Facility size · £500k – £1m
Half a million typically means a structured package rather than a single product. The most efficient outcome is usually a layered one: receivables funding the working capital element, asset finance covering equipment, and a term tranche bridging the balance. Getting that split right can reduce the blended cost materially compared with taking one large unsecured loan.
Amortising over three to five years with financial covenants.
Scales with the ledger and is normally the lowest-cost tranche.
Matches repayment to the useful life of the equipment.
Long-dated, lowest cost where owner-occupied property is available.
Credit committee will focus on debt service cover through a downside case, not just the base plan. Being able to show what happens if revenue falls 15% is often the difference between an approval and a request for more equity.
Quality of financial information becomes a scoring factor in its own right. Audited or reviewed accounts, monthly management packs and a credible finance function all reduce the perceived risk and therefore the margin.
Four to ten weeks depending on security, valuations and legal work.
Senior secured debt typically prices at a margin over base in the low to mid single digits; unitranche and private credit price higher but can fund faster and with fewer conditions.
Not always. Where corporate security and cash generation are strong, guarantees may be limited, capped or replaced by covenants.
Yes — acquisition finance at £500,000 is common, usually blending senior debt with deferred consideration and, where needed, asset refinance.
For the life of the facility, tested quarterly or monthly. They should be negotiated at term-sheet stage, not accepted as drafted.
Tell us what the £500,000 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