Finance designed to help businesses grow

Funding solutions of £0.5m - £5m for established SMEs


  Bespoke amortisation structures
  Fixed or floating interest rates
  Terms between 3 and 7 years

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.

Get in touch now to discuss funding options



Available to UK businesses
We work with businesses that typically have:

check-bullet  Earnings typically over £250k

check-bullet  At least 3 years of trading history

check-bullet  Strong operational cash flow

check-bullet  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. 

Icons-Together (2)

Includes summary business model with historic and forecast financials. A credit-backed indicative term-sheet is issued typically within 5 days of application. 

Due Diligence
Once indicative terms are agreed, borrowers and advisors complete a collaborative questionnaire and meet with our credit team. 

Final terms
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?

Flexible lending parameters

We spend time understanding your aspirations and goals, ensuring the business loan fits your needs.
No more "slow no"

Our efficient, online application process enables us to provide you with a credit-backed decision, typically within 5 days.
Sector agnostic

We lend to all sectors and assess each business and loan application on their own merits.
No Director personal guarantees

We typically take debenture based fixed and floating charge security over the business and its assets, not requiring director PGs.
In-house due diligence

Our credit team leads the due diligence process, which saves time and additional expenses on third-party verification.
Local presence

Our Regional Directors, based across the UK, will meet you locally and are available to guide you through the application process.
Kenny Hughes, Co-Head of Origination

“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.

Buy & Build - SME Capital

Factors to consider when planning a Buy and Build Strategy
We look at 3 core factors to consider when planning a Buy and Build Strategy.

PCA Law - SME Capital

SME Capital funds acquisition of Youd Andrews Ltd by PCA Law Ltd
SME Capital was delighted to have recently supported PCA Law Ltd with their acquisition of Youd Andrews Ltd.

Looking for funding?
Start today.

Whether you are an eligible business or an intermediary advisor, our Regional Directors are on hand to discuss your funding requirements and feasibility.