Revelle Capital

Alternative Lending

Private Debt When Banks Say No

Institutional credit outside traditional banking. Flexible terms, relationship-driven approach, for deals that don't fit the bank box.

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Alternative Lending Solutions

Private credit from institutional lenders, family offices, and credit funds. Flexible financing from £2M to £50M+ for businesses and transactions banks won't fund.

When banks decline or can't provide the leverage, speed, or flexibility you need, private debt offers an alternative. Our network of credit funds, family offices, and direct lenders provide institutional capital with a relationship-driven approach - decision-makers at the table, creative structures, and appetite for situations banks consider too complex or non-standard.

From management buyouts and growth capital to complex refinancing and transitional situations, we connect you with private debt providers who understand your requirements and move at the speed your situation demands.

Key Statistics

Facility Size
£2M - £50M+
Leverage
Up to 75%
Process Time
6-12 weeks
Minimum EBITDA
£500K+
Discuss Your Needs

Why Choose Private Debt?

Flexible institutional credit outside traditional banking

Flexible Terms

Creative structures, covenant-lite options, bespoke repayment profiles

Relationship Driven

Decision-makers at the table, partnership mentality

Speed to Close

Faster execution than banks, shorter committee processes

Complexity Comfort

Appetite for situations banks find too complex or bespoke

How It Works

Our process for arranging private debt

1

Situation Assessment

We understand your business, transaction, and why traditional lenders aren't suitable.

2

Lender Targeting

Approach private debt funds, credit funds, and family offices who fit your profile.

3

Term Sheet & Close

Negotiate terms, coordinate due diligence, and manage process to closing.

Who Is Private Debt For?

Management buyouts requiring flexible leverage
Growth companies with limited asset backing
Businesses with complex structures banks avoid
Companies in transition or turnaround
Transactions requiring speed banks can't match
Refinancing of expensive or restrictive facilities

Get Private Debt Advice

Tell us about your situation and we'll connect you with private debt providers who can deliver flexible solutions.

1
Your Requirements
2
Project Details
3
Contact Info
Secure & Confidential
24 Hour Response
No Obligation

Frequently Asked Questions

Common questions about private debt

Private debt is institutional lending outside traditional banking channels. It comes from credit funds, family offices, and direct lenders willing to provide flexible, bespoke financing for situations banks avoid - complex structures, higher leverage, growth companies, or faster execution.
Consider private debt when: banks decline or can't provide sufficient leverage, you need flexible covenant structures, timing is critical, your situation is complex or non-standard, or you value the relationship-driven approach over commodity bank pricing.
Private debt typically costs 2-6% more than bank debt (8-15% vs 3-7% bank margins). Premium reflects flexibility, speed, complexity tolerance, and relationship approach. For many situations, it's the only viable debt option.
Private lenders assess: sustainable cash generation (minimum £500K EBITDA typical), experienced management, defensible market position, clear use of proceeds, and credible equity cushion. they're more flexible on leverage and security than banks.
Private debt can close in 6-12 weeks vs 12-20 weeks for banks. Faster decision-making, fewer committees, and willingness to move quickly on quality opportunities. Some situations close even faster.
Yes, private debt works in structured capital stacks: senior debt from banks, mezzanine or unitranche from private lenders, and equity. We help structure optimal capital stacks mixing public and private capital sources.

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Need Alternative Lending Solutions?

Discuss your funding requirements with our private debt team. we'll assess your situation and connect you with appropriate lenders.

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