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Acquisition, MBO & MBI Finance

Debt-stack engineering for buy-outs from £1M – £100M.

Senior + mezz + vendor-loan structures for management buy-outs, buy-ins and bolt-on acquisitions.

Ticket size

£1M – £100M

Turnaround

Heads in 21 days

Capital partners

22+

Composes with

3 sectors

Key highlights

What sets this apart.

Senior + mezz stacks

Vendor-loan negotiation

Earnout structuring

The problem

Why this capability exists.

MBO deals collapse on financing structure as often as on price — and most brokers can't model the full debt-stack.

Our approach

  1. 01

    Model the deal as a leveraged structure across senior, mezz, vendor and equity.

  2. 02

    Pre-clear the structure with senior funders before LOI.

  3. 03

    Coordinate W&I insurance and tax structuring upfront.

Outcomes you can expect

  • 22 active MBO funders
  • Median 8-week LOI-to-completion
  • W&I + tax bundled at no extra cost

Typical structures

How acquisition, mbo & mbi finance deals are commonly built.

Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.

01

Term Loan

3–7yr amortising, secured against trading cashflow or assets.

02

Revolving Credit Facility

Committed line, drawn as needed, covenant-tested quarterly.

03

Acquisition / MBO Debt

Multi-tranche senior + mezz, structured around target EBITDA.

Library OS

Live signal · stack ideas · audience fit.

Three modules that turn this capability page into an orchestration view, not a brochure.

Lender appetite right now

What our desk is seeing on this capability this week.

  • down

    Alt-fintech lender · Revenue-based finance

    Second consecutive quarter of arrears uptick in casual dining cohort.

    Pulled appetite for hospitality

  • flat

    Two clearing banks · Working capital RCF

    Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.

    Margins held; covenants softened

  • down

    Two private credit funds · Unitranche £10m+

    Competing aggressively for sponsor-backed mid-market refis ahead of June.

    Tightened pricing 50–75 bps

Who this fits

Audience fit, scored from the brief.

  • SME founders & CFOs

    100%

    Working capital, growth funding, asset finance, invoice finance.

  • HNW & family offices

    100%

    Structured credit, complex cases, cross-border, tax-efficient capital.

  • Property developers & investors

    0%

    Bridging, development finance, BTL portfolios, refurb-to-let.

  • Brokers & intermediaries

    0%

    Lender intel, criteria shifts, packaging playbooks.

Test the fit

Two interactive tools, no credit footprint.

Score your eligibility and model the deal economics before you ever talk to us.

Eligibility quick-check

Get an instant indication.

Five quick questions. No credit footprint. We'll show you a fit score and what to do next.

  • Is the business UK-incorporated and actively trading?
  • Are annual revenues £500K+ (or £100K+ MRR for SaaS)?
  • 12+ months of trading history?
  • Profitable, near-profitable, or strong gross margins?
  • No material adverse credit on the directors?
0

0/5 answered

Answer to see your fit score

Scenario calculator

Model the deal.

Indicative only — final pricing reflects your actual lender quote.

£500k
9.50%
36 mo

Monthly

£16k

Total interest

£77k

Arrangement fee

£7.5k

Effective APR

10.00%

What happens next

Lender panel preview & document checklist.

Indicative lender match

Who we'd quote on day one.

Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.

  • Clearing Bank Term DeskTier 1

    Term loan / RCF

    Indic. SONIA +2.5%

  • Challenger Bank GSpecialist

    Asset-based / Invoice

    Indic. SONIA +3.5%

  • Growth Debt Fund HAlt

    Venture / Growth debt

    Indic. 10–14% pa

  • Tax-Loan Specialist ISpecialist

    VAT / Corp Tax

    Indic. 0.85%/mo

  • Acquisition Lender JAlt

    Senior + Mezz

    Indic. 9.5% blended

  • Embedded Capital KAlt

    Revenue-based

    Indic. 5–9% factor

Document checklist

What we'll need.

Indicative pack to get you a credit-quality answer in days, not weeks.

  • Last 2 years filed accounts
  • Latest 6 months bank statements
  • Latest management accounts + cashflow forecast
  • Director ID + proof of address
  • Aged debtors / creditors (if invoice / ABL)
  • VAT returns (last 4 quarters)
  • Personal guarantees & PAL (if requested)
  • Use-of-funds memo

FAQs

Frequently asked

The questions clients always ask.

  • Most lenders will request a director PG, often capped to a portion of the facility. Some asset-backed structures can be PG-light.

  • Working capital lines: 3–7 days. Term loans: 2–4 weeks. Acquisition / structured deals: 6–10 weeks subject to legals.

  • Pure pre-revenue is rare; we have growth-debt partners that lend against ARR / contracted revenue from £100K MRR.

  • Brokerage is paid by the lender on drawdown for most facilities. For acquisition / structured-debt mandates, we agree a fee in advance.

Short enquiry

Tell us about your acquisition, mbo & mbi finance requirement.

A specialist will respond within one business hour. No credit footprint.

Linked to Acquisition, MBO & MBI Finance. No credit footprint.