Finance designed to help businesses grow
Funding solutions of £0.5m - £5m for established SMEs
How we can help
At SME Capital, we know all businesses are not the same. We provide bespoke, long term funding solutions to UK businesses not one-size-fits all blanket loans.
We exist because we truly believe we provide a better alternative with our custom-made funding solutions for UK businesses to help you grow and succeed. It’s in our DNA. We are experts in SME lending, so whatever the loan purpose, our goal is to become your long term funding partner, which is why each bespoke loan will be specially-designed for you.
Whether for growth, M&A, succession planning or refinancing, we provide the best funding solution for you, without you giving away control or equity.
We understand the importance of trusted relationships and have dedicated regional directors based across the UK who will take the time to understand your business, your unique needs specific to you and support you with your business loan application. We enhance our traditional underwriting with data analytics, including timely risk and trend analysis to put you in control of your future.
By breaking down silos typically found in traditional lending organisations, we give you direct access to decision makers, enabling funding in 6–8 weeks.
Use of funds
Loans to support organic growth plans and operational working capital requirements Acquisition and Shareholder Events
Event-driven financing for M&A, Buy & Build, MBOs, MBIs, and Shareholder Exits Refinance and Debt Consolidation
Harmonising multi lender borrowing into one longer term solution
Available to UK businesses
We work with businesses that typically have:
Earnings typically over £250k
At least 3 years of trading history
Strong operational cash flow
A proven management track record
How it works
Your Regional Director will work with the business and intermediaries to complete the application and guide you through our streamlined funding process.
Includes summary business model with historic and forecast financials. A credit-backed indicative term-sheet is issued typically within 5 days of application.
Once indicative terms are agreed, borrowers and advisors complete a collaborative questionnaire and meet with our credit team.
Once final terms are signed, our standardised legal documentation allows for completion and drawdown within 2 weeks.
SME Capital guided us through the lending process and importantly, really took the time to understand our clients' needs. The speed of response and ability to provide a flexible structure ensured we got the deal over the line.
- Steve Bell, Advisor at Castle Square
What makes us different?
We spend time understanding your aspirations and goals, ensuring the business loan fits your needs.
Our efficient, online application process enables us to provide you with a credit-backed decision, typically within 5 days.
We lend to all sectors and assess each business and loan application on their own merits.
We typically take debenture based fixed and floating charge security over the business and its assets, not requiring director PGs.
Our credit team leads the due diligence process, which saves time and additional expenses on third-party verification.
Our Regional Directors, based across the UK, will meet you locally and are available to guide you through the application process.
“We strongly believe in the importance of providing bespoke funding solutions to support mid-sized businesses and are providing cashflow funding for both growth and event driven transactions.”
- Kenny Hughes, Co-Head of Origination
News & Insights
Insights: February 2022
What is a Management Buyout (MBO)?
What is a Management Buyout (MBO)? Management Buyout (MBO) is a process in which a company’s key management team acquires all or part of the company they manage.
Insights: January 2022
The role of the advisor when borrowing
Buying or selling a business is one of the most important decisions. Learn about the role of an advisor when borrowing.
Insights: January 2022
Acquisition finance - 15 pitfalls to avoid
There are pitfalls for potential borrowers to avoid when it comes to putting in place the debt piece of the funding structure.
Looking for funding?
Whether you are an eligible business or an intermediary advisor, our Regional Directors are on hand to discuss your funding requirements and feasibility.