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Equity is the most expensive money you will ever raise. If your business has predictable cash flows or solid assets, strategic debt allows you to fuel hyper-growth while keeping control of your cap table.
Many SME founders default to raising equity because the debt landscape feels opaque and hostile. Walking into a high-street bank unprepared often results in a swift rejection or punitive terms.
We change the dynamic. We sit on your side of the table, bringing Big 4 rigour to your financial presentation. By running competitive processes across multiple lenders—from traditional banks to agile private credit funds—we force the market to bid for your debt.
More importantly, we negotiate the "small print". We ensure the financial covenants applied to your business give you the operational breathing room you need to actually execute your strategy.
Senior Debt
The cheapest form of capital, typically provided by clearing banks. It sits at the top of the capital structure but requires rigorous proof of serviceability and strict covenant adherence.
Private Credit & Direct Lending
Non-bank lenders who offer higher leverage multiples and more flexible, tailored structures in exchange for a slightly higher yield. Perfect for acquisitions and high-growth trajectories.
Covenant Structuring
The true battleground of debt advisory. We model your worst-case scenarios to negotiate covenants (like Leverage and Interest Cover ratios) that you won't accidentally breach if you hit a bump in the road.
Different transactions require entirely different pools of capital. We match your specific requirement with the correct lender profile.
Buying a competitor requires speed and certainty. We structure leveraged debt that utilizes the target company's future cash flows to fund the upfront purchase price.
Management teams rarely have the cash to buy the founder out outright. We design capital structures blending senior debt, vendor loans, and private equity to make the deal viable.
Whether you are expanding into a new territory or launching a new product line, we secure the runway you need. We source debt that matches your aggressive growth curve.
Is your current lender becoming difficult, or are you approaching the end of an expensive term? We run a competitive market sweep to replace your existing debt on superior terms.
If one co-founder wants to exit while the others want to stay, you can raise corporate debt against the business to buy out the departing shareholder cleanly and efficiently.
Unlock the trapped capital sitting in your debtor ledger, inventory, or plant machinery. We secure flexible revolving facilities that grow precisely as your business scales.
Raising debt is a sales process. You are selling your creditworthiness. We treat debt advisory with the same intensity and presentation quality as an M&A sell-side mandate.
We focus exclusively on SME corporate debt, typically arranging facilities ranging from £1 million up to £50 million. If your requirement falls slightly outside this bracket but you have strong earnings, please reach out as we can often still secure a solution.
No. We are entirely independent corporate finance advisers. We do not accept undisclosed kickbacks to push you towards a preferred bank. We scour the whole market to find the structure that provides your business with the most flexibility and the lowest cost of capital.
A full debt raise (from building the financial model to drawdown of funds) typically takes between 8 and 12 weeks. If you already have an investor-ready financial model and IM, we can often secure Term Sheets from lenders within 3 to 4 weeks.
Yes. Traditional clearing banks have rigid criteria and often reject viable deals because the proposition wasn't presented correctly. We have deep relationships with Private Credit and Direct Lending funds who look beyond standard bank matrixes and fund complex or high-growth scenarios.
Our structure typically involves a small, fixed retainer to build the necessary financial models and Information Memorandum, followed by a Success Fee payable only upon the successful drawdown of the debt. We align our success entirely with yours.