Investing in Growth Opportunities
With debt capital in place, businesses can invest in growth initiatives such as expanding product lines, entering new markets, or acquiring competitors. In such cases, taking on debt can provide the necessary funds to fuel these strategic endeavours without diluting ownership or sacrificing control.
By leveraging debt to seize growth opportunities, a business can accelerate their expansion efforts and strengthen their competitive position in the market.
In particular, opportunities to generate significant value through strategic investments or acquisitions can be funded by business loan finance.
Managing seasonal or cyclical Cash Flow can be served by debt, providing a valuable safety net source managing cash flow fluctuations by providing access to liquidity during lean periods.
Access to Debt Funding
Accessing the right type of funding, at the right time, that’s right for an individual business – has become significantly challenging more as banks retrench bank loans for SMEs.
Government support programmes for SMEs and sector specific funds from VC’s have lessened of late, resulting in businesses looking at the more traditional routes of applying with their bank for debt capital business loans or taking on outside investment in exchange for equity.
But with banks rejecting SME business loans and business owners reluctant to give up shares, alternative debt lenders are now primed to help SMEs access capital outside of traditional lending institutions.
SME Capital Debt Financing helps SMEs with specialised long-term financial alternatives that allow them to invest and scale their business without worrying about their cash flow.
We provide specialised, long-term financial alternatives rather than a general loan that applies to all businesses in the UK.
At SME Capital we do not ask for personal guarantees or collateral.
We are experts in this field, and our priority is to become your long-term funding partner and develop trusted relationships. We are here because we firmly believe that our specifically designed finance solutions for UK companies, which will aid in your growth and success, represent a better option.
As experts in SME lending, every customised loan we make for you will be designed especially with the goal of becoming your long-term finance partner.
Whether you need financing for a refinance, succession planning, M&A, or growth and expansion, we give you the opportunity to thrive without asking you to give up control, equity, or personal assets.
SME Capital uses a cash flow-based approach to lending, offering a multiple of business profitability, specifically EBITDA, as opposed to a loan amount being directly tied to the value of specific assets. We can provide an economic solution to consolidate smaller lenders, or refinance expensive short-term loans, while providing additional working capital for the business.
With repayment terms from 3 to 7 years and flexibility on repayment structures SME Capital is an effective, relationship-led, refinance solution for qualifying businesses in any sector that have been trading more than 3 years with £250,000+ EBITDA.
About SME Capital
SME Capital was founded to support the growing number of SMEs who face difficulty or frustration in accessing capital through traditional methods. We understand the importance of real and trusted relationships in the SME lending market and have dedicated Regional Directors based across the UK.
By combining traditional lending expertise with the latest in data analytics, we are supporting established UK SMEs with their long-term objectives and business ambitions.
