FW Capital Ltd, founded in 2010, is a regional fund manager delivering publicly backed debt, mezzanine, and property development finance to SMEs and developers in Northern England and Wales. Regulated by the Financial Conduct Authority (FRN 506719), it manages funds including those from the British Business Bank and local authorities. This lender mainly suits established small and medium-sized enterprises and experienced developers seeking growth capital or development finance where traditional banks may not lend. For more general information on debt financing and various business loan options, Funding Agent offers useful resources.
Key Features of FW Capital Ltd
FW Capital offers a hands-on regional service with a broad range of government-backed finance products. Its flexible approach accommodates varied business needs with local support and partnerships.
- Wide fund range including debt, mezzanine, equity-linked, and property finance – see debt financing.
- Lends up to £5 million, exceeding many regional lenders' limits – suitable for mid-market growth projects.
- No early repayment penalties on most loans, supporting flexible finance management – explained in loan application process.
- Local investment executives provide dedicated support – linked with business loans support services.
- Willing to underwrite loans without tangible security using mezzanine structures – relevant to interest rate and risk considerations.
Funding Eligibility
You may qualify for FW Capital funding if your business has established trading history, generally at least two years, or a compelling management growth plan. The business must operate in northern UK regions, with turnover criteria varying by product. Personal guarantees and security such as debentures may be needed. To assess readiness, you can visit guides on loan eligibility requirements and business loans eligibility.
Loan Options
FW Capital provides several loan products tailored for different business stages and needs. These vary by amount, term, security, and repayment options, often linked to regional economic development funds.
- NPIF – FW Capital Debt Finance: £100,000 to £750,000, 1 to 5 years, fixed market-based rates not publicly disclosed. Suitable for growth, acquisitions, or working capital with no early repayment fees. Further details at business loans.
- North East Growth Capital Fund: £350,000 to £2,000,000, 3 to 7 years mezzanine loans with flexible repayment, including interest-only periods; rates not published. Offers equity-style exit fees. See also debt financing.
- North East and North West Property Funds: Up to £2,000,000 for up to 2-3 years, interest between 8% and 12% per annum, catering to experienced developers with first-charge security. More about development finance.
- FW Capital Development Capital Loans: £500,000 to £5,000,000, 3 to 5 years, negotiated and fixed or variable rates. Targets established mid-market companies needing large-scale expansion capital. Related to term loans.
How to Apply
The application process typically begins with an online enquiry followed by submission of a detailed proposal pack. Decision times range from 10 to 15 working days for initial terms, with full approval taking 4 to 6 weeks due to thorough due diligence requirements.
- Start by completing the online enquiry form for initial contact.
- Prepare and provide detailed documentation including business accounts, forecasts, security details, and identification – see the loan application process guide.
- Expect review, due diligence, and negotiation of terms, concluding with signing legal documents before funds can be drawn – supported by insights on loan application process.
Funding Agent’s View on FW Capital Ltd
FW Capital Ltd occupies a specific niche providing publicly backed financing to northern UK SMEs and developers. Its offerings suit businesses seeking growth or development capital beyond bank limits, acknowledging that start-ups or firms outside geographical areas are unlikely to qualify. Interested businesses are advised to consult eligibility guides and use loan calculators to compare options before proceeding.
