OUR SERVICES

If your business is seeking to bolster its working capital or funds for acquisition purposes, the Welbeck Group can work with you to secure introductions to many of the most trusted sources of investment:

  • Enterprise Investment Schemes (EIS)
  • Venture Capital Trusts (VCT)
  • Alternative Lenders
  • Venture Funds
  • Credit Funds
  • Family Offices
  • Financial Institutions
  • High-net worth (HNW) Investors

Once your investor has been found, we will continue to support you throughout the process to establish the most effective borrowing vehicle. Examples of these include:

SENIOR SECURED DEBT AND MEZZANINE FINANCE FROM ALTERNATIVE LENDERS INCLUDING CREDIT FUNDS

There are a large and ever-growing number of alternative institutional lenders and credit funds that offer an alternative to traditional bank lending. The debt structures that they offer are much more flexible than traditional lenders and their loans are usually 5-6 year non amortising bullet loans, with unitranche and committed undrawn facilities to support activities such as an acquisition program.

CONVERTIBLE LOANS

Convertible Loan Notes or CLNs are loans that have a right to convert into equity at a fixed price after a pre-agreed time. Until they are converted, they pay interest, and are secured against a company’s assets. Generally, CLNs are event driven in that they are used to support a step change in a company’s growth such as a major contract win or acquisition. Loans are usually for 3-5 years in duration.

LOANS WITH WARRANTS

These loans are used by many private investors and credit funds to provide companies with long term debt funding, usually with little or no amortisation. They are repayable in full on maturity, usually 5 years. In addition, the investor receives warrants to subscribe for equity in the borrower to provide further upside in addition to the interest received on the loan.

EQUITY INVESTMENT FUNDING

Equity investment takes many forms. For tax driven EIS or VCT investors they usually subscribe for ordinary shares in the company, although VCTs are able to invest in qualifying preference shares and loan notes as part of any equity investment. Other private equity investment always comprises a combination of shares and loan notes.