Facility size · £10m – £100m

£10 million+ business and project funding

Above £10 million, funding is arranged rather than applied for. Transactions are structured against contracted cash flows, hard assets or an acquisition thesis, and typically involve several providers. The work is in building a package that satisfies each lender's credit policy simultaneously — and in running a process that keeps them competing.

What a facility this size is usually for

Structures that fit £10 million and above

Syndicated or club senior debt

Several banks sharing a common facility agreement and security.

Private credit and unitranche

Single-provider flexibility at scale, often with a super-senior RCF alongside.

Project finance

Limited recourse, sized on contracted revenues and completion support.

ECA-supported finance

Export credit agency cover extending tenors and lowering cost on capital goods.

How lenders underwrite at this level

Cash-flow certainty is everything. Contracted offtake, long-term leases or an established earnings base determine both quantum and tenor, and sponsors are expected to contribute meaningful equity.

Documentation is LMA-style and heavily negotiated. Intercreditor terms, security perfection across jurisdictions and hedging requirements typically drive the timetable.

What to prepare

Timeline

Three to six months from mandate to financial close.

Indicative pricing

Set by structure, tenor, jurisdiction and risk allocation. ECA-supported and project structures can be materially cheaper than corporate debt where they fit.

Questions

Do you work on transactions above £100m?

Our core range runs from £50,000 to £100m. Larger requirements are considered case by case where the structure is one we can genuinely add value to.

What equity contribution is expected?

In project and acquisition finance, commonly 20–40% depending on sector, contract quality and jurisdiction.

Are fees still success-based at this level?

Yes. There are no upfront fees; all charges fall due once funding is in place.

Tell us what the £10 million and above is for and where repayment comes from. We structure the request and approach the providers whose criteria fit. No upfront fees — all charges are due only once funding is in place.

Start a funding request