FINANCE OPTIONS

Compare ^Private ^Debt ^Finance from £250k for UK Businesses

Q: How much can my business borrow through 250k Private Debt Finance?

Borrowing amounts typically range from £100,000 to £15 million. The exact amount depends on your business turnover, profitability, cash flow stability and asset backing.

Q: What is the typical turnaround time for approval and receiving funds?

Expect initial lender decisions in 2 to 6 weeks, with funds usually available within 4 to 8 weeks. Timelines depend on the quality of your documentation and the complexity of due diligence.

Q: What are the typical interest rates and fees involved?

Interest rates for private debt finance generally range from 6% to 20% per annum. Additional costs may include arrangement fees, legal charges and early repayment penalties.

Q: Which types of private debt finance are available?

UK SMEs can access Direct Lending, Mezzanine Finance and Unitranche Loans. Each type offers different structures, terms and eligibility criteria to suit various business needs and risk profiles.

Private Debt Finance enables UK SMEs to secure funding from private lenders rather than traditional banks. These facilities can be structured to fit your business’s goals, whether for expansion, acquisitions or restructuring. By offering flexible terms and access to expert lenders, Private Debt Finance is a reliable option for businesses looking to grow or improve their capital structure without giving up equity. Common benefits include tailored funding and the ability to support significant business milestones.

Private Debt Finance

Secure up to £1,000,000 in Private Debt Finance with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Private Debt Finance

Private Debt Finance gives UK businesses access to significant funding, often between £100,000 and £15 million, with flexible loan terms and competitive rates. These facilities suit businesses seeking control, adaptability, and strategic lender partnerships. The typical decision timeframe ranges from two to six weeks, balancing speed with thorough due diligence.

No Equity Dilution

Flexible Terms

Access to Expertise

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Private Debt Finance Available

Direct Lending

Direct lending suits established UK businesses needing straightforward funding. Typical facilities range from £100,000 to £10 million, with decisions in 2-3 weeks. Terms span 12-60 months and rates start from 6% per year, varying by risk.

Direct Lending

Direct lending is ideal for companies with a solid trading history and strong financials seeking expansion, capital investment or working capital. The process involves submitting financial statements and undergoing credit assessment. Lenders negotiate tailored agreements, making this option especially beneficial for sectors like manufacturing and technology looking for scalable growth.

Mezzanine Finance

Mezzanine finance is designed for high-growth businesses requiring flexible funding of £250,000 to £5 million. Decisions typically take 3-6 weeks, with terms from 24 to 84 months and higher interest rates to reflect added risk and an equity component.

Mezzanine Finance

This finance bridges the gap between debt and equity, often used for acquisitions, buyouts or major scaling. The process includes rigorous due diligence and typically includes an equity kicker, allowing businesses to access capital while retaining ownership. Sectors like healthcare and retail find this especially useful during transformative stages.

Unitranche Loans

Unitranche loans offer mid-sized, profitable companies the simplicity of a single facility from £500,000 to £15 million. With decision times of 4-6 weeks, these loans reduce legal complexity and blend pricing, delivering terms up to 84 months.

Unitranche Loans

Unitranche facilities streamline the debt process by combining senior and subordinated debt into one agreement. This approach is valuable for refinancing, buyouts or growth, as it speeds up deal execution and reduces ancillary costs. Firms in finance, energy, and telecoms benefit from this cost-effective structure.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent Helps You Secure Private Debt Finance

Submit Application

Enter your business information and required financial documentation through Funding Agent’s secure online application form to initiate the lender matching process.