04 · What we finance
Asset-backed finance
Facilities sized to what a business owns or is owed: receivables, inventory, plant and fleet. The line moves with the assets.
Tenor 1 to 4 years
The facility
An asset-backed facility lends against what a business already owns or is owed. The eligible pool is defined, advance rates are set, and the line rises and falls with the assets, so the facility stays matched to the business through the cycle.
What it is for
- Receivables and contract finance
- Inventory and stock lines
- Plant, fleet and equipment
- Borrowing-base facilities
What stands behind it
- Assignment of receivables
- Charges over inventory and equipment
- Collection accounts
What we ask for
- Schedule of the eligible assets
- Receivables ageing or inventory listing
- Insurance over the assets
- Audited and management accounts
- Corporate documents and KYC
Also
The other five.
- 01Corporate lending
Term and revolving facilities for established companies: expansion, acquisitions, refinancing, and the balance-sheet moments between them.
Read - 02Private credit
Bilateral, confidential credit for situations a bank’s template does not fit: a timetable, an unusual asset, a sponsor’s structure, a need for discretion.
Read - 03Real estate finance
Development, investment and bridging capital for owners and developers, secured on the property and its income.
Read - 05Structured finance
Capital structures for transactions with several parties or several sources of repayment: vehicles, tranches, mezzanine.
Read - 06Trade and working capital
Finance that moves with the trading cycle: imports, distribution, confirmed orders and receivables.
Read