Private Debt
Private Debt – Strategic debt Solutions for Growth
Securing non-dilutive funding is often essential for businesses seeking to scale while maintaining ownership and operational control. At Synergy Capital Group, we specialise in structuring tailored commercial debt solutions for established businesses across the UK, helping them access capital efficiently, competitively, and with confidence. Whether you are expanding operations, investing in technology, or managing working capital requirements, our approach is focused on unlocking value through well-matched lending strategies — without compromising equity or independence.
01
Business Review & Funding Objectives
We begin by conducting a detailed assessment of your business model, financial performance, capital structure, and strategic objectives. This allows us to clearly define:
- The optimal funding requirement based on your growth plans.
- The most appropriate financing structure — whether term loan, revolving facility, asset-backed line, or invoice finance.
- Key credit strengths to highlight during lender engagement.
We position your funding request in a manner that reflects lender criteria while maintaining alignment with your long-term commercial goals.
02
Financial Recasting & Investor Preparation
To support a successful lender engagement process, we prepare your financial documentation to meet institutional standards and clearly articulate creditworthiness.
This includes:
- Recasting historical financials to highlight recurring revenue and EBITDA quality.
- Developing forward-looking cash flow forecasts that align with debt service coverage expectations.
- Crafting a compelling credit narrative, tailored for different lender categories — including banks, non-bank lenders, and specialist finance institutions.
Our involvement at this stage is key to maximising credibility and accelerating time-to-term sheet.
03
Investor Identification & Market Engagement
We leverage our extensive network of debt investors across the UK to run a controlled, competitive process. These include:
- Private investors and familiy offices.
- Specialist debt funds and alternative finance providers
- Government-backed development institutions (where relevant)
Each lendor has unique sector preferences, credit appetites, and structural expectations. We align your proposal to the right audiences, ensuring that engagement is targeted and efficient.
Our team manages lender outreach, RFI responses, and coordinates Q&A throughout the process to maintain momentum and ensure consistent messaging.
04
Term Sheet Negotiation
Once interest has been secured, we manage the negotiation of term sheets with a focus on securing optimal terms, including:
- Competitive interest rates and fee structures
- Favourable covenants and repayment flexibility
- Minimal security requirements or collateral constraints
Where multiple offers are received, we create a comparative assessment matrix to support executive decision-making — ensuring the chosen structure aligns with both financial performance and risk appetite.
Our team’s experience with lender-specific terms and sensitivities often proves decisive in securing preferential outcomes.
05
Legal Documentation & Completion
Following acceptance of a term sheet, the transaction progresses to documentation and legal due diligence. We remain hands-on throughout this phase, working closely with your legal counsel to:
- Review and negotiate facility agreements, intercreditor deeds, and security documentation
- Support the completion of lender conditions precedent and due diligence checklists
- Coordinate timelines across all stakeholders to ensure timely drawdown
Where needed, we are happy to recommend UK law firms with specialist experience in commercial finance transactions.
06
Post-Completion Support
Beyond deal close, we remain available to support treasury planning, repayment strategy, and ongoing lender relationship management. This ensures the funding is used effectively, reporting obligations are met, and your business remains well-positioned for future capital needs.
Synergy Capital Group provides more than access to capital — we deliver clarity, control, and the confidence to grow on your terms. Our structured commercial finance process helps UK businesses secure the funding they need without compromising ownership, strategy, or ambition.