The situation
Standard lenders exit as soon as accounts show a rough year. Specialist turnaround lenders assess the story: what happened, what's changed, what the forward numbers look like, what security is available.
How we approach it
We know the specialist turnaround market. Pricing is real (rates well above mainstream) but availability of capital during a genuine recovery beats no capital at all. Honest assessment first — some situations aren't fundable, and we'll say so.
What that looks like in practice
- Specialist turnaround lender panel
- Asset-backed structures where mainstream cashflow lending isn't available
- Sale-and-HP-back to release capital from owned kit
- Sometimes bridged short-term while trading recovers, then refinanced
- Honest 'not fundable' assessment where the situation genuinely won't work
Typical timeline
- Week 1-2Current position, story, forward plan reviewed honestly.
- Week 3-6Specialist lender application if fundable.
- Week 6-10Completion or clear 'not now' explanation.
Common questions
How recent can the difficulty be?
Some lenders can look at businesses in current difficulty; others want a demonstrable turnaround. We match to appetite.
Is it always more expensive?
Yes, materially. But capital available during recovery has a value all of its own — quantify against the alternative honestly.
What if you can't fund it?
We'll say so, clearly, and quickly. False hope wastes months you may not have. Insolvency practitioners are the right conversation if funding isn't available.
Straight talk on turnaround funding
Send the position and the plan. We'll be honest about whether specialist funding fits, or whether it doesn't.