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Compare Private Debt Finance For £350k UK Business Needs

350k Private Debt Finance enables UK businesses to access £350,000 in funding through private, non-bank lenders. This type of finance provides tailored loan solutions outside the traditional banking sector, helping SMEs source funds for growth, acquisitions, or restructuring. Private debt finance offers structured lending that can be customised to your business’s requirements, making it appealing for those seeking flexibility and control. With faster processes and adaptable repayment terms, it presents a practical alternative for businesses looking for capital without the extensive procedures often found with high street banks.

Private Debt Finance

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

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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Key Benefits Of Private Debt Finance

Private debt finance stands out for its flexibility, with bespoke structures that can match your organisation’s goals. Benefit from faster access compared to bank loans, competitive rates from 5% to 20% per annum, and decision timescales that typically range from 1 to 4 months. This route provides effective capital while enabling you to preserve your company’s equity.

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Flexible Structures
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Quick Access To Capital
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Preserved Equity

SCALE YOUR BUSINESS TO NEW HEIGHTS

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Types Of Private Debt Finance

Senior Debt

Senior debt suits established UK SMEs needing £100,000 to £5 million for expansion, acquisitions, or restructuring. Approval is based on solid business plans and predictable cash flow, with terms from 12 to 60 months, and interest rates typically between 5% and 15% per annum.

Senior Debt

Senior debt involves structured loans offered to companies with a reliable turnover (at least £1 million) and a robust business plan. The process usually starts with a consultation, followed by financial reviews, credit assessments, and legal checks. Senior debt is favoured in sectors like manufacturing and retail, providing flexible funding for businesses aiming for stability and controlled growth.

Mezzanine Debt

Mezzanine debt helps growing companies seeking £500,000 to £10 million. It’s suitable for those with strong cash flow, with terms of 24 to 84 months and interest rates from 10% to 20% per annum.

Mezzanine Debt

Mezzanine debt offers a hybrid solution between debt and equity, ideal for businesses planning leveraged buyouts, growth initiatives, or ownership transitions. The process covers detailed financial due diligence, negotiation of subordinate terms, and potential equity participation. Sectors like healthcare and infrastructure benefit from this route, as it supplies growth capital without extensive equity dilution.

Unitranche Financing

Unitranche financing provides £2 million to £20 million in a single facility, combining senior and junior debt. It’s ideal for medium-sized firms seeking simplified, efficient funding for acquisitions or restructuring, with terms from 36 to 84 months.

Unitranche Financing

Unitranche financing is designed to merge multiple debt types into one streamlined product, supporting complex deals such as mergers, acquisitions, or business services expansion. The process is often more efficient, as it removes the need for separate negotiations. Sectors like logistics and consumer goods value the simplicity and time savings this approach delivers.

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

Securing 350k Private Debt Finance With Funding Agent

Submit Application

Complete our quick online application form, outlining your business profile and borrowing needs, so we can start assessing your options.

Review Options

We match you with vetted private lenders and present tailored funding offers for you to consider and discuss.

Receive Funds

When you choose a lender, we guide you through finalising the terms, ensuring smooth transfer of funds to your business.

Compare Private Debt Finance Options

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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.
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Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

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