Corporate & Business Finance

Private Debt & Credit Funds

Strategic Lending Solutions for UK Businesses and Investors.

Specialist debt solutions for businesses and property investors who need lending that adapts to their circumstances. 

Private debt and credit funds have become an important part of the UK lending market. They offer borrowers flexible structures, faster decision-making and the ability to secure finance when traditional routes are too restrictive. Many of our clients turn to private credit when they require funding that reflects their business model, asset base or long-term plans. 

At Empire Global Finance, we help borrowers access these lenders and navigate what can be a complex and varied market. Our role is to structure the case clearly, identify the most suitable funds and negotiate terms that support the borrower’s goals. 

Corporate & Strategic Finance Advisory

Businesses often reach a point where traditional lending no longer matches their needs. Changing revenue patterns, planned expansion, working capital pressures or the desire to refinance existing facilities can require a more flexible approach. 

Private debt funds can support: 

  • Growth finance 
  • Acquisition funding 
  • Recapitalisations 
  • Refinancing of existing arrangements
  • Restructuring plans 

We assess the company’s position, understand the underlying financial story and match the requirement with lenders who are prepared to take a detailed, case-by-case approach rather than relying on rigid criteria. Our advisory role keeps the process organised and ensures the structure supports both immediate objectives and long-term plans. 

Lending Solutions & Real Estate Finance

Private credit funds are active across commercial and residential real estate. Their ability to evaluate complex ownership structures, mixed income streams and time-sensitive opportunities makes them well suited to borrowers who need a more adaptable solution. 

We assist clients with: 

  • Acquisition finance.
  • Development and refurbishment funding.
  • Refinance of mature facilities.
  • Bridging and transitional finance.
  • Specialist and asset-led structures.

Our job is to prepare the information lenders need, anticipate their questions and guide the case through to completion with clear communication at each stage. 

Working Capital & Receivables Finance

Many businesses require facilities that release liquidity tied up in operations. Private debt funds offer structures that can be tailored to the flow of the business rather than fixed templates. 

Solutions include: 

  • Working capital lines 
  • Receivables and invoice finance 
  • Revolving credit facilities 
  • Trade and supply-chain funding 

We help clients present cash-flow patterns, customer concentration, contract structures and financial forecasts in a way lenders can assess with confidence. 

Financial Restructuring

Some borrowers turn to private credit as part of a wider restructuring strategy. These lenders can consider assets, cash flow and long-term viability in greater depth, giving businesses a route to stabilise or reposition their financial commitments. 

Empire Global Finance works with clients to identify workable options, prepare the restructuring proposal and approach lenders who have the appetite to engage. This keeps the process controlled and reduces the risk of delays that typically arise in more complex situations. 

Access to Credit Funds for Borrowers

Our clients benefit from access to a broad network of private debt and credit funds across the UK and internationally. These lenders approach each case manually, placing value on clarity, accurate presentation and an understanding of the borrower’s aims. 

Our role includes: 

  • Identifying suitable lenders 
  • Preparing financial and structural documentation 
  • Explaining the case in a format credit teams recognise 
  • Coordinating valuation, legal and due-diligence stages 
  • Negotiating terms that work in practice 

We stay involved throughout the entire process to ensure the application moves smoothly and remains aligned with the borrower’s objectives. 

Why Borrowers Choose Private Credit

Private credit appeals to borrowers who require a facility that reflects real-world circumstances. Common advantages include: 

  • Flexibility around income structures 
  • Ability to incorporate multiple assets 
  • Capacity for larger or more complex loan sizes 
  • Faster decisions when timing is essential 
  • Facility structures aligned with growth or exit plans 

These lenders assess cases in more depth, which allows borrowers to secure funding that matches the realities of their business or property strategy. 

How We Support Our Clients

Empire Global Finance is not a lender. We act as professional advisers, guiding borrowers through the options available and preparing each case in a way that strengthens engagement with private debt funds. 

Our involvement ensures: 

  • The financial story is clear 
  • Lender expectations are met from the outset 
  • Unnecessary delays are avoided 
  • Terms are negotiated constructively 
  • The final structure works with long-term plans 

This gives borrowers a more predictable route to securing the finance they need. 

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