Compare ^{Private Debt Finance} For £200k Business Needs

Direct Lending suits businesses with established financial records looking to raise growth capital. After an initial application, lenders conduct due diligence before structuring an offer. Sectors like manufacturing and technology often benefit, with typical terms of 12 to 60 months and rates from 6% to 15%. Decision times usually range from 2 to 4 weeks, supporting expansion or refinancing needs efficiently.

This type requires a strong business track record, often with collateral or willingness for some equity participation. Mezzanine Finance is suitable for management buyouts, business acquisitions, and recapitalisations, offering funding from £200,000 to £10 million. Expect terms of 36 to 84 months, rates between 8% and 20%, and decisions in 4 to 6 weeks. The structure helps bridge funding gaps for transformative projects.

Mid-sized firms with ambitious growth plans may opt for Unitranche Financing, benefiting from a streamlined process. Borrowing starts from £500,000 with terms from 24 to 72 months and rates between 7% and 15%. The process involves a comprehensive business review, usually followed by prompt decision times of 3 to 6 weeks, supporting larger transactions and complex funding needs within healthcare, logistics, or tech sectors.