About

Built by operators. Run as a lender.

Last Mile Capital was founded to do one thing properly: deploy capital into specialist sectors with the operational understanding the sectors actually require.

Why we exist

Specialist sectors deserve specialist lenders.

Most specialist asset lending is done by people who understand finance better than they understand the sector. The result is generic credit decisions, generic structures, and generic relationships. The customer who needs the most operational understanding gets the least.

Last Mile Capital was founded on the premise that this is fixable. Our team has built and run businesses in the sectors we now fund. We know how a dealer floor works, how a clinic schedules, how a haulier prices. We price the work, not the abstraction.

What we believe

Five principles. All non-negotiable.

  1. 01 Operational understanding is the foundation If we do not genuinely understand a sector, we do not lend into it.

    That is why we focus on seven. Sector knowledge informs every credit decision and every conversation we have with a customer or a funder.

  2. 02 Relationships compound The first deal is the start, not the destination.

    Our customers come back because the second deal is easier than the first, and the third easier still. Our facilities are designed to be drawn, repaid, and recycled into the next opportunity.

  3. 03 Transparency is non-negotiable Pricing, process, and performance, all visible, all the time.

    No surprises, no opaque fees, no decisions made behind a curtain. The structure of every facility we write is documented and shared with the people who need to see it.

  4. 04 Discipline enables flexibility Exact systems behind us let us move quickly in front.

    The reason we can be quick and pragmatic with our customers is that the systems and processes behind us are exact. Standardised credit files, integrated records, and reconciled asset registers free our people up to focus on the relationship rather than the paperwork.

  5. 05 Capital should fit the business Not the other way round.

    Every facility we write is structured around the way the customer actually trades - the seasonality, the supplier terms, the regulatory cycle - rather than forced into a generic SME template.

The team

The people behind the facilities.

Get in touch

Let’s talk about your business.

Whether you are a manufacturer needing dealer finance, an operator needing fleet capital, or a funder looking for serialised, asset-backed origination. We would like to hear from you.