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Solutions

Unleash the power of your business assets to fund your growth

We provide the liquidity you need at every stage of your business, including growth and expansion, management buy outs/buy ins, mergers and acquisitions, turnarounds, restructuring, exits and major investments

Our highly experienced ABL team can generate a higher level of funding for your business by unlocking the maximum value tied up in your combined business assers, including: Debtors, Inventory, Plant & Machinery and Property. We can also structure a top up Cash Flow Loan to support Mergers and Acquisitions activity.

Benefits

Benefits of Asset-Based Lending

Asset Based Lending is a versatile finance solution for event-driven opportunities, such as expansion, funding an acquisition or management buy-out, or providing finance for restructuring and exits.

Maximises availability and certainty of funding

Minimises execution risks

Ideal for growth, acquisitions and MBOs

Meets the demands of your timeframes

Cash flow loan creates additional headroom

Asset-Based Lending Products

Invoice Discounting

UK businesses are increasingly turning to their assets to release working capital for growth. Discounting is at the heart of every Asset-Based Lending facility we deliver.

Not only does Invoice Discounting provide a substantial initial cash injection, it is a revolving funding line that will sustain your growth trajectory.

Our focus is always to maximise the availability and certainty of your funding, so we often supplement Invoice Discounting with funding against additional assets as an integral part of a full ABL package. Advances of up to 90% of the Sales Ledger are available.

Up to

90%

Of Sales Ledger

Advances of up to 90% of the Sales Ledger are available.


Inventory

With IGF, you can also use your Inventory (Stock) as security as part of a wider Assed-Based Lending package.

In the case of Inventory, we will advance up to 85% of the Eligible Value on a revolving basis. Your availability of funding, therefore, goes up and down in line with your stock levels. This can be very useful to a business that has seasonal trading fluctuations or that carries high values of stock to cover customer needs.

Up to

85%

Of Eligible Value

Advances of up to 85% of the Eligible Value on a revolving basis


Plant & Machinery

In respect of Plant & Machinery, our advance will take the form of an amortising loan of up to 4 years.

An advance of up to 75% of the value of existing equipment can prove an excellent way to raise funds for further capital expenditure (capex) or other developments.

Up to

75%

Of Equipment Value

up to 75% of the value of existing equipment can prove an excellent way to raise funds


Property

Commercial property provides a business with stability but there may be equity as a result of loans being paid down that could be re-used profitably in the business.

Our facilities of up to 75% LTV are amortising but may be structured to offer a lower level of repayments during the term with a bullet repayment of the balance.

Up to

75%

LTV

Our facilities of up to 75% LTV are amortising but may be structured to offer a lower level of repayments


Cash Flow Loans

In addition to the ability to release working capital, is often necessary to provide an additional loan based on the cash flow of a business – particularly to support private equity sponsored transactions and M&A activity.

This supplemental facility is available to organisations with strong capital structures and can make all the difference in making deals a reality.

Need a faster decision?

Our team of decision makers will see you at your business premises
Call us now on 0800 051 8397 or contact the team direct

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