Funding shaped around how your industry actually trades
A haulier, a dental practice and a brewery all need working capital, and lenders read all three sets of accounts completely differently. We place cases with funders who already understand the sector — and price it accordingly.
Talk to us about your sectorWhy the sector on your file changes the answer
Every lender holds a view on sectors, whether they publish it or not. Some will not fund hospitality at all. Some fund construction only where the income is contracted. Others actively seek out veterinary and dental practices, because the revenue is predictable and the failure rate is low.
That appetite drives nearly every answer that matters to you: how much, how quickly, at what price, and against what security. Two businesses with the same turnover and the same margin can receive very different offers on the strength of the SIC code at the top of the file.
We keep track of who is doing what. When your case goes out it goes to funders who already lend into your industry, who understand its seasonality, and who know what a normal set of accounts looks like in it — so the conversation starts with pricing rather than with an explanation of your business model.
Construction and property
Construction
Building work is paid for long after it is done. Funding the gap between paying your people and being paid by your client is the central problem of the sector.
Read moreScaffolding
Scaffolding ties enormous amounts of capital up in steel sitting on other people's sites. Funding the stock is what lets you take the next contract.
Read morePlant & Heavy Machinery
Heavy plant holds its value, and funders who genuinely understand residual values will price it far more sharply than a general lender ever could.
Read moreShopfitting & Fit-Out
A fit-out is worth a great deal to the business using it and almost nothing to anyone else. That single fact shapes how it has to be funded.
Read moreTransport and logistics
Logistics & Haulage
Vehicles are the most easily valued assets in the market, which makes fleet funding straightforward. Fuel and payment terms are where the pressure actually sits.
Read moreGarages & Forecourts
Workshop equipment, diagnostic kit and forecourt infrastructure — plus the stock funding that dealers need to hold vehicles they have not yet sold.
Read moreUtilities & Waste
Heavily capitalised, tightly regulated and largely contracted — a profile lenders like, once they understand the licensing behind it.
Read moreManufacturing and industry
Manufacturing
Capital equipment with genuine resale value, funded over the years it produces — plus the working capital to bridge raw materials and customer payment terms.
Read morePrinting
Presses are expensive, long-lived and well understood by specialist funders — which makes them one of the more straightforwardly fundable assets in industry.
Read moreSolar & Renewable
Two very different funding problems: installers needing stock and vans, and projects needing capital against long-dated, often contracted revenue.
Read moreScience & Technical
Laboratory and testing equipment is expensive, specialised and slow to resell — which makes lender choice matter more here than almost anywhere else.
Read moreFood, drink and hospitality
Hospitality
Seasonal, card-heavy and viewed cautiously by mainstream lenders — which is exactly why the choice of funder makes such a difference here.
Read moreBrewing & Distilling
Equipment that lasts decades, and stock that has to be paid for long before it can legally be sold. Two funding problems that need different answers.
Read moreHoliday Parks & Glamping
Highly seasonal income against year-round costs, funding units and infrastructure that only earn for part of the year.
Read moreLeisure
Membership income is exactly the kind of predictable revenue lenders like — provided you can show that members stay as well as join.
Read moreRetail and consumer
Retail
Stock cycles and card takings shape everything. Facilities that flex with turnover often beat a conventional term loan in this sector.
Read moreE-commerce
Growth in online retail consumes cash: inventory and advertising both have to be paid for well before the revenue they generate arrives.
Read moreBeauty & Wellbeing
Treatment equipment can transform what a salon or clinic is able to charge — but much of it is soft asset lending, and that changes the conversation.
Read moreFranchising
An established franchise brings something most new businesses cannot: a proven model with real numbers behind it. Lenders take that seriously.
Read moreProfessional and care
Agencies
Agencies pay people before clients pay them. The larger the contract you win, the bigger that gap becomes — which is why growth so often creates the crisis.
Read moreProfessional Services
Work in progress is real value that no lender can repossess. Funding a professional firm is about the reliability of its fee income, not its assets.
Read moreIT & Technology
When the main asset is recurring revenue rather than anything physical, funding depends on how convincingly that revenue can be evidenced.
Read moreMedia & Comms
Production equipment holds value and rental businesses know it. The harder question is funding the gap between a commission and its final payment.
Read moreMedical & Dental
Predictable income, regulated entry and low failure rates — the profile lenders like most, with specialist funders competing for the business.
Read moreResidential Care
Long-term demand and contracted income, set against tight regulation and real workforce pressure. Lenders weigh all four carefully.
Read moreLand-based and specialist
Farming
Income arrives once or twice a year while costs run continuously. Agricultural lenders understand that rhythm; general lenders frequently do not.
Read moreDrones & Survey
High-value equipment in a young, fast-moving market. Funders here are backing the contracts and the certification far more than the hardware.
Read moreThe four things that change between industries
Sector is shorthand for a handful of underlying characteristics. These are the ones that move a lending decision.
Seasonality
A business that earns most of its margin in four months of the year is not weaker than one that earns evenly — but a lender reading bank statements from the quiet season will think otherwise unless somebody explains the pattern.
How asset-heavy you are
Where there is machinery with a real resale market, asset finance is usually cheaper than a general loan, because the funder's downside is a piece of kit it can sell rather than a court judgment it has to enforce.
Contracted versus won income
Revenue under contract, on a framework or on subscription is treated very differently from revenue won job by job. It often unlocks longer terms and larger facilities than the turnover alone would suggest.
Licensing and regulation
Operator licences, CQC registration, alcohol licences and professional registrations all reassure a lender that a business is not easily replaced. They also create fixed costs that underwriting has to allow for.
Your industry does not have to appear here
The groups above cover the enquiries we see most often, not the limits of what we will look at. Unusual sectors are common in this market, and an industry nobody has a panel for is precisely the sort of case a broker is useful for.
What matters is the shape of the business rather than its label — what it owns, who pays it, how reliably, and what the money would be used for. If you can answer those four questions we can tell you fairly quickly whether there is a lender for it.
- We will tell you at the outset if your sector is genuinely hard to fund, rather than finding out three weeks in.
- Where a mainstream lender will not go, we look at specialist funders who price for the risk instead of avoiding it.
- If the honest answer is that borrowing is the wrong move right now, you will hear that too.
Know the sector, now pick the facility
Loans, invoice finance, tax funding, asset and equipment finance — what each one is built for, what it costs, and what a lender will ask you for.
Tell us what your business does
We will tell you which funders lend into your industry, and roughly what they are likely to say.
