BMS Finance is a relationship lender and we believe in building and maintaining a close relationship with each borrower, based on a deep understanding of their business. Our business model is based on backing businesses, in particular management teams, and we focus on both understanding their business as well as being confident that the management team can deliver on their business plan.Our lending is usually driven by a borrower’s need to fund the working capital requirement associated with a growing company, the development of new customer propositions or markets or the acquisition of assets or companies. The common element driving our lending is growth.
The key terms of our lending are:
Loans of £500,000 to £5,000,000
Fixed rate interest rates of 12-15% plus warrants
Senior secured, term loans or leases – we do not generally provide second lien or more junior loans
Financial covenants appropriate for each borrower
Although structures can be tailored appropriately for each borrower, typical lending structures include 2-5 year amortising loans for ‘cash flow / EBITDA’ lending or 2-3 year non-amortising ‘asset’ backed loans
Borrowers must be UK or Republic of Ireland based with a substantial business interest in the UK or Republic of Ireland
Businesses we lend to have certain characteristics:
Companies in growth phase which have demonstrated sales traction and good growth prospects – we do not back pre-revenue businesses
At or imminent profitability
Asset base concentrated around intangible assets such as intellectual property, know-how, customer relationships and overall enterprise value of the firm with less available security from debtor books or other tangible assets
Managed by strong, proven management teams
Sector agnostic – we predominantly see prospects in business services, software, IT, media, healthcare and financial services
World Business Year do not take any responsibility and we are not liable for any damage caused through use of products or services purchased through this website, be it indirect, special, incidental or consequential damages (including but not limited to damages for loss of business, loss of profits, interruption or the like).
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