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Gary Guest on getting the deal 'over the line'

Having already lent more than £2 million from a standing start in early 2011, the North West Fund for Business Loans is providing a real boost for the North West’s businesses. Providing loans of between £50,000 and £250,000, fund managers FW Capital can work with banks to get deals ‘over the line’.

Working alongside banks we can help with:

  • Client retention
  • Client growth
  • Risk sharing

Some examples of how we can work with banks:
Businesses with a lack of trading history

We can lend to businesses that require cash for working capital and even those with limited trading history.  In this case we’d take into account factors such as the strength of the management team and any signed contracts from major suppliers, for instance. 

Working with the business and its bank, we can help the bank preserve its relationship.

Property purchases

We can lend to help businesses to purchase owner-occupied business premises where a bank can only provide a loan at a loan-to-value (LTV) ratio lower than the business requires. 

FW Capital can provide the shortfall, enabling the deal to go ahead.

Asset purchases

We can lend to businesses which need to purchase equipment to fulfil new orders where the bank’s asset finance provider requires a larger than expected deposit. FW Capital can fund the increased deposit enabling the bank to generate increased income.

Working capital

We can lend to businesses with increased working capital requirements, for example where the bank is unable to fund stock purchases due to lack of security.  The working capital must be needed to help the business achieve its future growth.