Sale & Leaseback commercial property (Europe & UK):
- Applicable in most European countries, for commercial property only.
- Asset needs to be occupied by the borrower.
- Cash release valuation based on estimated market rent.
- 4 million minimum Ticket.
SAAS & Subscription Revenue Finance (Europe, US, UK, Internationally):
- Advances up to 30% of Annual Recurrent Revenue.
- Revenue Finance up to £10m.
- Rates in the 11% region.
- Unsecured.
Advances against R&D Tax Credits (UK):
- Loan advances up to 75% of R&D Tax Credit.
- HRMC approval not required.
- Bypasses credit – can be applicable for loss-making businesses.
- No Personal Guarantee required.
Asset Loans (US only):
- Term Loans secured on Plant, Machinery and Vehicles, up to max 80% of Forced Liquidation Value (“FLV”).
- $1m to $20m tickets.
- Repayment terms up to 60 months.
- Bridge Loans, Acquisition Financing, Sale & Leasebacks, DIP Loans, Note Purchases.
Property refinance in business acquisitions (UK):
- Automatic refinance after 12 months to a 6 year Term Loan.
- Mix of Bridging and Term Loan Financing solutions in business acquisitions.
- Available for “PropCo + OpCo” or properties on balance sheet.
- Max 65% LTV without sponsor (buyer) contribution.
Institutional lender finance solution (UK, US, Holland, Germany):
- Wholesale lending facilities for ABL lenders, as co-finance.
- Min 5m ticket
- Mezzanine or junior positions are possible.
- Cost of finance in line with existing lenders/investors.
Commercial property refinance (UK, Germany, Netherlands, Spain):
- Occupied or unoccupied.
- Minimum Euro 1m ticket.
- Costs of finance from 9%/year.
- Flexible solutions including cross-jurisdictional and cross-asset.
Property asset finance (worldwide):
- Needs to be owned by a Jersey, Luxembourg or another reputable jurisdiction company.
- Residential property assets only (except main residence).
- Equity release, Bridging loans.
- Minimum 1m finance.
Property development finance (Europe & UK):
- Max 70% LTV or 80% LTC.
- Min 10m, max 100m.
- Can include construction finance and/or redevelopment finance.
- First Degree mortgage required.
AR & Acquisition Finance (Europe, North America):
- Financing based on Accounts Receivable “AR” as an asset.
- Minimum 10m, to 200m.
- AR finance in any sector.
- Acquisitions are considered.
Sale & Leaseback commercial solutions (UK and Europe):
- Release cash from your existing property commercial asset.
- Solution for businesses to acquire the premises where they trade from.
- Up to £10m value transactions.
- MBOs and MBIs are considered.
Buy-Now-Pay-Later for B2B marketplaces (UK, Ireland, Spain, Netherlands, Belgium, Poland & Cyprus):
- Sales financing solution for E-commerce merchants and Marketplaces.
- Buyers can be in Europe, North America, India, Middle East and Australasia.
- Embedded Finance in the sales process.
- Different currencies supported – GBP, EURO, USD.
Unsecured lending for SMEs (Germany, France, Spain, Italy, Netherlands):
- Up to €200k unsecured, possible up to €2m secured.
- Term loans and leases considered.
- Decisions in less than 24 hours.
- Transactional events are considered (M&A).
Commodity trading finance:
- Agricultural and Base Minerals finance.
- AR, AP, Purchase Order, Structured Finance and Letters of Credit.
- Flexible options based on stock and inventory.
- Cost of finance from 5.7% annualized.
Hospitality finance (Greater London area, UK):
- For restaurants, coffee shops with a minimum 2 separate units in operation.
- Up to £500k credit lines.
- Unsecured.
- Limited to the Greater London area only.
Supply Chain finance (UK & EU):
- Credit limits from £100k to £5m.
- Unsecured.
- Payment to suppliers can be done earlier, on a flexible basis.
- Cost of finance from 1.3%/month.
Supply Chain Finance (UK):
- Credit limits from £20k to £2m.
- Unsecured.
- Repayment tenor up to 75 days.
- Cost of finance from 0,65%.
Cash flow finance (UK):
- Secured & unsecured cash flow finance.
- No PG required.
- Rates from 13%/year.
- Can be done with third party guarantors.
Combined Term Sheets for Trade Finance (International):
- Credit lines and structured trade finance solutions in one term sheet.
- Can be applicable to any company, in any jurisdiction, anywhere in the world.
- Mid-market and large businesses are considered.
- Combined cost of finance from 4%/year annualized.
Recruitment sector finance (UK):
- Up to 100% Timesheet/invoice finance.
- PG and Debentures may not be required.
- UK-based companies with domestic and international clients.
- Cost from 1,5% Utilization.
Marine/shipping sector – port agent prepayments finance:
- Specific for international marine/shipping sector.
- Unsecured facility for shipping companies to pay/prepay port agents.
- Can be revolving, up to 4 months tenor.
- Cost of finance from 0,6%/month.
