Capital without
compromise.

A lump sum repaid over an agreed term, priced against trading performance rather than a single lender's appetite. Used for growth capital, equipment, recruitment or any investment where the return is spread over years and the cost of capital needs to be fixed and predictable.

Long-term lending secured against premises you trade from or let out. Suited to buying your own building instead of renting, releasing equity from a property already owned, or refinancing an existing mortgage onto a term, rate and covenant that reflects the business today.

Funding advanced against future card takings and repaid as a percentage of each day's sales. Repayments flex with trade, so quiet weeks cost less. Typically used by retail, hospitality and consumer-facing businesses for refurbishment, seasonal stock or smoothing an uneven month.

A revolving facility you draw on when you need it and repay when cash returns, with interest charged only on what is drawn. It exists for the gaps — payroll before a large receipt lands, supplier terms, contract mobilisation — rather than for a single fixed purchase.

Replacing borrowing that no longer fits with a structure matched to current performance. That can mean a lower rate, a longer term to ease monthly cost, relief from a restrictive covenant, or releasing security tied up against an old facility that has since been largely repaid.

Bringing several facilities — loans, advances, cards, asset finance — into one considered agreement. The aim is a single payment date, clearer visibility of true cost, and in most cases a lower monthly outflow, so management time returns to trading rather than servicing.

Funding to buy a business, a competitor or the shares of an outgoing shareholder. Structured around the target's earnings as well as your own, and used for management buy-outs and buy-ins, bolt-on acquisitions and succession where a founder is stepping away.

Coordination of the funding and the paperwork when a leasehold trading business changes hands. We work alongside landlords, solicitors and lenders on the assignment, any premium payable and the fit-out capital required, so the transfer and the money complete together.