Access the right capital solution at the right time

Let us help you achieve your strategic ambitions

We will help you source the capital you need quickly, helping your business access large institutional investors committed to supporting SME growth. Our collaborative platform standardises and simplifies the loan application, ensuring a streamlined transaction process, and allowing us to focus on the core principle of lending – building a long-term relationship through understanding your business and its needs.

Unlocking capital for SMEs

For many SMEs, banks can no longer be relied on for accessing capital. In fact, 50% of loan applications by first time borrowers are declined by banks. We are here to fill that gap.

Fast, streamlined lending

Our platform allows for a much faster process than that of a traditional lender. You will get an indication of interest after 48 hours, facilitating a drawdown in as little as 4 weeks from initial application.

The right amount for the right term

We are able to source larger amounts than most alternative lenders. Our loans are typically structured for up to 7 years, giving you the flexibility you need to grow your business.

Improved collaboration

Our proprietary technology and dedicated interfaces allow for continuous dialogue between all parties, ensuring better collaboration and a smooth path to completion.

Confidentiality ensured

When applying for a loan, rest assured that your confidential business information will be treated as such and will never be shared with more than a handful of institutional investors.

Transparent process

Our transparent lending process greatly improves coordination and communication, ensuring a high level of visibility at every stage between business advisors, lenders and lawyers.


Source the capital you need

Loans arranged from £1m–£20m for well-established and profitable SMEs. Our online platform allows for fast and flexible lending.

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Taking the pain out of SME borrowing

50% of first time SME loans are rejected by banks

We really get to know your business, allowing us to identify the most suitable capital partner

Typically long, uncertain and costly application process

Our simple and efficient process facilitates funding in as little as 4 weeks from initial application

Risk profiles of traditional lenders are restrictive and inflexible

We will consider your business on its own merits and will structure your loan accordingly

How to borrow

  1. Loan Application
    Submit a simple online loan application, summarising the proposed transaction. We will get back to you with an indication of interest after 48 hours.
  2. Credibility Assessment
    After this preliminary assessment and alignment on terms, you will be invited to complete our streamlined online due diligence questionnaire.
  3. Documentation
    Our intuitive platform will guide you through the transaction process before we provide you with final terms and initiate the loan documentation process. We will be available to answer any questions at all times.
  4. Completion
    Post drawdown of funds, a dedicated portfolio manager will provide ongoing support until loan maturity. You can apply for a new loan at any time.

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One platform. One application. One simple process.

Our collaborative online platform standardises, simplifies and streamlines the entire transaction process for all parties.

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SME Capital were very professional and flexible throughout the transaction process and I look forward to working with them to finance future acquisitions and take my business to the next level.

David Richmond Founder & CEO, Arrow Cars
Arrow Cars
Thibault Lancksweert

We can help a borrower raise non-bank financing, sometimes simply as a means of diversifying its sources of funding. A typical structure could be a working capital facility from their core relationship bank and additional long term strategic debt arranged by SME Capital.

Thibault Lancksweert CFO & COO, SME Capital