Invoice Finance (Switzerland):
- Revolving Loan Facility.
- Security is a Non-disclosed Assignment of Receivables only.
- Swiss and international debtors are possible.
- Usage of facility can be intra-group (if group structures).
Stock Finance (UK):
- Identifiable and “Durable” assets only.
- Revolving Credit Facility – max 3 months tenor.
- Cost of finance circa 1%/month.
- Flexible guarantee arrangement but always including Retention Of Title (ROT).
Stock Finance (UK):
- Stocking facility for new and existing stock.
- Max £300k line of credit.
- Revolving Credit Facility.
- PG required plus Floating Charge.
Interest-only finance for commercial properties (UK):
- Interest-only repayments for commercial properties.
- Terms up to 7 years,
- Cost of finance from 6,5%.
- Any commercial asset considered.
Commercial property finance with ABL facilities (UK):
- Adequate for acquisitions where property assets outweigh other asset classes.
- Accounts Receivable, Tangible Assets would be considered in the finance mix.
- Cost of finance in line with high street banking products.
- Debenture and PG required.
E-commerce Acquisition finance (UK, US, Canada):
- Common Law jurisdictions only (UK, US, Canada, etc)
- Minimum 15% equity contribution from the buyer.
- Targets need to be profitable and have affordability.
- All-Asset-Debenture required, no Personal Guarantee required.
Independent securitized credit insurance solutions for Trade Finance and Debtor protection:
- Could be applicable to any sector, in any country.
- Will require a financing facility backed by the credit insurance.
- Potentially no security required.
- From $100k to any amount.
Unsecured credit line for large projects (UK, US and Europe):
- Available for medium and large companies – minimum 20 million turnover.
- Max 6 months term.
- Doesn’t require Credit Insurance.
- No security required.
Sale & Leaseback marine shipping assets (International):
- Sale & Leaseback financing solutions for ships - amounts advanced to the shipowner, as a % of the value of the vessel.
- Financing for the purchase of shipping companies, using Sale & Leaseback on marine assets.
- Up to 50% of the market value advanced.
- Repayment terms up to 5 years.
Revenue Finance for E-commerce sector (International):
- Lend up to 2 X monthly revenues, as a Revolving Credit Facility. The borrower decides how much to draw down, and when to draw down.
- Repayment term is up to the borrower’s discretion – the borrower decides how much, and when to pay, with no fixed term.
- Pay-As-You-Use: no usage, no fees.
- Cost of finance: from 8,5%/year.
Revenue based finance (US):
- Sector Agnostic.
- Lending up to 20% of annual revenue
- Rates between 12% and 15%
- Terms up to 4 years repayment.
Construction Finance (US):
- Progress Billing and Staged Payments included.
- From $200k credit limits to $10m.
- Corporate acquisitions could be considered.
- ABL solution including inventory and tangible assets.
Structured Finance for property assets and business (UK):
- Simultaneous Property Bridging and Cash Flow Loan financing solutions.
- Can be used in acquisitions where the business owns the property – retail, care homes, education, etc.
- Short-term and long-term solutions possible.
- Rates from 7%.
Unsecured Cash Flow Finance up to £500k (UK):
- Unsecured. Can be added next to existing finance charges.
- Annual rates from 8%/year.
- Term up to 4 years.
- Personal Guarantee required.
Supply Chain Finance (international):
- Unsecured finance.
- From $100k facility size. Revolving Credit Facility.
- Repayable any time – works like an overdraft.
- Rates from 5%/year.
Acquisition Finance (UK):
- Receivables to Purchase Order, combined Facility (back-to-back financing, in acquisitions).
- Reduces risk of Working Capital shortfalls, post-acquisition.
- Applicable for B2B segment with Purchase Orders only.
- Up to £2m combined Facility size.
Short-term Debt Finance (UK only):
- Minimum term 6 months, maximum 12 months
- Repayable any time – works like an overdraft.
- Maximum £1m facility, rates from 0.9%/month.
- Debenture required; no PG required.
Acquisition Venture Debt (US & Europe):
- Equity investments as equity investors in MBO and possibly MBIs.
- From $1m/£1m/ €1m Investment Value.
- Equity requirements from management teams are holistic.
- Lead investor or Club Deal possible.
Supply Chain solution (Mexico):
- Unsecured finance, from $500k to $2m.
- Typically, the borrower is trading with North America clients and/or large corporates.
- Charges’ structure may not need to include other Asset Classes.
- Revolving Credit Facility, rates from 1%/month.
Inventory Finance (UK only):
- Inventory finance, on its own, from £1m to £10m.
- Could be used in wholesaling or B2C trading businesses.
- Charges’ structure may not need to include other Asset Classes.
- Rates from 8%/year on a Revolving Credit Facility.
Structured Finance (UK only):
- Accounts Receivable, Tangible Assets, Stock & Inventory, Property Assets - in a combined facility.
- From £1m facility size.
- Terms up to 5 years.
- Arrangement fees from 3%.
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