Debt Finance
Unlock capital while retaining precious equity through strategic debt financing solutions
Is Debt Finance Right for the Business?
If you're seeking additional funding, debt finance is always worth considering, but only if you can clearly demonstrate your ability to service the debt.
Why Consider Debt Over Equity?
If you can access it, debt is almost always far cheaper than equity, even at current rates and a typical overall margin of around 10%.
Importantly, you raise capital while retaining precious equity.
Key Advantage
Debt financing allows you to maintain full ownership and control while accessing the capital you need to grow.
Could Expert Support Save Time and Improve My Chances?
Yes, we are known and trusted by leading debt finance providers because we work with them day in and day out, know their lending criteria, and exactly what they need to see.
Financial Modeling
We build and stress-test your financial model so it satisfies lender requirements. Thereby quickening the decision process.
Quick Assessment
We know quickly if debt isn't right for your business, and we'll tell you quickly to save time on both sides.
Targeted Approach
We only share your proposal with lenders who have the means and appetite to work with you.
Process Management
We assess, explain and process all additional requirements.
Best Terms
Our market knowledge enables us to secure the best terms.
Ongoing Support
We provide continuous guidance throughout the entire debt process and beyond to ensure your success.
What Types of Debt Finance Are Available?
Invoice Discounting
Freeing Up Cash From Receivables
Invoice discounting offers a very effective way to leverage your receivables balance. Upon issue of an invoice, you receive a percentage of the value, so you get the money quickly.
We have longstanding relationships with many of the most active Invoice Discount funders, and steer clients through what can be a complicated and time consuming on-boarding process.
Key Features
- Rate: Usually 2–2.25% points over base
- Payment: Interest is only paid on drawn amounts
- Assessment: Lenders assess client credit quality, contract length, and revenue concentration (more than 20% revenue from one client can be problematic)
Term Debt
Funding for Growth, Acquisitions or Expansion
Used for major one-off investments rather than for ongoing working capital.
Important: If you require both term debt and invoice discounting, we recommend securing both from the same lender. This reduces cost, complexity, and risk of rejection because without the Invoice Discounting facility as well, the Term Debt provider is unlikely to have sufficient financial collateral.
Key Features
- Terms: Typically 3–5 year loan terms
- Requirements: Demands robust, stress-tested forecasts backed by consistent past performance
- Repayment: Must show clear repayment ability from cash flows
Is Debt Part of Your Funding Journey?
Helping our clients secure debt is what we do every day of the week. We have strong relationships with specialist debt providers and would love to have a conversation to determine if debt finance can be part of your journey.