Six groups of debt finance, each placed with the lenders and funders who want that kind of deal. Acquisitions lead; the rest is the capital that keeps a business moving.
Whole of market and every stage, from start-up to established, with facilities to £50 million and beyond. Where a requirement sits outside our remit, a specialist partner in our network is introduced, and we tell you in writing if we receive a fee.
Senior debt, cash-flow lending and asset-backed facilities to buy a business or buy out its owners.
Acquisition and MBO finance
to £50m+ · structured per transaction
Management buyouts and buy-ins, bolt-on and competitor acquisitions, structured so the deal services itself, with vendor loan notes and blended structures where the transaction calls for them.
Commercial mortgages, bridging, auction and development finance to buy, build, refinance or release equity from commercial and investment property.
Commercial mortgages
to £50m+ · to around 75% LTV · 5 to 25 years
Long-term finance to buy, refinance or release equity from commercial and mixed-use property.
Bridging and short-term
£100k to £50m+ · 1 to 24 months · non-regulated
Fast, flexible capital for auction purchases, refurbishments and time-critical commercial or investment purchases, completing in days where the valuation and legal work allow.
Auction finance
to £50m+ · bridge or commercial mortgage · non-regulated
Finance for property bought at auction, arranged as a bridge or, with the term lenders who work to an auction timetable, as a commercial mortgage from day one. Speak to us before you bid, so the funding route is clear before the completion clock starts, typically 28 days from the fall of the hammer.
How auction finance worksDevelopment finance
to £50m+ · typically 65 to 70% of GDV
Ground-up builds, conversions and heavy refurbishments, structured around GDV and drawdowns.
Term facilities for growth, working capital, equipment and one-off costs, placed with high-street banks, specialist lenders and community funders.
Business term finance
to £50m+ · 1 to 7 years
Secured and unsecured term facilities for growth, working capital, equipment or one-off costs. Where it fits, structured under the Growth Guarantee Scheme.
Growth finance
to £10m+ · 2 to 7 years
Growth and expansion capital from government-backed and regional funds, specialist growth lenders and, for younger businesses, community lenders: for companies scaling faster than the high-street banks will back.
Turn unpaid invoices, stock and confirmed orders into working capital.
Invoice finance and factoring
to around 90% of invoice value · facilities to £50m+
Release the cash tied up in unpaid invoices to fund growth and smooth working capital.
Trade and supply-chain finance
per order or facility
Fund stock and supplier payments against confirmed orders, so growth is not throttled by the cash cycle.
Revenue-based finance and merchant cash advances
flexible repayment
Funding repaid as an agreed share of card takings or monthly revenue.
Hire purchase and leasing for machinery, vehicles and equipment, from mainstream asset lenders to specialists in unusual assets.
Asset and equipment finance
to £50m+ · HP or lease · 1 to 7 years
Spread the cost of machinery, vehicles and equipment while protecting cash flow.
Revolving facilities to keep operations moving, funding for one-off tax bills, and better terms on existing borrowing.
Working capital and overdrafts
to £50m+ · revolving, per facility
Revolving credit and cash-flow facilities to keep operations moving and fund expansion.
VAT and tax funding
3 to 12 months typical
Spread a one-off VAT or corporation-tax bill to protect cash flow.
Refinance and restructuring
per facility
Review existing borrowing for a lower rate or terms that fit the business better.
Who we help
From start-up to maturity: debt-led, with equity introductions where they genuinely serve the deal.
Pre-trading or pre-profit, with limited financial history. Typically under two years old.
Typical facilities
Growth finance · CDFI and community lending · asset finance · selective invoice finance · revenue-based finance · equity introductions
Profitable and reinvesting, with a solid trading record. Usually more than two years old.
Typical facilities
Business finance (secured and unsecured) · overdrafts and revolving credit · asset finance · invoice finance · revenue and trade finance · equity introductions
Stable and scaling: acquiring, building or entering new markets.
Typical facilities
Commercial mortgages · development and bridging finance · acquisition and MBO finance · asset and trade finance · working capital
Mature and stable, with strong financial performance.
Typical facilities
Commercial mortgages and refinance · bridging and development finance · asset finance · invoice finance · working capital and restructuring
Limited companies and LLPs across every sector: manufacturing, construction and engineering, care and healthcare, food and drink, retail and leisure, professional services, transport and property.
Ranges are typical and subject to lender criteria and status.
Where it serves the deal, we can also introduce equity routes, and specialist partners for insurance, regulated advice, accountancy and legal work. Introductions are made on the basis of fit. Where we receive a fee for an introduction, we tell you in writing.
Make an enquiryChoose the finance, move the sliders, then tell us who you are. We will come back within one working day with the real options.
