SME Business Finance

Flexible working capital and term financing for small and medium enterprises — covering operating expenses, inventory, expansion and short-term liquidity needs, structured around your business cycle.

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Why This Facility

Working capital that flexes with how your business actually runs

Three things set this apart from a fixed, single-purpose loan.

Flexible use of funds

Cover inventory, payroll, short-term liquidity gaps or a specific expansion cost — one facility, multiple uses.

Scales with your business

Facility size is reviewed as your turnover grows, so financing keeps pace instead of staying fixed at the original limit.

Built around your business cycle

Repayment terms account for seasonal swings and receivables timing rather than assuming steady, even cash flow.

How It Works

Four steps, start to disbursement

Submit business profile

Share your business registration, recent financials and the purpose the financing will serve.

Assessment

Turnover, cash flow patterns and business viability are reviewed to determine an appropriate facility size.

Facility structuring

Working capital or term structure, limit and repayment schedule are set against your business cycle.

Disbursement

Once documentation is complete, funds are released as a lump sum or drawn down as needed, per the agreed structure.

Eligibility

What we look for before extending the facility

A registered business with a minimum period of operating history in its current line of activity.
Basic financial records — bank statements or management accounts — showing regular business activity.
A clear, stated purpose for the financing, whether working capital, inventory or a specific expansion cost.

Note: Facility size and structure are set case by case based on turnover and cash flow. Collateral requirements vary with the amount requested.

Common Questions

Before you apply

SME finance is for a healthy, operating business that needs working capital or growth funding — restructuring is specifically for businesses under financial distress.

Facility size is set based on turnover and documented need; there's no fixed universal minimum or maximum — it's assessed case by case.

Not always for smaller facilities, but larger amounts typically require some form of collateral or additional security.

Ready to fund your next phase of growth?

Share your business profile — we'll confirm a facility structured around your cash flow.

Start Your Application