Over the last decade, borrowing sources have vastly moved away from the traditional high street lenders to include debt funds, uni-tranche providers and peer-to-peer lending.
Our team of cash flow lending specialists has close relationships with all these types of lenders, so we are well positioned to offer you a range of borrowing options to meet your funding needs. For businesses that are well established and enjoy strong cash flow generation, a cash flow loan may be the best option for you.
Cash flow lending is a type of financing where loans are based on your projected cash flows/earnings. It is a structural fixed-term debt, as opposed to a revolving working capital facility, which is often used to act as:
- a replacement of more expensive equity funding;
- finance for growth capital;
- support for an acquisition;
- or funding to enable shareholders to realise some value from their business.
For a profitable business, a cash flow loan can represent one of the most flexible and cost-effective sources of finance. Our team will work with you to secure loan terms that are best suited for your business and deliverable from the lender.
Cash flow lending is structured by lenders almost completely on the risk profiling of the borrower. Therefore, as banks perceive more risk, the cost of borrowing will inevitably rise. Our cash flow lending specialists work closely with many lenders and can help you navigate through this highly complex area. We will identify the most appropriate lenders and then present your business to them, whilst also understanding their credit committee's perception of risk.
Regardless of the situation you find your business in, you can rest assured that our team will be on hand to advise you every step of the way on the options available to you. We will help guide you to find the most effective loan that is structured appropriately for your business, enabling you to progress with your business plan and realise your corporate ambitions.
