Growth Loans & Credit Lines
Flexible lending products that are tailored based on business size and cater to the needs of businesses looking to grow.
Growth Loans & Credit Lines in detail
Growth Loans and Credit Lines are flexible financing solutions designed to support businesses in their expansion efforts. They provide access to capital for a wide range of needs – from working capital to funding business expansion or strategic initiatives.
These options are particularly relevant for well-established companies (or even startups with a proven track record) that are seeking to fuel their growth without sacrificing equity.
Overview
- Flexible financing options: Growth Loans and Credit Lines offer tailored financing solutions that adapt to your business needs, providing the necessary capital to support expansion, operational improvements, or strategic projects.
- Quick access to funds: Streamlined application processes and revolving facilities which allow businesses to access pre-approved funds promptly, enabling firms to seize growth opportunities and respond to market demands without delay.
- Support for diverse business goals: Whether you are looking to invest in new technology, hire additional staff, or expand into new markets, these financing options can be utilised for a wide range of growth initiatives.
- Preserve equity: By utilising Growth Loans and Credit Lines, businesses can secure the funding they need while maintaining ownership control, allowing founders and stakeholders to retain more equity in their company.
Key features
- Customisable repayment terms: Growth Loans and Credit Lines often come with flexible repayment schedules, allowing you to align payment plans with cash flow cycles and financial capabilities.
- Enhanced financial stability: Accessing these financing options can improve your business’s liquidity, providing a safety net for unexpected expenses or economic fluctuations while supporting ongoing operations.
- Boosted credit profile: Successfully managing business loan facilities can enhance your business’s credit profile, improving your ability to access funding that you may need in the future.
- Strategic financial planning: These financing solutions enable you to plan and execute long-term growth strategies with confidence, ensuring that you have the necessary resources to achieve your objectives without compromising financial health.
Note that all debts need to be repaid, and any security is at risk if not repaid in line with the agreed terms
Key benefits
- Support for innovation: These financing options can be used to fund research and development initiatives, enabling you to innovate and stay competitive in your industry while managing cash flow effectively.
- Scalable funding solutions: Growth Loans and Credit Lines can be adjusted as your business expands, allowing access to additional funds as needed without undergoing a lengthy reapplication process.
- Interest rate flexibility: Many Growth Loans and Credit Lines offer competitive interest rates, which can be offered on a Fixed Rate or Variable Rate basis, providing options that can suit your financial strategy and market conditions.
- Minimal documentation requirements: The application process for Growth Loans and Credit Lines often requires less documentation compared to traditional loans, making it easier and quicker for businesses to secure funding.
Working Capital Solutions – Subscription-Based Credit Line (Recurring Revenue)
Our shorter-term financing solutions are designed to help businesses free up working capital. This financing provides essential working capital and additional liquidity for customer acquisition or any short-term financial needs. The size of the facility is determined by your monthly stable and ‘recurring’ revenues, which must be evidenced through monthly submissions to the bank as Lender. Structured as a revolving line of credit / revolving credit facility, this solution allows loan amounts to be repaid and then redrawn, offering greater flexibility and efficiency for your business.
Working Capital Solutions - Accounts Receivable Based Credit Line
Our shorter-term financing solutions are specifically designed to help businesses free up working capital, typically targeting larger Series B startups and beyond with revenues exceeding £5 million. This financing aims to leverage assets on the balance sheet to address cash flow needs as the business continues to grow. The size of the facility is linked to the value of your accounts receivable, which must be evidenced through monthly submissions to the bank as Lender, providing a scalable solution that evolves with your business.
Structured as a revolving line of credit / revolving credit facility, this option allows loan amounts to be repaid and then redrawn, freeing up cash for investments in other areas.