Facility size · £250k – £500k
At a quarter of a million, funding stops being a product purchase and becomes a credit decision. A named underwriter will write a paper, test the forecast and form a view on the sector. Presentation carries real weight: the same business can be declined by one lender and approved comfortably by another purely on how the request is framed and evidenced.
Three to five years, secured by debenture, often with light covenants.
Usually the cheapest way to fund a growing sales ledger at this size.
Releases equity from owned plant, vehicles and machinery.
Where the requirement is property-linked.
Two or three of the above combined so each pound is funded at its natural cost.
Expect a covenant discussion: interest cover, leverage against EBITDA, and sometimes a minimum net worth test. Lenders will want a 12–18 month integrated forecast, not a spreadsheet of revenue assumptions.
Concentration is examined closely. If one customer accounts for a large share of revenue, the funder will look at contract length, termination rights and payment history before sizing the facility.
Two to six weeks; property-secured elements sit at the longer end.
Bank and challenger term debt typically prices in the mid to high single digits over base; private credit and specialist structures price higher in exchange for flexibility and speed.
Frequently, though often capped at a proportion of the facility rather than the whole amount. Where security over assets is strong, guarantees can sometimes be reduced or removed.
Yes. Receivables, stock and equipment can all carry a facility of this size in the right business.
Only those whose published and private criteria match your jurisdiction, sector and ticket size — usually a shortlist rather than a mass mailing.
Tell us what the £250,000 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