Funding for UK and international businesses, on the borrower’s side.

AMAI Capital is led by its founder and Managing Director, Armani Richards, a practice-trained accountant with nearly twenty years’ experience across accountancy, restructuring and lending.

Armani trained in accountancy practice in Manchester, preparing accounts and advising owner-managed businesses. He went on to advise fast-growing SMEs at BDO on their financial reporting, systems and management information. He then spent several years in RSM’s corporate restructuring team, working on administrations, liquidations, voluntary arrangements and rescue sales, and seeing first-hand why businesses unfortunately fail.

He then moved to the lender’s side as an Investment Manager at The FSE Group. There he originated lending opportunities, deployed capital to growing SMEs, carried out due diligence, stress-tested forecasts and took deals through credit committee to completion.

He founded AMAI Capital to put that experience to work for borrowers. AMAI is a member of the NACFB with a panel of several hundred lenders. It arranges debt finance for limited companies across business, property, acquisition, asset and working-capital lending, and provides fixed-fee advisory on existing borrowing and proposed transactions.

Every case is prepared the way a lender will assess it. The accounts are analysed, the forecasts tested, and the questions a credit committee will raise are answered before anything is submitted.