Asset-based and cash flow lending

Enabling business growth

 

Pursue growth opportunities and fund your working capital, seasonality and investment with asset-based and cash flow lending. 

 

Business support

Access innovative blended revolving and term debt facilities of £5m - £50m, structured against your balance sheet and sustainable cash flows. Loans are ideally suited to fund growth, shareholder change, increase working capital and support seasonal trading. 

Create value

Debt can be offered as a standalone package or as part of a wider funding package. Without bullet loan repayments or cash sweeps, you can make investment decisions to create value for your business, and control when your wealth is realised.

Harness growth

Benefit from sourcing opportunities, re-invest excess cash or headroom (capex / acquisitions), and efficiently service term loans. Help maintain your cash flow – especially for seasonal industries and if you’re trading in fluctuating markets. 

Gary Edwards

Asset Based Lending

Our people are our difference. Give me a call today to find out what we can do for you.

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Requirements

Asset-based and cash flow lending is for UK headquartered businesses with a minimum of £2m in earnings before interest, tax, depreciation and amortisation (EBITDA) with balance sheet assets. We work with businesses from a broad range of sectors.

Our sectors include:

  • manufacturing
  • wholesale distribution
  • B2B services
  • engineering
  • food and drink
  • transport and logistics

Additional sectors:

  • recruitment
  • outsourcing
  • chemicals
  • printing
  • packaging
  • textiles.

Blended debt structures we offer

Revolvers

These are made of non-amortising, evergreen debt which is structured against receivables and inventory. You can fund acquisition finance with permanent drawings, or working capital with headroom.

Term debt

These are term loans for cash flow, structured against your sustainable free cash generation. It includes structured capex and acquisition lines.
‘Investec quickly understood our needs and provided a suitable financing structure for the business.’
David Culpan, Head of Debt Capital Markets at Sun
January 2017