Liane@MendipFundingSolutions.co.uk +44 (0) 7966 960630

Leveraging your assets - ABL funding

ABL funding solutions are based on leveraging assets which lenders view as valuable, such as stock, debtors and property.

ABL solutions are often sustainable and work well to support the cash needs of business during periods of cash use, for example growing purchases and debtors.

ABL funding solutions are often used to fund transactions, because if assets are currently unencumbered, the funding raised is an immediate cash injection.

Funding options for Technology

We have heard that starting a tech business is easier than getting the right financing for it!

By using our network, we help you to secure appropriate funding by focusing on the right financing options at each stage of growth.

We can help you to identify your current and future options and we are familiar with modern financing structures for SaaS business models, such as ARR funding or cash flow loans.

Are you growing or expanding?

It can be more challenging to secure funding for growth, as the ability to repay debt is reliant on successfully delivering the growth plan, which is sometimes a little optimistic...

However, we know which lenders like supporting growth scenarios for investments in people, premises, technology, new products and new offices.

There are many regional growth funds with money to lend, many of which you may not have heard of.

Buying a business or shareholding

Funding a transaction presents challenges because many lenders do not have much credit appetite for transactions, due to the increased credit risk when leveraging a business to raise debt.

We know which lenders do like to support transactions and can help you to secure funding.

We have experience of securing funding for transactions such as Management Buy Outs / Buy Ins, acquisitions and Employee Ownership Trusts.

Buying or refinancing property

There are plenty of lenders willing to fund property. It is a well-established marketplace.

Typical financing scenarios include commercial mortgages, bridging loans, development finance or buy to let including HMOs and split residential/commercial lets.

We can also refinance property to release cash as a one-off injection to support working capital needs or fund transactions for other trading businesses.

Refinancing to get a better deal

The best way to improve your terms is by entering in to a competitive process.

Did you secure funding during a low point in performance?

When was the last time you reviewed your borrowing costs against other lenders?

We help you to get a better deal for your business, for example improved pricing, more amiable covenants, a reduced security suite or increasing your funding limits.

Navigating the lending markets with confidence

When you choose us, we support you from our first conversation through to completion. We are committed to being pro-active, ethical and straightforward communicators.

1. Initial introduction

We have a chat, get to know each other and discuss your options.

At this stage we will ask about you, your business(es) and what you are looking to fund with the money you want to borrow.

This usually enables us to form an early view on the likelihood of obtaining funding and from which lenders.

2. Testing the market

We have early stage conversations with a range of lenders.

Within our broad network of lenders, we identify the best fit for you based on multiple factors such as the industry you operate in, the stage of maturity of your business is at and how you want to use the money you are borrowing.

We send our selected lenders a "teaser" document summarising what you've told us. We take on board the feedback and this helps us to shape the next stage.

3. The best deal

We strive to get you the best deal available.

During this stage we are actively fielding queries and data requests.

We do our best to ensure the requests from lenders are reasonable and handled efficiently and effectively.

We achieve this by reviewing your data with you, making sure the questions being asked are being answered efficiently.

4. Choose your lender

We share with you the offers we have received and you choose.

It is really important to make sure you understand the terms you are agreeing to.

We are a finance broker, not an advisor. We will therefore will not be able to advise you.

However, we can introduce you to suitable lawyers or accountants who can advise you, if you want us to.