SME Capital Reviews

SME Capital specializes in providing tailored financial solutions, supporting small businesses with flexible funding options and expert guidance for growth.

Here are the Trustpilot Reviews from SME Capital:

Here are the Reviews from SME Capital:

I want to express our great appreciation to SME Capital Group Pte Ltd for the excellent services provided. I really impressed the support that had been providing to our company. Especially to Eric Neo who was explaining patiently and help us to follow up constantly.

Richmond Ng

With the help and guidance from Kriz Tan and her company SME Capital Group PL, my business loan application was a breeze without having me to lift a fingers. All the paperwork was done very professionally from filling in the many application forms to submission and finally getting the loan approved and the funds disbursed. So glad to have Kriz Tan as my loan consultant who journey with me throughout the application process,

Pandiyan

When it comes to getting loan for my businesses, SME CAPITAL GROUP will be my first choice. Mr. Stanley Tan, being professional in this field has helped me secure loans from banks for my businesses faster than me applying. With his network, I can run my businesses smoothly without me personally looking into this matter. With his expertise, I have also introduced my business partners to him and they too, happy to receive the same help as I do.

Mel M. Ng

This is a letter to express my appreciation for their excellent service provided to my company business loan application. As a sole proprietor, it is a challenge in obtaining loan from Banks and Financial Institutions on our own effort. Mr Simon Yan from your esteem company approached me for Temporary Bridging loan application in November 2021, I've agreed with doubts if it will be possible as we received disbursement from OCBC bank only few months ago. I was impressed by the systematic approach to my application, having analysed our submitted supporting documents, we were advised to delay the application submission to banks by 2 months and build-up some weakness in our documentations to strengthen the success rate. When the application was submitted to bank officially, the approval and disbursement of loan amount was completed within one month (extremely fast). As I was typing this letter, SME Capital has again ensure our new loan application approved and fund disbursed in extremely fast manner (less than one month). The entire process was smooth, hassle- free and updates to my loan application was constantly informed to me. We look forward to grow our business together in future and wish SME Capital Holdings Pte Ltd achieve greater success in coming years.

Gregory Goh

I would like to commend Kriz on her exemplary work ethic and relentless drive. She has tirelessly helped my company in its search for a banking load in order to purchase its premises. She showed great initiative in sourcing all possible channels options.

Norbert Liew

I am writing to express my sincere appreciation to thank you for helping me apply for the Loans and Credit Cards successfully. In particular, I would like to thank Keson for following up with me consistently. His patience is commendable and he knows when to "remind" me to try the application again yet without pestering me (J) since 2020. Considering the number of times I said no to him or I forgot to reply him as I was in the middle of meetings, many would have given up following up, but not Keson. Once Keson was able to convince me to submit the application again, the entire process was fast and painless as the SME Capital Team execute the application process seamlessly. The Loan is a "lifeline" for many SMEs owners like me who is drastically affected by the Covid pandemic and the lengthy recovery period. I also like to thank Vincent for very actively assisting me personally along the entire application process. Thank you.

E.C.

Explore SME Capital's Finance Solutions:

Structured Business Term Loan

£500,000 - £5,000,000

Acquisition Funding

£0.5m - £5m

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Explore SME Capital's Finance Solutions:

Loan Type:

Structured Business Term Loan

Loan Range:

£500,000 - £5,000,000

Loan Terms:

3 years to 7 years

Minimum Turnover and Trading Age:

Typically £2m+ annual turnover and 3+ years trading history

Interest Rate:

8% - 15% fixed per annum (representative range)

Fees:

Arrangement fee 2%-3% of facility; legal and due-diligence costs payable by borrower; early repayment charge 5% year 1, 2% year 2, 0% thereafter (indicative)

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Acquisition Funding

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£0.5m - £5m

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More About SME Capital

SME Capital is a UK-based non-bank lender established in 2016. It specialises in structured cash-flow term loans for established small and mid-sized limited companies. Suitable for businesses with at least £2m turnover and three years of profitable trading, SME Capital offers fixed-rate loans up to £5 million. Its focus is on funding significant growth, management buy-outs, or acquisitions. For more information on lending types and cash flow finance, see our term loans and cash flow guides.

Key features of SME Capital

SME Capital provides a clear, fixed-rate loan product with flexibility in repayment and security requirements. Its offerings are regulated under limited-permission credit activities.

Large loan sizes up to £5m fit major growth and acquisition plans, details on term loans.
Fixed interest rates shield borrowers from fluctuations; see our interest rate explanation.
Flexible amortisation options include interest-only or bullet repayment, relating to amortisation concepts.
No mandatory personal guarantees on many loans, reducing director risk; learn more about personal guarantees.
Digital underwriting supported by regional relationship directors speeds decision making; see the application process.

Funding eligibility

You may qualify with SME Capital if your company has been trading profitably for at least three years and has annual turnover around £2 million or more. Eligible businesses must be UK-registered limited companies or LLPs with robust management and forecasting. SME Capital excludes start-ups and certain sectors. For more on how to qualify, consider our detailed business registration and financial documentation requirements.

Loan options

SME Capital offers a primary loan product—a structured business term loan—tailored to meet growth and acquisition needs for qualifying SMEs.

Structured Business Term Loan: amounts from £500,000 to £5,000,000; terms from 36 to 84 months; fixed interest rates typically between 8% and 15% per annum. See term loans for details. The loan allows capital repayment holidays or bullet repayments. Arrangement fees of 2%-3% apply alongside legal and due diligence costs. Early repayment charges reduce over time.
Note: SME Capital does not offer revolving credit, asset finance, or other loan types. For other alternative finance loans, refer to other providers.

How to apply

The application process is accessible online, with rapid indicative quotes and ongoing support from a dedicated team.

Submit an online enquiry via SME Capital’s online enquiry portal.
Provide comprehensive company financial documents including past three years' statutory accounts, management accounts, and forecasts; see our document checklist.
Expect indicative terms within 3 to 5 business days, with full credit approvals typically within one to two weeks. Funding can proceed 2-4 weeks after approval post due diligence.
Complete legal documentation and agreements, with flexibility offered in repayment scheduling; learn more on loan agreements.

Funding Agent’s view on SME Capital

SME Capital occupies a niche between traditional bank lending and private equity, focusing on sizeable fixed-rate term loans for established, profitable UK SMEs. The lender’s single product is suitable for businesses seeking growth or acquisition finance but requires substantial trading history and company security. Those with smaller loan needs or earlier-stage businesses may find alternative options more appropriate. Use our business loan calculator and eligibility checker to assess fit before applying.