Take your client's business to the next level

Growth and acquisition funding of
£0.5m to £15m for established SMEs

  Bespoke amortisation structures
  Fixed or floating interest rates
  Terms between 3 and 7 years

Capital catered to your client’s growth ambitions

SME Capital is a lender providing bespoke funding solutions of £0.5m to £15m to established lower-medium-sized UK businesses. We are flexible and relationship-driven, using smart, analytical technology to enhance our credit process. Our loans are designed to help UK businesses grow, without giving away control or requiring Personal Guarantees.

We provide bespoke long-term, growth capital and acquisition finance solutions to established businesses that are going through significant strategic milestones or events, no matter what industry your clients operate in, without them giving up equity or providing collateral.

Available to UK businesses that typically have:

check-bullet Earnings over £250k

check-bullet At least 3 years of trading history

check-bullet 10 or more employees

check-bullet A proven management track record

check-bullet Strong operational cash flow

Why SME Capital?

Built by entrepreneurs for entrepreneurs, we're passionate about SME growth and understand the challenges and difficulties SMEs face when trying to find the right funding options. After all, no two businesses are the same and neither are growth plans. 

We know what makes a successful relationship between investor and borrower possible and understand the importance of trusted relationships. Our dedicated regional directors based across the UK work collaboratively with our introducing partners by breaking down silos typically found in traditional lending organisations, we give you direct access to experts and decision-makers, enabling funding in 6–8 weeks.

We have significant capital at hand which we can deploy when investing into medium-sized businesses that have experienced profitable growth over recent years with strong management teams, looking out for your client's best interests locally.

SME Capital 
A Patron lender of the 

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Our partners

At SME Capital, we support owner-managed and local business in taking the next step in their evolution, whether that be growth, acquisition or succession. We're very pleased to work with high quality investors, like SCIO and Prytania, who share our conviction that SMEs are core to the post-pandemic recovery, innovation and establishment of strong local and national economy.  We're also incredibly proud to be a Patron Lender of the National Association of Commercial Finance Brokers.