Growth and Working Capital

Supporting strategic growth

Astute management teams are taking advantage of opportunities to grow market share and enhance sales and profitability. Whether investment in research and development (R&D), new product development or securing new income streams for the business, additional funding is likely to be required which cannot be met by operating cash flow alone.

SME Capital offers a flexible approach to funding the organic growth of businesses through a bespoke, cash flow-based loan solution from £0.5m to £5m. As a leading non-bank lender, we offer term loans (3 to 7 years) that are not dependent on specific balance sheet assets. In addition, the interest rates for our debt solutions are competitive and we are able to provide repayment structures to accommodate the needs of the business.

Growth capital can be used for any legitimate business need: from funding the development of a new product, launching into an adjacent market, recruiting staff, responding to new contracts or moving to new premises to name a few.

Through a similar approach, we are able to provide working capital where and when it’s needed. Working capital is often consumed with the tactical needs of building stock levels, supporting new, large contracts, hiring staff or consolidating existing facilities.

How we do it

We want to know about your profitable story so far, your management team and how you plan to achieve the strategic objectives in your business plan. One of our Regional Directors will work with the business and intermediaries to complete the application and guide you through our streamlined funding process.