FINANCE OPTIONS

Compare ^Private ^Debt ^Finance Options For £850k And Above

Q: What types of private debt finance can I access?

Available options include direct lending, mezzanine financing, and unitranche loans, each with different eligibility requirements, loan sizes, and usage scenarios.

Q: How much can my business borrow through private debt finance?

You can usually borrow from £500,000 up to £50 million. The amount depends on your business’s creditworthiness, turnover, sector, and specific risk profile.

Q: How quickly can I access funds after applying?

Initial lending decisions are typically made within 2 to 4 weeks, with funds often released within 3 to 8 weeks, depending on the completeness of your application and the lender’s due diligence.

Q: Are there any regulations for private debt finance in the UK?

Yes, all private debt finance arrangements must comply with FCA regulations, ensuring that transparency and fair practice are maintained for UK businesses.

850k Private Debt Finance is a solution for UK businesses seeking to borrow significant sums without going through high street banks. Provided by institutional investors and private funds, this finance allows companies to access capital for working capital, expansion, or restructuring—without giving up equity. Typical benefits include bespoke deal structuring, potentially quicker access than traditional bank loans, and greater flexibility in repayment options. This makes it a valuable option for SMEs looking for alternative funding tailored to their circumstances.

Private Debt Finance

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Key ^Benefits of Private Debt Finance

Private debt finance stands out for businesses needing tailored, non-equity funding from private lenders. With borrowing amounts from £500,000 to £50 million, decision times of 2 to 4 weeks, and annual rates between 6% and 20%, this finance provides custom solutions for businesses with diverse requirements.

Customised Solutions

Faster Access

Flexible Terms

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Private Debt Finance

Direct Lending

Direct lending provides straightforward loans from private investors to businesses, typically from £500,000 up to £25 million, with terms between 12 and 60 months. SMEs with turnover above £1 million and at least two years of trading are eligible.

Direct Lending

This finance type suits businesses needing working capital, debt refinancing, or growth funding. The process involves submitting your financials and business plan for due diligence. Popular in sectors like manufacturing and technology, it appeals to stable businesses that value flexibility over standard bank loan conditions.

Mezzanine Financing

Mezzanine financing is aimed at established SMEs, offering loans from £1 million to £10 million with terms up to 84 months. It often includes an equity element and supports expansion, acquisitions, or buyouts.

Mezzanine Financing

Companies applying for mezzanine funding undergo an in-depth analysis of their finances, sometimes agreeing to equity participation for improved terms. This approach helps with large-scale projects in sectors such as real estate development or infrastructure, where extra flexibility and larger funding are essential.

Unitranche Loans

Unitranche loans combine senior and subordinated debt into one package, typically ranging from £2 million to £50 million over 36 to 84 months. They are suited for mid-market companies looking for a simplified, all-in-one loan structure.

Unitranche Loans

For companies seeking to streamline their capital structures, unitranche offers a single facility rather than multiple loans. Funding is based on leverage and cash flow, making it ideal for consolidations or management buyouts in sectors like consumer goods and industrial services.

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 To Access Private Debt Finance With Funding Agent

Submit Inquiry

Complete our online application form with the details of your business and your funding requirements so we can begin the matching process.

Consultation

Engage with a Funding Agent expert who will discuss your goals and outline which private debt finance options may suit your situation.

Receive Offers

Review personalised offers from our panel of lenders and select the funding that fits your needs and terms.

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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 types of private debt finance can I access?

How much can my business borrow through private debt finance?

How quickly can I access funds after applying?

Are there any regulations for private debt finance in the UK?

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Compare ^Private ^Debt ^Finance Options For £850k And Above

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 Loans

Unitranche Loans

Typical Funding Journeys on Funding Agent