Bespoke & Larger Corporate Finance
When does a bespoke structure make sense?
Larger and more complex requirements rarely come from one lender on one set of terms. We combine facilities so that each part of the business is funded by the lender best suited to it.
Senior debt for the core borrowing, asset-based lending against debtors and stock, and mezzanine or unitranche to close the gap, documented so the lenders rank and work together.
Funding across several trading companies, holding structures or jurisdictions, with security, guarantees and covenants arranged at the right level of the group.
Large acquisitions, refinances with a hard deadline or opportunities that need certainty of funding fast. We run lenders in parallel so the timetable holds.
Healthcare, hospitality, renewables, education, professional services and other sectors where general lenders are cautious and specialists price better.
How a bespoke facility comes together
Discovery call
Lender terms provided
Funds issued
What lenders look at
Senior debt, asset-based lending or mezzanine?
*Indicative only. Structures, pricing and terms depend on the lenders, the group and the transaction.
Discuss a larger requirement
Tell us about the business, the amount and the situation, and one of our senior corporate finance advisers will call you back, usually the same working day.
Client Testimonials
Bespoke Corporate Finance FAQs
We structure bespoke facilities from £5m to £25m+. Multi-lender structures come into their own for larger or more complex requirements; where a single facility from one lender does the job, we will say so.
Larger requirements are often better served by combining lenders that each specialise in one type of security or risk: a bank for senior debt, an asset-based lender for debtors and stock, a debt fund for the mezzanine layer. The blend lowers the overall cost and increases the total available.
A facility secured on specific asset classes, such as debtors, stock, plant and property, each with its own advance rate. The facility grows and shrinks with the asset base, which suits asset-heavy or fast-growing businesses.
Cash flow lending that sits behind senior debt, or replaces senior and mezzanine with a single blended facility. It carries fewer covenants and a higher cost, and is used to reach leverage that senior lenders alone will not provide, typically for acquisitions and buyouts.
Audited accounts, monthly management information, a detailed forecast model and a clear picture of the group structure. We prepare an information memorandum and run a structured process so that lenders receive consistent, complete information.
We run the lenders in parallel to a single timetable, negotiate terms on your behalf and coordinate the intercreditor arrangements that set out how the lenders rank and interact. You deal with one adviser throughout.
Typically eight to sixteen weeks from engagement to drawdown, depending on the number of lenders, the due diligence required and the complexity of the group. Time-critical transactions can be accelerated when the information is ready.
Have More Questions?
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Why Ramsay & White?
Ramsay & White Corporate Finance is a trading name of Ramsay & White Corporate Finance Ltd, which is an Appointed Representative of New Leaf Distribution Ltd, authorised and regulated by the Financial Conduct Authority, FCA number 460421. Ramsay & White Corporate Finance is a credit broker and not a lender. We work with a panel of lenders to find you a potentially suitable arrangement for consideration. ICO registration ZC246341, which you can check via www.ico.org.uk. Registered address: 7 Soundwell Road, Staple Hill, Bristol, United Kingdom, BS16 4QG. Registered in England & Wales. Registration number: 17450526.
We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the application). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.