--- title: Business Funding description: SME Capital offers bespoke, long term debt solutions to UK SMEs. --- # Finance designed to help businesses grow Funding solutions of £0.5m - £5m for established SMEs   ![](https://www.smecapital.com/hubfs/2A5pddew.png)   Looking for funding ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/key-bespoke.svg)  Bespoke amortisation structures ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/key-rate.svg)  Fixed or floating interest rates ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/key-time.svg)  Terms between 3 and 7 years ### Check Your Eligibility ## How we can help SME Capital offers bespoke, long term funding solutions to UK businesses. Whether for growth, M&A, succession planning or refinancing, businesses can fund their plans without giving away control or equity. We understand the importance of trusted relationships and have dedicated regional directors based across the UK. We enhance our traditional underwriting with the latest in data analytics, including timely risk and trend analysis, to create bespoke funding structures. 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 [Growth and Working Capital ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) Loans to support organic growth plans and operational working capital requirements](https://www.smecapital.com/business-funding/growth-working-capital) [Acquisition and Shareholder Events ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) Event-driven financing for M&A, Buy & Build, MBOs, MBIs, and Shareholder Exits](https://www.smecapital.com/business-funding/acquisitions-shareholder-events) [Refinance and Debt Consolidation ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) Harmonising multi lender borrowing into one longer term solution](https://www.smecapital.com/business-funding/refinance-debt-consolidation) ![news-divider](https://www.smecapital.com/hs-fs/hubfs/SME%20Capital%20Images/New%20Images/Odds/news-divider.gif?width=1200&height=1&name=news-divider.gif "news-divider") Available to UK businesses We work with businesses that typically have: ![check-bullet](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/check-bullet.svg)  Earnings typically over £250k ![check-bullet](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/check-bullet.svg)  At least 3 years of trading history ![check-bullet](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/check-bullet.svg)  Strong operational cash flow ![check-bullet](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/check-bullet.svg)  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)](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Business%20Funding/Icons-Together%20(2).svg) Application 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 ![quote-closed](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/quote-closed.svg) What makes us different? Flexible lending parameters ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) We spend time understanding your aspirations and goals, ensuring the business loan fits your needs. No more "slow no" ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) Our efficient, online application process enables us to provide you with a credit-backed decision, typically within 5 days. Sector agnostic ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) We lend to all sectors and assess each business and loan application on their own merits. No Director personal guarantees ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) We typically take debenture based fixed and floating charge security over the business and its assets, not requiring director PGs. In-house due diligence ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) Our credit team leads the due diligence process, which saves time and additional expenses on third-party verification. Local presence ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/blue-mini-divider.gif) 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](https://www.smecapital.com/hubfs/quote-kh.jpg "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 ![quote-closed](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/quote-closed.svg) ![news-divider](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/news-divider.gif "news-divider") News & Insights Insights: February 2022 [What is a Management Buyout (MBO)?](https://insights.smecapital.com/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](https://www.smecapital.com/hs-fs/hubfs/smecapital-blog-title-sm%20-2.png?width=680&height=399&name=smecapital-blog-title-sm%20-2.png) Insights:  **[Factors to consider when planning a Buy and Build Strategy](https://insights.smecapital.com/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](https://www.smecapital.com/hs-fs/hubfs/smecapital-blog-title-sm-Aug-01-2022-08-58-18-30-AM.png?width=680&height=399&name=smecapital-blog-title-sm-Aug-01-2022-08-58-18-30-AM.png) Insights:  **[SME Capital funds acquisition of Youd Andrews Ltd by PCA Law Ltd](https://insights.smecapital.com/pca-law-ltd-acquisition-of-youd-andrews-ltd)** SME Capital was delighted to have recently supported [PCA Law Ltd](https://www.pcalaw.com/) with their acquisition of [Youd Andrews Ltd](https://youd-andrews.com/). 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. [![](https://www.smecapital.com/hubfs/2A5pddew.png) Get Started ](https://www.smecapital.com/looking-for-funding)