Arbuthnot Commercial Asset Based Lending is positioning its Growth Guarantee Scheme capability as a funding route for UK SMEs and mid-market businesses seeking additional headroom for expansion, acquisition activity, refinancing or ownership change.
The model is built around asset-based lending, using value already present within a business to support its funding needs. In practical terms, this can include invoices, stock, plant and machinery, and property. By lending against these assets, the facility is designed to release capital that may otherwise remain tied up inside the operating business. When combined with Growth Guarantee Scheme support, the structure can create additional financial capacity for companies with defined growth plans or transaction requirements.
The stated facility range of £1 million to £35 million places the offer in a part of the market that is relevant to larger SMEs, lower mid-market companies, private equity-backed businesses and advisers working on corporate transactions. Businesses at this stage often require finance that is more tailored than standard bank lending, particularly where funding needs are linked to acquisitions, management buyouts, management buy-ins, growth investment or refinancing.
Asset-based lending can be useful where cash flow, asset values and transaction timing need to be aligned carefully. Direct access to decision-makers is presented as a feature of the service, which may be relevant in deal situations where certainty, speed and responsiveness can influence whether a transaction progresses on schedule.
The lender highlights that it is backed by a strong balance sheet and is not reliant on external credit lines.
Arbuthnot Banking Group PLC (LON:ARBB), operating as Arbuthnot Latham, offers private and commercial banking products and services in the United Kingdom. Established in 1833, Arbuthnot Banking is headquartered in London, United Kingdom.
