Considered
private credit.

No. At the enquiry stage we only perform a soft credit check, which leaves no footprint on your credit file. A hard search is only carried out if you choose to proceed with a full application after receiving your indicative offer.

A personal guarantee means that if the business cannot repay the loan, you as a director accept personal liability. It is a standard requirement for unsecured SME lending — most business loans outside of banks require one. We explain the terms clearly before you commit to anything.

Typically we require 6–12 months of business bank statements, recent filed accounts or management accounts, and proof of identity for all directors. For bridging we also need details of the security property and your exit strategy. We will give you a precise list once we have had an initial conversation.

Timelines vary depending on the complexity of the case and how quickly documents are provided. For SME loans, many clients receive funds within 5–10 business days of a complete application. Bridge cases can move faster when valuations and legal work are straightforward. We give you a realistic timeline at the outset.

Investor capital is deployed into secured credit opportunities that have been underwritten by our credit team. Specific structures are bespoke and agreed in advance — including security, reporting cadence, and exit terms. We meet investors directly to walk through structure, risk and historical performance.

Yes. We welcome introducer relationships with commercial finance brokers and intermediaries in both the UK and UAE. To discuss a panel arrangement or submit a case on behalf of a client, please contact our partnerships team directly.