You Need to
Raise Debt.
We get you Lender Ready first.

Lender Ready means your business is presented in the most compelling way possible before you speak to any lender. That means clean, normalised accounts; a credible financial model with three-way forecasts; a clear and defensible narrative about the business and how you will use and repay the debt; and a professional information pack. Businesses that approach lenders without this preparation are declined far more often, receive worse terms when they do succeed, and take far longer to close a facility.

We work with UK SMEs typically looking to raise between £100,000 and £10 million. We have sourced facilities at the smaller end for working capital and invoice finance mandates, and at the larger end for acquisition finance and property-backed transactions. If your requirement is outside this range, speak to us and we will tell you honestly whether we can help.

It depends on the mandate. For Lender Ready preparation work, we charge a fixed project fee agreed before work begins. For debt raising mandates where we source and negotiate a facility on your behalf, we typically work on a success fee basis as a percentage of the facility raised. We are transparent about our fees from the outset. There are no surprises.

Yes. A decline from your bank is not a decline from the market. High street banks are one type of lender with specific credit criteria. There are over 400 active business lenders in the UK, including challenger banks, specialist sector lenders, asset-based lenders, and alternative finance providers. In many cases, the reason for a bank decline is something we can address as part of the Lender Ready process. We diagnose the issue first, then approach the most suitable lenders for your situation.

The Lender Ready phase typically takes two to four weeks depending on the quality of the information available and the complexity of the business. Once we approach lenders, indicative terms can come back within days for straightforward facilities and within two to four weeks for more complex structures. Drawdown typically follows four to eight weeks after credit approval. We keep you informed at every stage.

Yes. Consult EFC is regulated by the Institute of Chartered Accountants in England and Wales (ICAEW). This means we are held to the highest professional standards in the industry. Our advisers are Big Four-trained Chartered Accountants. You are not dealing with an unregulated broker. You are dealing with qualified professionals who are accountable for the advice they give.