Sector-Specific Debt Finance for UK SMEs
Every sector has its own debt challenges. Working capital cycles, asset profiles, debtor quality, and lender appetite all vary. We understand your sector and know which lenders are most active in it.
Sectors We Serve
We work across the full breadth of the UK SME economy.
Manufacturing & Engineering
Manufacturers have complex working capital needs, significant asset bases, and long customer payment terms. We source asset finance for plant and machinery, trade finance for raw material purchases, and revolving credit to bridge the production-to-payment cycle.
Accountancy, Legal & Consultancy
Professional services firms are often asset-light but cash flow intensive. Long debtor days, large WIP balances, and lumpy project revenues create cash flow gaps that invoice finance and revolving credit can solve. We also finance acquisitions of competing practices.
Technology & SaaS
Tech and SaaS businesses have strong recurring revenue but often upfront customer acquisition costs that outpace early cash flow. Revenue-based finance, venture debt, and ARR-backed facilities allow you to grow without diluting equity. We know which lenders understand SaaS metrics.
Construction & Housebuilding
Construction businesses face long payment cycles, high upfront material and labour costs, and retention payments held by clients. Invoice finance, contract finance, and plant finance are the core tools. Development finance is available for housebuilders and developers.
Logistics, Freight & Transport
Transport and logistics businesses are asset-heavy and cash flow sensitive. Fleet finance, invoice discounting against large corporate clients, and refinancing existing vehicle loans at better rates are the most common requirements. We know which lenders are most competitive for fleets.
Healthcare & Life Sciences
Private healthcare businesses, dental groups, care homes, and life sciences companies have high asset values, regulated revenues, and acquisition-driven growth models. We source acquisition finance for roll-ups, asset finance for equipment, and working capital for expansion.
Retail, Wholesale & E-commerce
Stock finance, supply chain finance, and trade finance are the primary tools for retailers and e-commerce businesses. Seasonal stock requirements, long supplier lead times, and Amazon/marketplace payment cycles all create working capital challenges we solve every day.
Hospitality, Hotels & Leisure
Hospitality businesses own or lease significant property assets, have strong cash revenues, and often need finance for refurbishment, expansion, or acquisition. We arrange commercial mortgages, refurbishment finance, and asset-backed lending secured against property and equipment.
Not On This List?
We work with businesses across every sector. If you have a debt requirement, we can help.
The sectors above are not exhaustive. We work with businesses in media, financial services, agriculture, education, and more. If you are a UK SME looking for debt finance, get in touch and we will tell you what is available.
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Tell us your sector and what you need. We will tell you what is available.
No obligation. ICAEW-regulated. Response within one business day.