Funding and investment

Funding and transaction advice for specialty finance

Commercial due diligence, transaction support and debt and equity raising, grounded in first-hand experience of specialty finance.

Whether you are assessing an acquisition, preparing for a sale or securing capital for growth, we help you understand the business, its portfolio and its funding requirements, and work with you through the process.

When we can help

You are considering an acquisition or investment in a specialty finance business or portfolio.
You are assessing a funding proposal and need a sector-specific view of the business and its portfolio.
You are preparing for a sale, funding event or strategic review.

Your growth plans need additional capital, a refinancing or a first institutional raise.

Understanding the business behind the portfolio

Portfolio performance, origination quality, servicing capability and funding terms all influence the value of a specialty finance business. They also affect its capacity to grow.

We examine those connections: how performance changes as the portfolio matures, where concentrations and arrears need closer attention, and what the funding arrangements mean for the proposed transaction.

Commercial due diligence grounded in sector experience

We assess specialty finance businesses and portfolios for buyers, investors and funders. Our work considers the commercial model, portfolio performance and the operation supporting it, alongside funding arrangements such as block discounting, forward flow and securitisation.

We explain what the findings mean for the proposed investment or funding decision, including the assumptions that need testing and the issues that require further attention.

Experience within the sector

Assessment informed by first-hand experience of specialty finance businesses

Portfolio performance and risk

Scrutiny of seasonality, concentrations, arrears and yield

Funding arrangements

What the structure and terms mean for the business and the transaction.

Findings you can act on

Clear implications for buyers, investors, funders and investment committees.

Where diligence identifies operational or technology improvements, we can also help your team put them into practice after completion.

Operational and digital transformation →

Support around the transaction

Transaction support and preparation

Prepare for the questions a buyer or funder will ask

We help prepare the information, explain the business’s performance and manage the process ahead of a sale, funding round or strategic review.

Discuss your plans →

Debt and equity raising

Capital to support your growth plans

We support debt facilities shaped around the portfolio and growth plan, and equity raising built on a clear investment case, from preparation through to completion.

Discuss your plans →

Specialist structuring

Support for more complex funding requirements

Balance-sheet restructuring, securitisation support and structured and investment-fund placement, delivered with D3T Capital. Finativ leads the relationship.

 

Discuss your plans →

Sector experience, on both sides of the table

Christian Roelofs

Capital raising and due diligence
Chartered Accountant. Capital raising and due diligence at Macquarie and Grant Thornton; former MD of Datatec Financial Services. Roles on both sides of debt raisings.

Roger Skinner

45+ years in asset-based finance
More than 50 completed M&A transactions on both buy- and sell-side. Built and sold Maxxia. FCA-approved (SMF1). 
Finativ was instrumental in preparing our finance function for scale. They rebuilt our financial statements, set up strong processes, trained our team, and helped us hire top talent. 

Their deep expertise and hands-on support made a real difference. 

A great partner for any business looking to scale with confidence.
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Karl Gilbert
Co-founder & CEO, Raylo Group Limited

Discuss your funding or transaction plans

Tell us what you are considering and where you would value support. A member of the team will be in touch to arrange a conversation.
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