Mercia Debt is a trading name of investment funds managed by Mercia Business Loans Limited and Frontier Development Capital Limited
Financing success
We understand the crucial roles that advisers and management teams play in securing financing solutions for businesses. Whether you’re an adviser seeking the best financing options for your clients or a management team in need of strategic funding, we offer a range of debt financing solutions tailored to your unique needs.
Celebrating 12 months of NPIF II Debt
Mercia Debt celebrates 12 months of NPIF II Debt deployment.
Through the Northern Powerhouse Investment Fund II, we have supported ambitious founders in sectors such as cyber security, agriculture, veterinary, pet food manufacturer and engineering to name a few.
Meet some of the visionaries we have supported over the past 12 months.
Learn more about Mercia Debt
Investment Manager, Andy Tyas walks you through the what, where, how and why of Mercia Debt, whilst highlighting how Mercia Debt funding can play a pivotal role in growing and scaling your SME.
Debt finance through our national SME Loans Fund
The Mercia SME Loans fund provides loans between £150,000 and £1.0million to established and growing SMEs in all sectors and across all areas of the UK, with a particular focus on the North of England. Loans are available for all purposes, including acquisitions, asset purchases, operational improvement and business development.
To qualify for these funds your business will typically have three years’ trading history, £100,000 current or anticipated operating profit and £1.0million turnover.
Mercia SME Loans is suitable for:
- SMEs located anywhere in the UK – although we are particularly keen to hear from SMEs in the North of England
- Growing businesses that can demonstrate profitability and/or strong forward cashflows.
- Businesses able to provide three years of historic accounts.
Our investment decisions are made in person by an investment manager, filling the gap where traditional banking relationships have pulled away. We are interested in your story, your vision and we will make our decision based on experience and insight, not algorithms.
A dedicated team of debt financing professionals
Our award-winning team of debt financing professionals is committed to understanding the specific requirements of advisers and management teams alike. With our extensive knowledge and experience, we guide you through the intricacies of debt financing. We work closely with you to craft financing solutions that align with your goals and help you achieve your financial objectives.
Mercia Debt case study: Thornton Park Farm
Managing Director of Thornton Park Farm, Richard Dunnett, explains how Mercia Debt’s £100,000 loan secured a further £50,000 rural grant to support the construction of five luxury glamping pods and diversify their income from farming activities.
Debt finance through Northern Powerhouse Fund II
As businesses grow, larger amounts of finance may be needed to move them to the next level. Funding might be for hiring a new team, launching a new product or service, funding marketing costs or purchasing new machinery or equipment, not forgetting the working capital need that accompanies all of those plans and growth in general. Debt finance is designed for companies that can demonstrate growth potential.
NPIF II’s finance option is designed for SMEs in Yorkshire and the Humber region that can demonstrate growth potential.
Loans start from £100,000 right up to £2million; for those businesses that need access to larger loans then one of our other Funds may be able to cater for you. Contact one of the team today to find out more.
NPIF II Debt finance is suitable for:
- SMEs located in Yorkshire & the Humber.
- Growing businesses that can demonstrate profitability and/or strong forward cashflows.
To apply for a loan, you will need to have at least two years of historic accounts available as well as access to management information and a 12-month cash flow forecast.
Our investment decisions are made in person by an investment manager, filling the gap where traditional banking relationships have pulled away. We are interested in your story, your vision and we will make our decision based on experience and insight, not algorithms.
Simplifying the financing process
We understand that the financing process can be complex and time-consuming. That’s why we strive to make it streamlined and straightforward. Our team handles the intricate details, allowing you to focus on your strategic goals. From initial assessment to deal structuring, documentation and closing, we are there every step of the way to ensure a smooth and efficient process.
Debt finance through Midlands Engine Investment Fund II
As SMEs grow, larger amounts of finance can be needed to move them to the next level. Funding might be for hiring staff, purchasing machinery, moving premises or even as working capital to finance a big order. Analysis has shown that this finance can be difficult for firms in the Midlands to access but that there is a strong level of latent demand.
MEIF II’s finance option is designed for SMEs that can demonstrate growth potential.
Loans start from £100,000 right up to £2million; for those businesses that need access to larger loans then one of our other Funds may be able to cater for you. Contact one of the team today to find out more.
MEIF II Debt finance is suitable for:
- SMEs located in the Midlands, Mercia MEIF II Debt Finance has a particular focus on investing in the West Midlands.
- Growing businesses that can demonstrate profitability and/or strong forward cashflows.
To apply for a loan, you will need to have at least two years of historic accounts available as well as access to management information and a 12-month cash flow forecast.
Our investment decisions are made in person by an investment manager, filling the gap where traditional banking relationships have pulled away. We are interested in your story, your vision and we will make our decision based on experience and insight, not algorithms.
Frontier Development Capital
Frontier Development Capital (FDC) provides flexible long-term debt funding for growth capital, shareholder transactions and property development. FDC supports established SMEs and property developers in the UK, offering debt investments between £1million and £20million.
The FDC’s mission across all of its funds, is to be at the frontier of the funding gap, pushing the boundaries of alternative lending by providing debt funding with flexible terms and supporting business growth. We strive to be a responsible long-term investment partner, pledging far more than capital when we invest in your business.
SME debt funding
Backing mid-market SME businesses across a broad spectrum of sectors, locations and transactions.
Property finance
A proven track record of property finance that kick-starts commercial, residential and speculative developments.
Capital programmes
Dedicated funds to addressing market failures to help SMEs achieve their full potential and drive innovation.
Unlock opportunity with Mercia
Partner with Mercia Debt and gain access to a trusted partner that shares your commitment to securing financial success. Our tailored solutions, industry expertise and experienced team are at your disposal, empowering you to deliver the best outcomes for your clients and your business.