SME/ Business Loan

Regulated bank debt remains the cheapest capital on the table — provided the business is packaged to survive credit committee. We position the borrower, run the lender process, and hold the pricing.

Bilateral & Syndicated Term Loans

Single-lender bilateral facilities for focused requirements, and syndicated structures where the ticket outgrows one bank's appetite. We arrange the club, agree the intercreditor position, and manage the agent bank relationship.

CapexRefinancingAcquisition debt

Working Capital Facilities

Overdrafts, revolving credit and short-term lines sized against the actual cash conversion cycle rather than a round number — so the limit covers the trough without paying for headroom that never gets drawn.

OverdraftRevolving creditShort-term lines

Credit Criteria

Every bank tests the same three things before anything else. We stress the numbers against those tests first, so weaknesses are addressed in the pack rather than discovered by the credit committee.

What lenders actually test

Audited financial statements — typically two to three years, prepared by a recognised firm, with clean notes and no going-concern qualification.
Debt service coverage ratio (DSCR) — earnings measured against total debt service, held comfortably above the covenant floor rather than scraping it.
Leverage limits — net debt to EBITDA within the lender's sector ceiling, with headroom for the new facility on day one.