky has been an absolute pleasure. Each time when the lenders put up yet another barrier, they skilfully navigated us through so that in the end I’ve got exactly what I needed with a minimum of hassle and maximum of support. I would highly recommend this excellent team

Mr L Lovat, Investor

Samuel acted for me on a few of my property refinancing and development finance deals. He was very efficient and talked me through the whole process and regularly updated me. The transaction was smooth and speedy. I will be using his services moving forward

Mr R Nehru, Developer

I have always found Sam to be efficient, a quick responder and solves problems when presented. I have full confidence in him to find me the most suitable deal and manage the process. Having worked with him for many years now I highly recommend his services.

Mr G Gaty, Investor

It has been a true pleasure working with Sam at Kalms Property Finance on a range of transactions from development to asset management. We were thrilled with the way they were able to source the required senior debt finance on all transactions which met all our criteria. They took time to understand each deal to the minute details before presenting us with a range of funders who would be best suited.

Mr S Farage, Developer

As an Overseas investor it is important we are supported by knowledgeable, trustworthy and well-connected professionals on the ground. I can confidently say Kalms Property Finance tick all these boxes.

Mr I. Hersh, Investor

A very professional and personalised financial service, highly recommended. Look no further.

Mr B Khakouei, Investor

To me, what I love about your practice is that Sam and Hollie are always available to answer any queries and your client care is so much better than any other firms we have used in the past! Wish I got to know about you guys earlier!

Mr T Tan, Investor

For the uninitiated, the task of raising finance can feel like a never-ending barrage of information requests from financial institutions, culminating in them probably knowing what you put on your Weetabix in the morning. The guys @ KPF take the sting out the process to allow their clients to better gauge the most appropriate lender for them, whilst also allowing their clients to better comprehend all aspects of the deals they are entering into.

Mr R Taube, Developer