Funding for your clients without the runaround.
We work with advisers and brokers to provide straightforward business loans for ambitious UK SMEs. Quickly understand where your client fits, speak directly to our team and get a clear answer.
Why us?
- Loans up to £2million
- Direct access to decision-makers
- Straightforward lending criteria
- Co-investment options
| Loan size | Loans up to £2million |
|---|---|
| Type of business | Established and growing SMEs |
| Purpose | Growth and working capital |
| Regions funded | Across the North and the Midlands, with a focus on Yorkshire and the Humber and the Midlands |
| Trading history | 3+ years |
| Sectors | Typically, any sector considered |
Know where your clients stand before you refer
A straightforward route
Why advisers work with Mercia
A dedicated investment team member from introduction to funding
Why we are different
- A quick view on fit
Know early whether an opportunity is worth progressing. - People you can speak to
Direct access to an experienced lending team rather than an anonymous process - Clear communication
We’ll keep you informed so you know where your client’s application stands. - Your relationship respected
Your client remains your client. We work alongside you to get the right outcome.
How it works
- Check the fit
Review our criteria or speak to us directly about the opportunity. - Introduce your client
Send us the key information we need to assess the enquiry. - Speak to a lender
We’ll review the opportunity and come back with a clear view. - Progress the deal
If it’s a fit, we’ll work with you and your client through to completion.
a human approach
Speak to someone who understands the deal
Sometimes it’s easier to have a conversation. Our experienced lending team works directly with advisers and brokers and can quickly help you understand whether an opportunity is right for Mercia Business Loans.
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Everything you need in one place
mercia funding options
Looking for something different?
Through the wider Mercia Asset Management PLC Group, we may also be able to support businesses looking for different types or larger amounts of funding.
Businesses making their next move
Latest news
Stories, insights and the latest from businesses we back.
Case Studies
The opportunity
Play Padel Group
Mercia provided £1.2 million to Sheffield-based Play Padel Group to support the fit-out of new premises and provide working capital for growth.
Location:
Sheffield
Sector:
Lifestyle & leisure
Loan amount:
£1.2million
Reason:
Premises fit-out & working capital
Lazenby Group
Hull-based manufacturer Lazenby Group secured £650,000 from Mercia to support the expansion of its existing premises.
Location:
Hull
Sector:
Manufacturing
Loan amount:
£650,000
Reason:
Expansion of current premises
Fitness Worx
Fitness Worx has received £940,000 across three Mercia Business Loans to support the purchase of new premises in Rugby, Coventry and Solihull.
Location:
Rugby, Coventry & Solihull
Sector:
Lifestyle & leisure
Loan amount:
£940,000 (3 loans)
Reason:
Purchase of new premises
Attic Brew Co
Location:
Birmingham
Sector:
Food & drink
Reason:
Acquisition of new premises
Change Accountants
York-based Change Accountants used Mercia funding to support the acquisition of another business.
Location:
York
Sector:
Financial
Reason:
Acquisition of a business
GW Power
Hull-based engineering and renewables business GW Power secured a £500,000 Mercia Business Loan to support its move into larger premises.
Location:
Hull
Sector:
Engineering & renewables
Loan amount:
£500,000
Reason:
New larger premises
Got a deal in mind?
You don’t need to complete a lengthy application to find out whether we can help. Tell us a little about your client and we’ll give you an initial view.
Frequently Asked Questions
Mercia Business Loans supports growing and established SMEs across the West Midlands, Yorkshire and the Humber with funding from £100,000 to £2million, helping ambitious management teams with their growth plans.
Frontier Development Capital is part of Mercia Asset Management PLC and deploys the Midlands Engine Investment Fund II (MEIF II) to established SME businesses, offering business loans between £100,000 and £2million.
Mercia Business Loans deploys across the West Midlands, Yorkshire and the Humber regions via the Northern Powerhouse Investment Fund (NPIF II) and the Midlands Engine Investment Fund II (MEIF II) funds respectively.
The funding can be used in a variety of different ways including working capital, recruiting new teams, launching a new product or service, new larger premises, purchasing new machinery and equipment, acquisitions, and supporting share transactions such as management buyouts and management buy-ins (the latter by exception).
You can’t use the funding to refinance existing borrowing.
At Mercia Business Loans, we take a commercial view at any transaction and will consider this as part of our overall assessment. Our investment decisions are made in person by an Investment Manager and very experienced business lenders, and our decisions are made on a case-by-case basis.
You can contact us through our application form here (insert link) or by emailing marketing@mercia.co.uk