Small Cash Flow Loans for MBO / MBI / Acquisitions
At Sterling Commercial Finance, we constantly seek innovative and alternative finance providers for our clients.
We see many small acquisitions or MBOs struggle to complete as there just isn’t enough funding to “bridge the gap.” Clients may have sorted personal funds, ABL lending, and deferred consideration to do a deal, but often, that’s not quite enough.
In most cases, the bank won’t help. Indeed, sometimes, they compound the problem by wanting their CBILS loan repaid. How inconvenient!
Algorithm lenders won’t assist as they don’t fund MBOs. What if you had a loan provider keen on MBOs and willing to do a small cash-flow loan? This could be the layer of funding to make the difference.
One of our panel funders is now offering such a facility.
Could you take a look at the product features and benefits below? If you think this could work for your business, please do not hesitate to contact us, and we can assess the “art of the possible” for you.
Features
- £25,001 – £250,000 over 5 years
- 13% – 14.74% above base = maximum rate of 19.99%. (See below)
- Can fund cashflow, growth, MBO/MBI & Acquisitions
- RLS government guarantee
Benefits
- No early repayment charges
- No homeowner requirement
- Appetite for MBOs and Acquisitions
- Quick deal turnaround times
Credit Criteria
Each deal is treated upon it’s merits, but a business plan and integrated financial forecasts will be required to prove debt serviceability. We can assist with these in house.
On the face of it, this may seem expensive (but compared to what ?) Unlike larger cash flow lenders, there is no external legal fees or third party due diligence.
Security
- Debenture, often taken behind primary lenders.
- Personal Guarantee taken for only 25% of the loan amount
Contact us to discuss whether Small Cash Loans is viable for your business, complete our contact form or email info@sterlingcommercialfinance.co.uk
