The best debt package and funding options will depend upon purpose as well as the position of the company. Take advantage of experience from the other side of the table, plus numerous debt raises across the spectrum of banks, debt funds and alternative lenders.

The UK’s High Street banks are still extremely competitive and can often offer the most compelling debt packages within the natural constraints of their wider responsibilities and capital regulation. In addition debt funds, alternative lenders and challenger banks are living up to their ambition to expand the range of sensible debt packages available to UK SMEs. The UK’s vibrant private equity market can provide excellent finance aligned to a robust and well-presented growth plan, as well as ‘cash-out’ for acquisitions and management buyout transactions if appropriate.

An early discussion about your plans can help to home in on the options with the best chance of success, together with likely costs and process.