Fresh Thinking Capital (FTC) is a short to medium-term secured lender, established to support you and your businesses when you need funding the most. We understand that not every opportunity meets the standard, structured lending criteria. So, we work closely with your business to provide tailored support that meets your unique needs or circumstances. We take the time to learn exactly how your world works. During every step of the process, we will provide expert advice and guidance, ensuring you have the right funding at the right time. By investing in long-term relationships in this way, we aim to be your trusted advisor.
How Does It Work?
So, how does it work? Our business and credit decisions are all made in-house by those that own the business, who have themselves owned, bought and sold their own businesses before. This experience allows them to appreciate that things do not always go according to plan and, equally, how important it is to be supportive when that happens.
Why Work With Fresh Thinking Capital?
Find out how you can benefit from our:
£200,000 – £2,000,000
Between 1 -24 Months
Transparent & Simple Charging Structure
Our Experienced Team
Together, our expert team has over 90 years of experience in the business funding world. Having worked in private equity, banking, corporate finance, accountancy, restructuring and lending, our directors can understand businesses and situations very quickly. From buying and selling companies to raising their own finance, they have enjoyed numerous successes during their careers. As a result, they have developed a specific skill set and perspective that leaves them perfectly placed to support you in debt funding. We are experienced, we are effective, and we stick to our decisions, so you can have the support you need in a timely manner.
Marie brings a wealth of experience having spent over 30 years working within RBS Group supporting and working with SME’s across various specialist and generalist sectors, at both Relationship and Leadership level.Find Out More
Proactive In-House Credit Process
Our credit process is delivered in-house using our experienced team. We also have our own committed funds. So, when you contact FTC, you are speaking directly to the people making the lending decisions, with no automated risk scoring involved.
Working in this way, we can get under the skin of your business and ensure we get to know all our clients on a personal level. This depth of understanding, combined with our experience in the industry, enables us to provide the solution-driven service that you and your business deserve.
As a supportive lender, we will work closely with you to advise and assist you through the good times and the bad. Whether we are delivering initial due diligence or ongoing support, we understand the complexities and nuances involved, and we do our utmost to protect you. We are open, honest and act with integrity. We value the relationships that we create and will always do what is best for you, given your own circumstances.
Fast, Streamlined Legal Process For Quick Completion
We have established a panel of market-leading lawyers who have created a process for completion that can be delivered in as little as three days.
From day one, the close relationship we foster with you and your business will grow and develop. With a focus on the future, we will help to support your decisions and ambitions through progressive, forward-thinking debt solutions.
We work closely with the professional community, who are happy to refer businesses to us thanks to our track record of excellent service and reliability in completing deals. Our team works collaboratively with all parties to ensure that clients are supported throughout the deal process.
What Our Clients Say
The flexibility shown by Fresh Thinking allowed me to refinance the business with a more mainstream facility saving a significant cost enabling the business to grow. Fresh Thinking provided a top up facility which was tailored to the needs of the business which was a refreshing approach.
Having had a difficult couple of years trading the relationship with the bank became strained and it was an enjoyable experience to deal with FTC. The business had working capital facilities of circa £12m with the bank which were continually being reviewed and monitored and in some cases were reduced placing pressure on the cash flow. The business required £750,000 of funds quickly to ensure the support continued from the bank. When I was introduced to FTC by our accountant the bank became much more relaxed as they had worked with them previously and this allowed sufficient time to complete the turnaround of the business and subsequently refinance to another bank.
In this day and age most funders run a mile when you mention administration and prepacks. Without FTC I would have lost everything and I will be forever grateful for the support they gave me at a time when I most needed it. The business is now on a stable footing and I can look forward to the future with confidence.
Until I met the team at FTC I was not aware this type of funding existed. It has been an ongoing frustration speaking to many lenders who are restricted in the funding they can provide and speed at which they operate. It was a pleasure to deal with a lender who was flexible and delivered in a tight timetable allowing the business to complete an excellent acquisition.
Working with Fresh Thinking allowed me to move at speed and acquire the site. I took advantage of the opportunity to buy at a discount due to the speed they could move. Further value was added when I obtained planning permission. The value has since increased even further and I have agreed the sale of the site on a deferred arrangement receiving proceeds on a plot by plot basis. FTC agreed to work with me on the deferred payment structure with the uplift more than paying for the funding and deal costs for the full term of the loan.
I was impressed with the speed at which FTC delivered the loan. From providing the terms to final drawdown it was a nine working day process which ensured the purchase of the land completed in a tight timeframe. In the current funding world everything seems to take longer and longer and this is a major restriction to all businesses.
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