Capital that fits the way you actually trade.
Whether you sell agricultural machinery, run a delivery fleet, or manufacture clinical equipment, we structure finance around your real operating cycle, not a generic SME template.
Specialist operators, not generic SMEs.
Our customers are the businesses that mainstream lenders find difficult to underwrite - not because the credit is poor, but because the operating model is specialist. Seasonal stock cycles. Regulated equipment. Compliance-driven fleet investment. Dealer networks that depend on inventory finance to function. The common thread: tangible assets, real demand, and a need for a lender who understands the sector.
From the workshop floor to the fleet depot.
Capital structured around the way you actually trade. Not a generic SME template.
Five facility types. Each built around the asset.
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01 Inventory and floorplan finance Stock on the floor without tying up working capital.
Stock on the floor without tying up your working capital. Manufacturers paid on shipment. Dealers repay as units sell. The model used in automotive for decades, applied to sectors where it should already be standard.
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02 Pay-as-sold facilities Repay the facility as the asset is sold, not on a schedule that ignores your trading.
Our pay-as-sold facilities are built around the way inventory actually moves. You repay the facility as the asset is sold - not against an arbitrary monthly schedule that bears no relationship to your trading. The result is cashflow that breathes with your business, not against it.
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03 Equipment and asset finance Hire purchase, lease, and structured finance for the tools that drive your revenue.
Hire purchase, lease, and structured asset finance for the tools that drive your revenue. Aesthetic equipment, agricultural machinery, commercial vehicles, generation hardware - every facility is asset-backed, every asset is properly registered, and every facility is structured to match the useful life of the kit.
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04 Fleet transition finance Replace diesel with electric. Install charging. Meet the deadline without breaking cash.
Replace diesel with electric. Install the charging infrastructure. Meet the regulatory deadline without compromising your day-to-day cash position. Our facilities are sized against real operating cashflow - not optimistic projections that lenders later use as a stick.
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05 Multi-site and growth finance Acquire the second clinic. Open the third depot. Roll out the franchise.
Acquire the second clinic. Open the third depot. Roll out the franchise model. Where your growth is constrained by capital rather than commercial opportunity, we structure facilities that move at the pace of the business rather than the pace of the lender.
Closeness, transparency, and facilities that grow.
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We visit. We ask questions. We adjust as you change.
We work closely. Not at arms length.
Our team gets to know your business properly, and you get to know us. We visit. We ask questions. We understand the seasonality, the supplier terms, the customer base, the regulatory environment. That closeness is not a courtesy - it is what allows us to structure facilities that actually work, and adjust them when your business changes.
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One rate sheet. Priced to risk, not to opportunism.
Transparent pricing. Always.
One rate sheet. No hidden fees. No charges every time you pick up the phone with a question. The price you see at the start is the price you pay through the life of the facility. We will tell you exactly how it is built and exactly what changes it. If we cannot price something confidently, we tell you that too.
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Real-time visibility. Audit-ready by design.
Systems that match the relationship.
Behind every facility sits a fully integrated record system. Asset registers, payment schedules, account positions, and reporting are all visible to you in real time. No more waiting three days for a statement, or chasing your account manager for a balance. The infrastructure works as hard as the people.
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The second, third, and tenth facility get easier.
Facilities that grow with you.
The first deal is the start of the relationship, not the end of it. Our facilities are designed to be drawn, repaid, and recycled - meaning the next deal is faster, the structuring sharper, and the capacity grows with your trading. Our customers stay with us because the second, third, and tenth facility get easier, not harder.
Seven specialist sectors. If your business sits within one of them, we are likely the right conversation to start with.
Agriculture
Agricultural equipment dealer finance for the UK independent network: tractors, combines, implements, and groundcare machinery.
Read moreAesthetic Medical
Aesthetic clinic finance for CQC-compliant operators: clinic acquisition, fit-out, laser and equipment finance.
Read moreCycle & Motorcycle
Inventory and floorplan finance for UK motorcycle and cycle dealers, distributors, and brands entering the market.
Read moreLeisure
Marine, motorhome, and RV dealer inventory finance, plus equipment finance for commercial leisure operators.
Read moreUrban Last Mile
Electric fleet transition finance and EV charging infrastructure finance for last mile delivery operators.
Read moreTransport & Haulage
Asset finance for UK HGV and haulage operators, plus stocking finance for the manufacturers and dealers behind them.
Read moreRenewable Energy
Renewable energy asset finance: commercial solar, battery storage, EV charging infrastructure, and grid-connection equipment.
Read moreTell us about the facility you need.
Five short questions, then your details. About two minutes. We typically respond within an hour during UK working hours.
Step 1 of 6 Which sector are you in?