Debt and capital advisory for UK firms
Raise finance without guesswork. Build a lender-ready case and secure sensible terms through independent debt and capital advice.
Capital with direction.
IFA sector specialism
Recurring revenue, client retention, adviser capacity and regulatory change determine what an advice firm can borrow.
We turn those drivers into decision-grade MI, defendable forecasts and a capital pack lenders can approve. Use the funding for acquisitions, succession, shareholder exits or organic growth.
Explore wealth management finance
We have sat on the lender’s side of the table. We know which questions arrive next — and prepare the answers before they do.
Ways to engage
Start with the pressure that is most acute. Every engagement opens with a diagnostic — we will tell you plainly if we can help.
From first lender conversation to completion, with a lender-ready capital pack and terms compared on a consistent basis.
A 90-day financial reset bundled with the raise, so the infrastructure scales with the business.
Ongoing financial leadership, lender management and board-ready reporting without a full-time hire.
Sector coverage
Cashflow lending can support adviser recruitment, client-book acquisitions, shareholder exits and succession. We translate recurring revenue and retention into a lender-ready credit story.
How we work
We diagnose. We build. We execute. No hand-off after the report.
Assess the business against what credit scrutinises — MI, cash conversion, forecast quality, leverage and integration track record.
Create the lender-ready capital pack: decision-grade MI, defendable forecasts, unit economics and pre-answered Q&A.
Run the funding process end-to-end — lender selection, negotiation, completion and the relationship beyond.
Decision-grade insight
Specific guidance on cashflow finance, credit preparation and funding structures.
Common funding questions
Cashflow finance is business funding structured around cash a company generates or expects to generate. It includes working capital loans, revolving credit, invoice finance and other debt facilities.
Yes. Wealth managers, IFAs and advice firms may use acquisition finance for client books, succession or management buyouts, subject to underwriting and regulatory considerations.
Timing depends on the product, the quality of information and transaction complexity. A complete funding pack and clear forecast make assessment more efficient.
Expect recent management accounts, filed accounts, bank statements, forecasts, existing debt details and a clear explanation of the funding purpose.
Choose your route
Choose a 15-minute meeting if you are ready to talk, or send the finance brief and we will respond within one working day.
Book the growth funding call directly through Cal.com.
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