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 / BIMBOs)
- Dividend Recaps
- Working Capital
What makes us different?
Flexible lending parametersWe 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 agnosticWe do not have any preconceptions on sectors and will assess each business on its own merits.
Typically no personal guaranteesWe are comfortable with other forms of security, removing the burden of personal guarantees.
In-house due diligenceOur team leads the due diligence process and typically do not require third-party verification.
Local presenceOur regional directors are based across the UK, so meetings can be easily arranged to suit you.
How it works
Funding is as little as 6 weeks
Simple online loan application requesting high level deal information. An indicative term-sheet can be issued within 5 days of application.
Once indicative terms are agreed, borrowers and advisors complete an online questionnaire and meet with our credit team.
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
£300m of lending capital available to profitable and established UK SMEs
Average interest rate
We are here to help
Discuss your financing needs with one of our regional directors.