Specialist Finance

Tailored Funding Solutions For Complex Business Situations

Specialist finance covers complex funding requirements that fall outside standard commercial lending products. From management buyouts to mezzanine facilities, restructuring existing debt to releasing growth capital, specialist finance requires deep expertise and access to niche lenders willing to consider unconventional situations and collateral.

Types Of Specialist Finance

Mezzanine Finance

A hybrid debt-equity product sitting between senior debt and equity, often used to fill funding gaps in acquisitions or management buyouts with flexible terms and higher yield requirements.

Management Buyouts

Finance solutions for management teams looking to acquire their existing business, combining multiple funding sources to structure the deal.

Restructuring Finance

Capital solutions for businesses needing to restructure existing liabilities, often combining new finance with debt resolution to create a sustainable capital structure.

Common Use Cases

Management Buyouts

Fund the acquisition of your current business from existing owners with tailored MBO finance solutions.

Acquisition Funding

Finance the purchase of another business with structured finance combining multiple products.

Business Restructuring

Replace expensive or unsustainable debt with structured finance that gives your business a stable foundation.

Growth Capital

Access expansion capital without diluting ownership through mezzanine or hybrid finance structures.

Succession Planning

Facilitate smooth ownership transitions with finance structures that work for all parties.

Frequently Asked Questions

What is mezzanine finance?

Mezzanine finance is a hybrid debt product that sits between senior bank debt and equity in the capital structure. It typically carries higher interest rates than senior debt (often 10-15%) but offers flexible terms and no ownership dilution. It is commonly used to bridge funding gaps in acquisitions, management buyouts, or development projects where senior debt alone is insufficient.

How does a management buyout work?

A management buyout involves the existing management team acquiring the business they run, often with a combination of equity from the managers and debt financing from specialist lenders. The process typically involves valuation, structuring the deal, negotiating with sellers, and arranging finance — with the existing management using their industry knowledge and track record to secure funding.

Can you help if my business has existing debt problems?

Yes, specialist finance can help businesses with existing debt challenges. Restructuring finance solutions are designed to replace expensive, unsustainable debt with new facilities that provide breathing space and improved terms. Your broker will assess your situation and identify lenders who specialise in complex or distressed situations.

How quickly can specialist finance be arranged?

Specialist finance arrangements typically take longer than standard commercial loans due to their complexity. From initial enquiry to formal offer, you should expect 6-12 weeks for complex MBO or mezzanine facilities. Simpler restructuring situations may progress faster. Your broker will give you a realistic timeline based on your specific circumstances.

Is my personal asset at risk?

In most specialist finance arrangements, some personal asset exposure is likely — particularly for MBO transactions or when personal guarantees are required. However, the specific risk depends on the deal structure and security offered. Your broker will clearly explain the risk profile before you commit to any facility.

What security is required for specialist finance?

Security requirements vary by facility type but typically include business assets, property, or shares in the target company. For MBO transactions, security often includes the business assets being acquired. Your broker will structure the security package to meet lender requirements while minimising personal exposure where possible.

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