Funding for established and growing SMEs
Potential requirements include:
- Working capital
- Business acquisitions
- Partner or shareholder buy-ins
- Commercial property
- Equipment and technology
- Insurance premium funding
- Refinancing
- Debt restructuring
- Business growth
The suitable structure depends on why the business needs funding and how the debt is expected to be repaid.
Finance for professional firms
Professional businesses may generate strong recurring revenue while holding relatively few tangible assets.
Finance requirements can include:
- Partner buy-ins
- Practice or firm acquisitions
- Recruitment
- New offices
- Fit-outs
- Technology
- Working capital
- Expansion
- Business property
Lenders may therefore place greater emphasis on maintainable earnings, cash flow, management and the quality of the business.
Managing growth without exhausting cash reserves
Growth can increase cash requirements even where a business is profitable.
Recruitment, supplier payments, project delivery and debtor timing can all increase the amount of working capital needed.
A suitable facility may help bridge an appropriate timing gap while preserving liquidity for other business requirements.
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Funding ownership changes and acquisitions
Professional firms and SMEs may use acquisition finance to buy another business, fund a partner buyout, introduce new owners or support succession.
The structure can involve business cash flow, goodwill, available assets, buyer contribution and future earnings.
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When existing finance no longer suits the business
As businesses grow, facilities established at different stages can become fragmented or inefficient.
A review may consider:
- Existing facility structure
- Security
- Pricing and fees
- Maturity dates
- Working capital availability
- Lender concentration
- Future funding requirements
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Commercial Property
Finance business premises, investment property and commercial development.
Insurance Premium Funding
Spread eligible business insurance premiums across instalments rather than absorbing the full annual cost at once.
Working Capital / Cashflow Funding
Support operating liquidity alongside an equipment purchase.
SME and business finance FAQs
What is SME finance?
SME finance is commercial funding used by small and medium-sized businesses for operating, investment and growth requirements.
Can professional goodwill be financed?
Potentially. Some lenders may consider goodwill where sustainable earnings and sufficient debt-service capacity support the transaction.
Can a business line of credit support growth?
A line of credit may help manage recurring or variable working capital requirements, subject to lender assessment and facility terms.
Can existing business loans be refinanced?
Potentially. Refinancing may be considered where a business wants to review lender, security, pricing, structure or future flexibility.