Solutions

SME & Corporate Lending – Our Approach

We provide private credit solutions tailored to the needs of SMEs and corporates across all industries.

We typically support businesses that require:

  • Financing beyond traditional bank parameters
  • Certainty of execution for time-sensitive needs
  • Asset-backed or cash-flow based structures
  • Transitional or growth-related capital

Lending Solutions

Senior Secured Lending

  • Term loans to SMEs and corporates
  • Facilities secured against business assets or shares
  • Cash-flow supported lending

Asset-Backed Lending

  • Receivables and invoice financing
  • Inventory and equipment-backed loans
  • Property or other hard-asset secured facilities

Bridge & Special Situations

  • Short-term bridge financing
  • Refinancing or balance-sheet optimisation
  • Temporary liquidity support

Collateral & Security Management

Across all industries, we adopt a structured and practical approach to collateral and security management, tailored to the specific nature of each business and transaction.

Security is assessed at origination and monitored throughout the life of the facility, with a focus on appropriateness, enforceability, and ongoing visibility, while allowing businesses to operate efficiently.

Common Forms of Security

Depending on the business and industry, security may include:

  • Receivables and cash-flow assignments
  • Inventory and trade goods
  • Equipment, machinery, or vehicles
  • Property or other hard assets
  • Share pledges and guarantees

Security packages are designed around the underlying business rather than applied using standardised templates.

Ongoing Monitoring

We maintain ongoing visibility over collateral through agreed mechanisms, which may include:

  • Periodic reporting on receivables, inventory, or asset values
  • Cash-flow visibility or account monitoring arrangements
  • Information undertakings and covenants appropriate to the business
  • Site visits or third-party checks where relevant

Our objective is transparency and early engagement, without imposing unnecessary administrative burden.

Legal & Enforceability Considerations

All security arrangements are structured with careful attention to:

  • Applicable legal and regulatory requirements
  • Proper creation, perfection, and registration of security
  • Clear and proportionate enforcement pathways

We work with experienced legal advisors to ensure security structures are robust and aligned with each business’s operating environment.