Hospitality
Restaurants, pubs, hotels and event venues across the UK.
Typical use of capital
Refits, stock for peak, seasonal cash flow
Sectors we serve
Funding every corner of the UK economy.
From Soho restaurants to Sheffield steel, we structure capital around the rhythm of how you actually trade. Twelve specialist desks, one decision-maker per file.
Specialist sector desks
Each desk is staffed by people who have operated in or financed your industry.
Single point of contact
One relationship manager from enquiry through drawdown.
Decisions in hours
Most files are quoted the same working day.
Soft-footprint check
Initial eligibility leaves no mark on your credit file.
Check eligibility
Retail
Independent and multi-site retailers, on the high street and beyond.
Typical use of capital
Inventory, new stores, refurbishment
E-commerce
DTC, marketplaces and subscription brands scaling rapidly.
Typical use of capital
Paid acquisition, inventory build, peak trading
Construction
Contractors, trades and developers bridging project cash.
Typical use of capital
Materials, payroll, deposit funding
Professional services
Agencies, consultancies, accountancy and law practices.
Typical use of capital
Hiring, fit-out, deferred receivables
Healthcare
Private clinics, dental, pharmacies and care groups.
Typical use of capital
Equipment, acquisitions, site openings
Manufacturing
SME makers, fabricators and food production lines.
Typical use of capital
Machinery, raw materials, contract funding
Transport & logistics
Couriers, hauliers and 3PL fleets keeping the UK moving.
Typical use of capital
Fleet, fuel cards, depot expansion
Beauty & salons
Salons, barbers, spas and aesthetic clinics.
Typical use of capital
Chairs, fit-out, marketing, second site
Automotive
Garages, MOT centres, body shops and dealerships.
Typical use of capital
Stock, ramps, diagnostic equipment
Wholesale & distribution
Importers, wholesalers and distributors managing big orders.
Typical use of capital
Bulk orders, FX hedging, warehouse
Veterinary
Independent vets and consolidating group practices.
Typical use of capital
Equipment, premises, group roll-up
Sector-aware underwriting
Specialists, not a call centre.
Each desk is staffed by people who’ve worked in or financed your industry. The conversation is faster because we already speak the language.
Read the cycle
We model seasonality, pay days, settlement lag and stock turn before quoting.
Look beyond credit
Bank flows, platform data and live receipts inform what your business can really carry.
Right product, not the easy one
Term, MCA or revenue line, we match the structure to your actual cash rhythm.
Human at every step
Direct line to your underwriter. No tickets, no IVR loops.
Case studies
Anonymised outcomes from real businesses.
Identifying details removed. Numbers reported by the client at the close of each facility.
Client safeguards
Built on the same controls you’d expect from your bank.
We hold ourselves to the standards UK regulators expect of consumer finance, even though commercial lending sits outside the FCA perimeter.
ICO registered
Data controller no. ZB984210. Handled to UK GDPR standard.
256-bit TLS encryption
Bank-grade transport security on every page and submission.
Open Banking · AISP
Read-only access via FCA-authorised providers. Revoke any time.
Segregated client accounts
Funds flow through ring-fenced UK banking facilities.
Soft search first
Eligibility checks leave no footprint on your credit file.
Plain-English terms
No exit penalties on most products. Costs disclosed up front.