01 · What we finance
Corporate lending
Term and revolving facilities for established companies: expansion, acquisitions, refinancing, and the balance-sheet moments between them.
Tenor 1 to 5 years
The facility
A corporate facility is sized to the business, not to a product sheet. We read the accounts, the order book and the plan, then write a term or revolving line whose covenants a management team can live with. Drawdowns, repayments and reporting are set out once, in the facility letter.
What it is for
- Expansion and capital expenditure
- Acquisitions and buy-outs
- Refinancing existing debt
- Shareholder events
What stands behind it
- Cash flows and audited accounts
- Fixed and floating charges
- Shares and guarantees
What we ask for
- Audited accounts, three years
- Management accounts, year to date
- Twelve-month cash-flow forecast
- Details of existing borrowings and security
- Corporate documents and KYC
Also
The other five.
- 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 - 04Asset-backed finance
Facilities sized to what a business owns or is owed: receivables, inventory, plant and fleet. The line moves with the assets.
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.
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