Asset backed and cash flow finance

These organisations specialise in lending against the security from the business’s outstanding invoices, or from physical assets. Besides the lenders listed here, see the peer-to-peer funders listed in the Crowdfunding section of this Guide.

Alba Equity

Aberdeen
Contact: John Duncan
Member of LINC Scotland
Invests from £75k to £500k
Investments in Scotland: Trojan Energy, Altair Medical

Aldermore

Beechbrook Capital

Contact: Nick Fenn
Invests from €3m to €15m
Tel: 020 3551 5965

Bibby Financial Services

Contact: Graeme Scougall
Tel: 0141 227 8477

Boost Capital

Contact: Willem Vanlyden
Invests from £3k to £500k
Restrictions: max emp 50
Tel: 01245 353 326/0800 1379080

BOOST&Co

Contact: Lance Mysyrowicz
Invests from £1m to £8m
Tel: 0207 837 7660

Arbuthnot Commercial ABL

England
Investments in Scotland: Three60 Energy

Bank of Scotland

Credit Asset Management

Tel: 020 7268 5518

DSL Business Finance

Contact: Nicola Cosgrove
Invests from £3k to £50k
Tel: 0141 425 2930

Haymarket Financial

Contact: Mark Tognolini
Restrictions: 3 years’ turnover £50m+
Tel: 020 7074 2906

Renewable Energy Investment Fund

Sectors: renewables
Tel: 0141 242 8364

Barclays

British Business Bank

Government owned, but independently managed, the British Business Bank aims to make finance markets work better for small businesses in the UK. It works through partners to provide finance at different stages:Start up (see Start Up Loans below); Scale up; Stay ahead.

Scottish Loan Fund

Invests from £250k to £5m
Managed by Maven Capital Partners Restrictions: turnover minimum £1M
Tel: 0141 206 0121

Shawbrook Bank

Clydesdale

Green Investment Bank

Sectors: Sustainable projects

HAL Investments and Tailored Solutions

Netherlands
Investments in Scotland: ENOUGH (3F Bio)
Tel: +31 10 281 65 00

Henan Lanxing Power Equipment Co

Henan, China
Investments in Scotland: Logan Energy
Sectors: large electric machinery

Hitachi Capital Business Finance

HSBC Bank plc

Lloyds TSB

Metrobank

RBS

Santander

Scottish Recycling Fund

Aims to develop or expand materials reprocessing capacity and remanufacturing facilities in Scotland.
Tel: 01786 433 930

Start Up Loans

Lends up to £25k, terms from 1 to 5 years

The Co-operative Bank

ThinCats

London
Invests from £1m to £15m
Investments in Scotland: Maritime Developments, Calnex
Regions: UK

Umi Debt Finance

UK
Investments in Scotland: Astrosat, Red Kite Oilfield Services
Tel: 0191 716 1000