We offer bespoke debt solutions

SME Capital offers an affordable, long term debt solution to UK businesses looking for flexible and bespoke business loans. Whether for an acquisition, MBI/MBO or refinancing, businesses can fund their next step through a personal, collaborative approach with the support of our regional directors.

Speed of funding, transparent communication between all parties, and bespoke amortization structures are core elements to our product offering. By breaking down silos typically found in traditional credit organisations, we give you direct access to decision makers, enabling funding in as little as 6 weeks.

Typical Use of Proceeds

  • Mergers & Acquisitions
  • Buyouts (MBOs / MBIs)
  • Dividend Recaps
  • Refinancing
  • Working Capital
  • Growth Capital

What makes us different?

  • Flexible lending parameters

    We spend time to understand your ambitions ensuring we structure a loan that fits your needs.
  • No more "slow no"

    Our initial application process enables us to provide you with an informed decision within 5 days.
  • Sector agnostic

    We do not have any preconceptions on sectors and will assess each business on its own merits.
  • Typically no personal guarantees

    We are comfortable with other forms of security, removing the burden of personal guarantees.
  • In-house due diligence

    Our team leads the due diligence process and typically do not require third-party verification.
  • Local presence

    Our regional directors are based across the UK, so meetings can be easily arranged to suit you.

How it works

Funding in as little as 6 weeks

  1. Application

    Simple online loan application requesting high level deal information. An indicative term-sheet can be issued within 5 days of application.

  2. Due Diligence

    Once indicative terms are agreed, borrowers and advisors complete an online questionnaire and meet with our credit team.

  3. Final terms

    Once final terms are signed, our standardised legal documentation allows for completion within 2 weeks.

SME Capital guided us through the lending process and, importantly, really took the time to understand our client’s 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

Funding the backbone of the UK economy


Interest rates from 8% p.a.

We were impressed by the ability to structure the loan to our specific needs.

Richard Rhodes, Chief Financial Officer at Finitor Wealth, was able to kick-start the company's national presence after receiving funding from SME Capital for their cornerstone acquisition.

We are here to help

Discuss your financing needs with one of our regional directors.