We deliver financial capital solutions for businesses navigating growth, restructuring, or transformation β unlocking value where traditional banks fall short.
Funding for British companies has been extremely difficult for several years. Most UK Banks and lending institutions will only lend to businesses that have a good credit rating and a long history of trading. Trying to operate a business without adequate funding is doomed to fail.
Welcome to Sense Capital Banking Solutions.
We take a totally different approach in our lending criteria. We like to think of it as ββa common Sense approachββ. Not only will we look at distressed and underfunded companies, we also offer solutions that go beyond traditional bank lending, including specialised, high-speed capital injections and turnaround capital with revolutionary approaches such as leveraging digital assets for liquidity, and restructuring through equity investments.
Our mission
To empower entrepreneurs and enterprises with intelligent Capital Solutions at critical moments of growth, restructuring, or transformation. We combine deep industry expertise with intelligent structuring designed to protect exposure and unlock capital in a way that most Banks are unable
Through experience, insight, disciplined execution and hands-on management we can provide funding structures that support stability and accelerate performance.
Our vision
In an increasingly complex and uncertain marketplace, we will provide clarity to become the leading special-situations finance partner in the UK. We pride ourselves on navigating complexity with precision and delivering results where conventional funding falls short.
We focus on speed, clarity, and outcomes. From day one, we assess businesses with a long-term perspective.
We conduct a confidential review of your financial position, funding requirements, assets, liabilities, and commercial expectations.
Our internal team assesses risk, security, and repayment structures to ensure each transaction is viable, sustainable, and efficiently executed.
Based on your situation, we structure a clear and effective funding solution aligned with your objectives and growth strategy.
We complete documentation and provide funding efficiently, followed by ongoing strategic support.
We provide a broad range of structured capital solutions designed to support businesses at different stages β from day-to-day operations to growth, acquisitions, and transformation.
Financing secured against property, machinery, or receivables.
Short-term funding to address immediate cash flow needs.
Borrowed capital repaid over time with interest, without giving up business ownership.
Funding based on outstanding invoices to improve short-term cash flow.
Funding to support business expansion, restructuring, or entry into new markets.
Capital raised by selling a share of the business.
Financial support for buying, selling, or merging businesses.
Hybrid funding combining debt and equity, often used for growth or acquisitions.
Capital provided to start or launch a new business venture.
Financing for purchasing or upgrading machinery and operational equipment.
Funding to buy inventory or raw materials needed for operations.
To ease cashflow pressure, we are able to fund Tax & VAT deferral finance for up to three months
Leasing options for vehicles and equipment without large upfront costs.
Finance specifically for purchasing business vehicles or fleets.
Funding to cover day-to-day operational expenses and cash flow needs.
Examples of how our tailored capital solutions help businesses navigate growth, expansion, and complex funding requirements.
We generally work with incorporated business who are currently trading. However, we welcome enquiries from new business start-ups with a solid commercial proposition and more importantly an experienced management team.
We are happy to look at businesses from a wide range of sectors. Our primary thought is the sustainability of the business, the strength of the management team and the depth of experience. Following this we will look at the risk profile.
We work across a wide range of industries, including manufacturing, logistics, construction, trading, services, and property.
We try to keep this as straightforward as possible. We undertake a (KYC) Know Your Client information request which asks for all standard information relating to the applicant and the business. This can be completed manually or online.
We review all the information required and make an initial decision to proceed where appropriate. At this stage we may ask for standard additional information to support the application. Once this information has been reviewed by the risk department and has a positive outcome, the lending process is then actioned.
Whilst we are a European based business, we are specifically focused on providing a new platform and line of credit facilities and funding solutions to UK businesses.
This depends on the structure, assets, and risk profile of each transaction. We aim to minimise personal guarantees where possible.
Yes, but only in certain circumstances. We have a specialist team who deals in distressed, underperforming, and special-situation businesses, including those facing liquidity challenges or restructuring.
Absolutely yes. We regularly collaborate with banks, investors, insolvency practitioners, and corporate advisors to deliver integrated solutions where a positive outcome of intervention is predicted. Subject to approval we look to take out your existing lenders and engineer a combination of credit streams to match your requirements.