FINANCE OPTIONS

Compare £300k ^Private ^Debt ^Finance Options for UK Businesses

Q: What is the typical borrowing range for private debt finance?

Borrowing amounts generally range from £100,000 up to £50,000,000, with the final amount based on your company’s creditworthiness, revenue, and collateral offered.

Q: How long does it take to get a decision and funds?

Initial lender decisions typically take 1 to 8 weeks, depending on documentation, due diligence, and negotiation. Once approved, funds are usually available within 2 to 10 weeks.

Q: What interest rates and fees can I expect?

Interest rates for private debt finance usually fall between 6% and 20%. Additional fees may include arrangement charges, due diligence costs, and sometimes exit fees.

Q: Are there different types of private debt finance available?

Yes. Key options include Direct Lending, Mezzanine Financing, and Unitranche Financing, each with distinct eligibility, typical loan sizes, terms, and structures.

300k Private Debt Finance refers to non-bank lending solutions provided by private lenders for UK businesses. It is designed for purposes such as expansion, acquisitions, or refinancing, offering greater flexibility than traditional bank loans. Many SMEs favour private debt finance as it can be tailored to different business needs and circumstances, supporting growth ambitions. With a streamlined process and varied lender options, it often delivers funds more rapidly, enabling businesses to capitalise on new opportunities efficiently and with confidence.

Private Debt Finance

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Key ^Benefits of Private Debt Finance

Private debt finance brings a range of advantages for SMEs seeking funding beyond traditional loans. The flexibility in structure and purpose makes it fit for varied business needs. Here are some specific benefits to consider when thinking about a £300k private debt finance facility.

Flexible Terms

Access to Growth Capital

Faster Decisions

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Private Debt Finance

Direct Lending

Direct lending is tailored for businesses with solid financials and a clear plan. Loan amounts generally range from £100,000 to £5,000,000, with terms of 12 to 60 months. Decision times are usually 1 to 4 weeks.

Direct Lending

Direct lending suits businesses aiming to grow, refinance, acquire, or purchase equipment. Lenders assess detailed financials and business plans, then perform due diligence. If approved, funds are provided swiftly. Particularly strong in sectors with predictable cash flow, such as manufacturing and tech, direct lending offers both speed and versatility for established SMEs.

Mezzanine Financing

Mezzanine financing targets established businesses with proven cash flow, often requiring some equity participation. You can typically borrow £500,000 to £10,000,000 over 36 to 84 months.

Mezzanine Financing

With mezzanine finance, lenders structure a blend of debt and equity, which can enable larger investments such as expansions or buyouts. This form involves complex negotiations and is best suited to companies with stable earnings and significant assets. The arrangement helps businesses leverage bigger opportunities while spreading the risk.

Unitranche Financing

Unitranche financing packages multiple debts into a single loan, ideal for mid-sized firms needing simplicity. Typical facilities range from £2 million to £50 million, over terms of 24 to 60 months.

Unitranche Financing

Unitranche facilities streamline multiple loans into one agreement, making repayments and management more straightforward. This suits companies aiming to consolidate debts or fund investments efficiently. It is particularly useful in industries with seasonal or cyclical revenues, as it enables easier cash flow management through a single, unified structure.

Typical Funding Journeys on Funding Agent

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How Funding Agent Helps You Secure Private Debt Finance

Use Our Comparison Tool

Easily compare private lenders, filtering by terms and features relevant to your business needs through our online application form.

Submit Application

Safely upload your business plan, financial statements, and relevant documents to begin your application securely with chosen lenders.

Receive Offers

Review multiple lender offers, select the one that aligns with your objectives, and move forward with final discussions and approval.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What is the typical borrowing range for private debt finance?

How long does it take to get a decision and funds?

What interest rates and fees can I expect?

Are there different types of private debt finance available?

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Compare £300k ^Private ^Debt ^Finance Options for UK Businesses

Key ^Benefits of Private Debt Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Private Debt Finance

Direct Lending

Direct Lending

Mezzanine Financing

Mezzanine Financing

Unitranche Financing

Unitranche Financing

Typical Funding Journeys on Funding Agent