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SKY Financial Solutions/NBFI Lending

Section D

NBFI Lending

Non-bank financial institutions occupy the middle ground — more flexible than a bank, materially cheaper than a credit fund. For most growing SMEs this is where the deal actually gets done.

Structured Revenue & Cash Flow Finance

Facilities underwritten against contracted or recurring revenue rather than fixed assets — repayment tracks the collection profile, so servicing flexes with trading instead of fighting it.

Recurring revenueContracted incomeCash-flow lending

SME Finance Packages

Pre-structured limits built for smaller balance sheets, with documentation requirements proportionate to the ticket — not a scaled-down version of a corporate credit file.

Growth capitalEquipmentExpansion

Regulatory Agility

Operating outside the full banking capital framework, NBFIs can take a commercial view on structure, security and covenants — and turn a credit decision around in a fraction of the time.

Commercial underwritingShorter credit cycle