Providing loans to smooth cashflow and reduce equity dilution

Finstock Capital provides UK based SMEs with an alternative route to finance. We offer a besoke solution, lending between £100k to £5m across all sectors but mainly focused in the early-stage ecosystem.

Founded in 2017, we set up with the aim to get access to capital for founders which became unavailable post the 2007/8 financial crash. We noticed banks were unable to lend to smaller businesses due to the perceived riskier nature of the businesses and the newly formed ‘challenger’ banks were looking at more of the vanilla type asset backed loans.

We take a practical look to the routes to repayments, initially focussing on UK tax credits and now taking a fresh perspective on the full debtor position as well as asset base. A breakdown of examples is below:

• Tax credit lending, including R&D, Film, Theatre, High End TV, Games and Animation

• Video Game receivables, including project finance, platform agreements or milestone payments

• Specialist finance, including M&A transactions, significant invoice finance, VAT bridges and venture debt.