FINANCE OPTIONS

Compare ^Private ^Debt ^Finance Options For £550k Needs

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

Private debt finance typically allows borrowing from £100,000 up to £50 million, depending on your business size, financial health, industry, and the lender’s risk appetite.

Q: How long does it take to secure private debt finance?

You can usually expect an initial decision within 3 to 10 weeks, with funds available within 4 to 10 weeks, depending on deal complexity and preparation.

Q: What affects the interest rates and fees for private debt finance?

Interest rates are typically between 5% and 20%, influenced by your business risk, lender competition, economic factors, and the deal’s structure. Additional fees may also apply.

Q: What documents are needed for a private debt finance application?

Lenders usually request your business financial statements, a business plan, strategic documents, and cash flow forecasts as part of the due diligence process.

550k Private Debt Finance provides UK businesses with access to specialist funding solutions from non-bank private lenders. This type of finance suits SMEs needing a significant capital injection without relying on traditional banks. Terms are typically negotiated directly with lenders, so arrangements are often more flexible and responsive to your business needs. Common benefits include the ability to access substantial funds, custom-fit repayment structures, and obtaining capital for growth, restructuring, or projects where traditional lending is not suitable.

Private Debt Finance

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Key ^Benefits of Private Debt Finance

Private debt finance is designed to support business growth and strategic objectives with accessible funding. Compared to standard banking, you benefit from tailored arrangements, competitive decision times, and interest rates reflecting your business profile. This flexibility and speed can be crucial for time-sensitive projects or expansion plans.

Flexible Terms

Access to Capital

Fast Funding

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Private Debt Finance

Mezzanine Finance

Mezzanine finance blends debt and equity features, ideal for growth or acquisitive SMEs with a strong track record and business plan seeking strategic capital.

Mezzanine Finance

Mezzanine finance is designed for SMEs positioned for expansion or acquisition activity. It typically covers amounts from £100,000 up to £5 million, with lending terms of 36 to 60 months and interest rates between 8% and 20%. The process involves detailed assessment, negotiation, and due diligence, making it suitable for businesses seeking structured finance to support ambitious goals in manufacturing, technology, or services.

Unitranche Debt

Unitranche debt provides a single, simplified loan structure for mid-sized businesses with stable revenues, aiding complex deal arrangements.

Unitranche Debt

Unitranche debt combines senior and subordinated loan features into one facility, typically ranging from £1 million to £50 million. Lending terms are 24 to 60 months, with interest rates from 6% to 12%, tailored to your risk profile. Used for deals like corporate restructuring or acquisitions, the streamlined process helps businesses in sectors such as healthcare, retail, or construction manage larger complex financings.

Direct Lending

Direct lending offers SMEs rapid access to finance, suiting those with positive projections who need up to £30 million for projects.

Direct Lending

Direct lending involves direct negotiation with private lenders, often completing deals for £500,000 to £30 million over 12 to 48 months. Rates typically range from 5% to 15% depending on the deal structure. Common uses include cash flow support, expansion, or capital expenditure. Sectors like logistics, hospitality, and energy benefit from devolved fund access with less reliance on traditional security.

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