Get the capital you need

SME Capital provides long-term debt solutions to SMEs that are going through significant strategic milestones or events. We are committed to supporting established medium-sized UK businesses through a streamlined and relationship-focused approach.

We review each company, their underlying business plan, and their management team all on their own merits rather than taking a one-size-fits-all approach. With local regional directors across the UK, our team will take the time to fully understand your needs and are on hand to support you with your application.

Find out more

Is your business eligible?

We work with profitable UK businesses that typically have:

  • An EBITDA of at least £0.25m+
  • At least 3 years of trading history
  • Strong recurring cash flows
  • A proven management track record

Funding the backbone of the UK economy


Interest rates from 8% p.a.

SME Capital's flexible approach and professionalism were critical in securing the acquisition.

David Richmond, Chairman of Arrow Cars, has been able to make a series of successful acquisitions through SME Capital's backing.

Streamlined process

An initial application provides you with an informed decision within 5 days.

Local presence

Discuss your financing needs with one of our regional directors.

The process was straightforward from application through to deal completion. SME Capital’s sector agnostic and flexible approach to structuring loans has proven to be of huge benefit.

Adrian Kirk, Advisor at Allinea Corporate

Our funding partners

At SME Capital, we support owner-managed and local businesses in taking the next step in their evolution, whether that be growth, acquisition or succession. We’re very pleased to work with high quality investors like SCIO and Prytania who share our conviction that SMEs are core to the post-pandemic recovery, innovation and establishment of strong local and national economy here in the UK.