Taking the time to understand your business needs and doing our best to find you the right kind of financing.
Our position
Traditional lenders deal in generalities. What is the turnover? How long have you been trading? This might be easy to model, but often misses important information.
We have a conversation, review your financials and take it to the lenders that we think suit best. Always trying our best to get you the best rates.
We would rather take the time to understand your needs than put you in a model.
What we arrange
Money to trade with.
Borrowing against the trade the company already does: stock, wages, a seasonal dip, or an order rather larger than the balance sheet is comfortable with. Arranged on the cash coming in and on a reason for the money we can see clearly.
Get in touchMoney you have earned, released early.
Cash advanced against unpaid invoices, or against stock sitting in the warehouse, so that money the company has already earned is not waiting sixty days behind somebody else's payment run.
Get in touchMachinery, vehicles and plant.
The asset pays for itself across its working life rather than out of this quarter's cash, which is usually the difference between putting capacity in ahead of the work and turning the work down.
Get in touchBuying a company, including your own.
Money to buy the business next door, or the one you already run. These take longer and need the case put properly, because the lender is backing a plan and the people carrying it out rather than a set of filed accounts.
Get in touchWe also arrange commercial property and development loans, and replace borrowing you already have on better terms. All six, set out in detail.
What we look at
We use the five C framework to quickly understand your needs and which lenders we should approach.
What moves through the business, and whether it supports the plan.
The company's track record, and the people running it.
The market it trades into, and what is happening in it.
What has already been put in, and by whom.
What stands behind the money if the plan does not hold.
Who we work with
What a company needs from us depends far more on who is asking than on what happens to be available this month.
People who built the thing and still run it, wanting money to grow, debt that fits the way the business actually trades, or a straight answer on whether the money is worth taking at all.
Companies passing between generations, where continuity counts for as much as the figures, and where a structure has to work for the next twenty years rather than the next two.
Teams buying the company they already run, or the one next door, who need the case put together properly and taken to lenders who back people as well as assets.
Speak to us
Say a little about the company rather than just the number you have in mind. We will come back to you within a few days.