SME Capital

SME Capital is an online alternative lending platform that connects SME businesses with institutional capital, providing fast and long-term business loans to SMEs in the UK. SME Capital helps established SMEs raise long-term strategic debt of between £1m-£20m that is typically used for M&A, MBOs/MBIs and working capital. Lenders access strong underlying credit opportunities while businesses looking to borrow are provided with the flexibility they need in structuring the loan. Cutting-edge intelligent technology has been designed to maximise efficiency across the entire transaction process, enabling businesses to receive an initial decision on their loan application within 72 hours and, if successful in securing indicative terms, complete in as little as 6 weeks. The platform allows businesses to apply for a loan, manage, collaborate and store documents on SME Capital’s streamlined and online lending platform. SME Capital works closely with a select group of professional investors who are committed to supporting SME growth. Through a dedicated dashboard, institutional investors can find opportunities based on specific parameters such as ticket size, sector, diversification, terms and credit ratios. Investors access a full investment suite allowing for efficient portfolio management; from origination to credit analysis and ongoing monitoring. Investors can access quality SME credit opportunities through the managed SME Fund or as an Active Underwriter. Through the SME Fund investors access competitive risk-adjusted returns with greater diversification across the portfolio, while active underwriters have more control over portfolio construction and are able to cherry pick deals that accurately fit specific lending parameters. The SME Capital team is made up of former investment bankers, investment advisors, lawyers and software developers, leveraged finance, debt private placements, commercial and corporate law, credit risk management and restructuring.