SME Loan
Growth rarely waits for the perfect quarter.
Fund the inventory, equipment or expansion your business is ready for, with terms built around real cash flow — not a rigid template. Start by seeing how ready you already are.
A lender that reads a business the way an owner does.
Small businesses are not salary earners, and they should not be assessed like them. Our SME facility looks at how your business actually earns and repays, and structures around that reality.
Use the scorecard below to see how a lender would view your application today — and, just as usefully, what would strengthen it before you apply.
Whether it is stock, equipment, or bridging a big order, we build the facility around the opportunity in front of you.
How it is secured
Terms are structured around your business’s cash flow and, where useful, available assets.
Who it is for
Small and medium business owners funding inventory, equipment or the next stage of growth.
Score your SME readiness
A free, no-obligation estimate. Nothing is stored until you choose to continue.
SME Loan Readiness Scorecard
A quick read on how a lender would see your business — and what would strengthen it.
Indicative readiness only — a guide to preparation, not a credit decision.
Four steps, no mystery
Score
Prepare
Apply
Access
The SME Readiness Pack
The documents lenders look for, the ratios that matter, and how to present your business at its strongest.
Before you apply
It is structured around business cash flow and can include asset-backed options a personal loan does not.
Not always — it depends on the size and structure that fits your business.
We assess each business individually; an established trading history helps but is not always required.
Inventory, equipment, working capital or expansion — whatever moves your business forward.
