Access Private Credit. Capital that works the right way for your business.

Private credit refers to non-bank lending, typically by institutional investors or private credit funds, that provides tailored debt solutions directly to businesses. Unlike traditional bank loans, private credit is often more flexible in structure, covenants, and repayment terms. These deals are usually customized, faster to close, and involve direct negotiation between borrower and lender.

Private credit is especially useful when banks are constrained by regulatory requirements or risk appetite. It’s an alternative that can better align with the specific needs, timing, and growth objectives of lower middle market or scaling businesses.

When evaluating a private credit opportunity, key factors include the structure and terms of the deal, including covenants, amortisation, and repayment flexibility. Assess the cost of capital, weighing interest rates and fees against alternatives. Consider the speed and certainty of execution, especially for time-sensitive needs.

Analyse the lender’s track record, alignment with your strategic goals, and flexibility in potential future scenarios. Evaluate your current capital structure, financing needs, and existing covenants to align with the right lender and structure, especially for specific purposes like M&A. Robust financial modeling ensures informed decisions that support growth, preserve control, and optimize long-term strategy.

Private credit transactions can often close faster than traditional bank loans, typically within 4 to 8 weeks, depending on deal complexity and readiness of information. Advisory firms help expedite the process by preparing financial materials, running competitive lender outreach, and managing diligence. Speed can be especially important for businesses pursuing acquisitions or facing time-sensitive opportunities.

While institutional lenders still require detailed financials, the absence of strict regulatory processes allows for quicker negotiation and execution. Early preparation—such as having clear financial models and use-of-proceeds documentation—can significantly reduce closing timelines and improve the likelihood of securing optimal terms.

You could — and in some cases, traditional financing is the right fit. But here’s what you’re likely to run into: rigid underwriting criteria, slower timelines, and limited flexibility when it comes to structuring the deal around your unique needs. Banks are typically focused on box-checking — credit scores, ratios, historical performance — and if you fall even slightly outside that box, the process becomes painful or even impossible. 

Private credit, on the other hand, is designed for situations where speed, customization, or complexity are at play. Whether you're going through a transitional phase, pursuing an acquisition, dealing with a one-time liquidity need, or just don’t fit the traditional mold, private credit gives you options that banks either can’t or won’t offer. It’s not just about the capital — it’s about structuring that capital in a way that actually supports your business strategy rather than constraining it 

And while sometimes private credit might come at a higher price point, you're paying for access, speed, and strategic flexibility — things that can ultimately drive much greater value than the marginal cost difference. You’re not just getting funding — you’re getting a partner who understands your situation, can tailor a solution to fit it, and can execute quickly with minimal friction. 

So if your situation calls for more than a cookie-cutter solution, private credit isn’t just a viable option — it’s likely your best one. 

It’s a fair question — and sure, you could try to go it alone or rely on your current lender or accountant. But here’s the reality: most borrowers don’t have the specialized expertise or market visibility needed to truly optimize a credit deal. Lenders are naturally incentivized to sell you their own products, and while accountants are great at managing financial reporting and tax strategy, they’re not specialists in credit structuring or lender negotiations. For time-constrained executives, the advisory firm handles the heavy lifting—allowing management to stay focused on running the business while securing strategic funding.

What sets a private credit advisory firm apart is not just our depth of expertise — it's also the strength of our network and the breadth of our experience. We live and breathe credit markets. We know which lenders are actively deploying capital, what kinds of structures are being done in the market today, and what terms are truly negotiable. That means we can position your deal more strategically, anticipate roadblocks before they arise, and bring you options you likely wouldn’t even know existed.

Beyond that, we have relationships with a wide range of lenders, from traditional banks to private credit funds, specialty finance firms, and alternative capital providers. That gives us leverage — not just in terms of options, but in terms of credibility. When we bring a deal to the table, it comes with a level of diligence and packaging that lenders respect, which typically translates into stronger terms and faster execution.

So yes, you can try to go with someone cheaper or figure it out internally — but what you’re likely to miss is the clarity, leverage, and results that come from having a true advocate with specialized knowledge and deep market access on your side.

You could go with a broker or typical capital advisory firm — and for more conventional deals, that might be sufficient. But if you're looking for the best possible structure, terms, and access to capital that’s truly aligned with your business, there’s a major difference between, on the one hand, brokers and most capital advisory firms and, on the other, a private credit advisory specialist with a global network.

Many capital advisory firms often work within a narrow pool of lenders, usually regional banks or local institutions. That means your options are limited to what's available in their network — not necessarily what’s best for your situation.

Brokers may still only have a national pool of lenders to choose from, but even when they have a broader international network, they are unlikely to have the expertise to truly understand the nuances of structuring complex credit solutions. They often lack the technical know-how to negotiate bespoke terms, build innovative capital stacks, or anticipate lender sensitivities in a way that protects the borrower.

Private credit requires a deep understanding of market dynamics, structuring flexibility, and creative problem-solving — things most brokers and generalist capital advisory firms simply aren’t equipped to deliver. As a result, borrowers working without a specialised private credit expert often end up with suboptimal terms, overly rigid structures, or missed opportunities altogether.

A private credit advisor with a global network, on the other hand, opens the door to a much broader range of capital sources — private debt funds, direct lenders, specialty finance platforms, and international institutions that may be more aggressive, more flexible, or more strategic in how they deploy capital. That matters especially if your deal is nuanced, time-sensitive, cross-border, or outside the scope of traditional underwriting.

More importantly, a globally-connected specialist can tailor your financing solution — not just find a lender, but structure the right deal with the right partner, in the right jurisdiction, at the right time. So yes, you can go with someone less specialized. But what you’re likely to miss is the expanded access, global perspective, and customized execution that only comes from a specialist firm with deep, international credit market connectivity.