Working capital, invoice finance, asset finance, term loans and acquisition funding - for UK owner-managed businesses that have somewhere to be.
No lender's product shelf, no one-size application. We start from what the money is for and how it comes back - then go to the right lender first, not every lender at once.
The debt that buys a business - structured alongside our own M&A team, with short-term money bridging to the long-term facility when the seller's deadline demands it.
Buy the company you already run. Funded against its own cash flows, often alongside deferred consideration agreed with the seller.
Close the gap between doing the work and being paid for it - sized to the contract, without giving away control of your ledger.
Machinery, vehicles and kit put to work while they pay for themselves - terms matched to the asset's working life.
Facilities that no longer fit the business they fund - repriced, re-covenanted or replaced, including the conversations that feel awkward with your own bank.
Most declined applications fail on presentation, not on the borrower. We package your case so the answer to a lender's question is already in the file, then put it in front of lenders who know a rival is reading the same pages. Terms sharpen when the market is made to compete.
Some of the many lending partners we work with
Our clients typically borrow between £50k and £10m across working capital, invoice finance, asset finance and acquisition debt. Below that a direct application usually serves you fine; above it, we would still take the call.
Asset and invoice finance can complete in days once documents are in. Term loans and acquisition debt typically take four to eight weeks. If a deadline is tight, short-term facilities can bridge while the main facility completes.
Filed and management accounts, an aged debtor book, bank statements, and a clear story for what the money does and how it comes back. Most declined applications fail on presentation, not on the borrower - our job is to make the file answer the questions before they are asked.
No. A high street decline says as much about that bank's current appetite as about your business. We re-read the case the way a credit committee reads it, fix what triggered the no, and take it to lenders whose appetite fits. A decline is information, not a verdict.
Often, for owner-managed businesses - but guarantees have moving parts: caps, expiry conditions, insurance behind them. These are negotiable at the start of a deal and rarely at the end, so we raise it in the first conversation, not the last one.
We are debt advisers and commercial finance brokers, not tied to any lender, and a member of the NACFB. We are not a lender and we do not work for any bank. We agree the fee at the start, bring back indicative terms, and you decide whether to proceed.
dns Corporate Advisory acts as a commercial finance broker, not a lender. Lending is always subject to status and lender criteria.
Tell us about the deal. We reply within one working day.
Get in Touchaman@dnsassociates.co.uk
+44 (0)20 8903 6330
Linen Hall, Suite 304, 162–168 Regent Street, London W1B 5TB
