Your bank has declined you
A refusal often reflects how the application was presented, not the underlying strength of the business.
How we fix itWe rebuild the case with accurate management accounts and a forecast, then approach the right lenders.
Fundraising & Capital Strategy
Business loans, invoice finance and debt funding
When the bank says no, there is usually another route. We find it, package it and negotiate it.
One working dayTypical reply time to every enquiry
Fixed feesAgreed in writing before work begins
FCCA-ledSenior, qualified oversight on every engagement
ConfidentialStrict confidentiality, NDA on request
Sound familiar?
The problems we are usually asked to solve
Debt is often cheaper than equity and keeps ownership intact, but only if it fits the business. Term loans, invoice finance, asset finance and government-backed schemes each suit different needs. Choosing and negotiating well is the difference between funding that supports growth and funding that strangles it.
Cash is trapped in unpaid invoices
You are profitable but waiting 60 to 90 days to be paid, and growth is stalling.
How we fix itWe assess invoice finance and trade finance options and negotiate the facility and its charges.
Personal guarantees are on the table
Lenders ask directors to guarantee borrowing personally, and the exposure keeps you awake.
How we fix itWe negotiate guarantee terms, caps and releases and consider guaranteed-scheme alternatives.
Existing debt is too expensive
Short-term finance, merchant advances or overdrafts are costing far more than they should.
How we fix itWe review your borrowing and refinance into cheaper, better-matched facilities.
What you get
- Funding needs analysisWorking out how much debt the business can support and which type fits.
- Lender-ready application packManagement accounts, forecasts, covenant analysis and a clear funding narrative.
- Government-backed lendingPreparation for lenders under schemes such as the Growth Guarantee Scheme.
- Invoice, asset and trade financeSelecting and structuring facilities against receivables, equipment and stock.
- Negotiation of termsPricing, security, covenants and personal guarantee terms.
- RefinancingReplacing expensive or poorly matched debt with better structures.
Best suited toProfitable and growing companies seeking working capital, acquisition funding, equipment finance or a better-structured debt position.
The outcomeThe right facility, at a fair price, with terms you can live with.
How it works
- StrategyWe establish what you need, the right instrument and the milestones the money must reach.
- PrepareWe build the model, financial narrative, data room and compliance work.
- ProcessWe support meetings, due diligence and negotiation, with authorised partners where regulated.
- CloseWe help with terms, completion mechanics and the reporting that follows.
Questions we are often asked
Do you arrange the loan?
We prepare and present the case and negotiate on your behalf. Where a regulated activity is involved we work with appropriately authorised lenders or brokers.
What is the Growth Guarantee Scheme?
It is a UK government-backed scheme under which participating lenders can offer loans to smaller businesses with a partial guarantee, which can help where security is limited.
Will my credit history stop me getting funding?
It affects the options but rarely rules them all out. We assess where you stand and target lenders whose criteria fit your profile.
Tell us what is on your mind. We will tell you honestly how we can help.
Send a short note. A senior member of the team replies by email, normally within one working day, and every first conversation is confidential.