Short-term ethical funding solutions for global impact-driven SMEs
Our targeted mandate:
- Profitable, established small and medium-sized businesses
- Business operating in emerging markets or minority/under-served founders (e.g., migrant, women) in developed markets
- 30 days to 12 months terms (with option to extend)
- Any business except retail/hospitality/property/infrastructure
Our SME Funding Solutions
Working Capital
Flexible working capital funding secured by business assets and receivables.
Equipment Finance
Equipment and asset finance secured against equipment and physical assets.
Funding to Funders
Warehouse or channel funding for emerging non-bank funders to SME and microfinance clients.
Bespoke Solutions
Ethical funding solutions for bespoke requirements including unique assets, intellectual property and complex settings.
Why we’re different
Ethical Structuring
Ensuring all funding structures are non-interest based and align with ethical financing principles.
Diligence
Comprehensive internal credit, corporate and ethics expertise to assess and structure SME funding requirements.
Transparency
Straightforward pricing and legal terms to ensure genuine alignment on mutual commercial and social success for SMEs and our investors.
Non-Dilutive
Structuring short-term funding solutions without any equity or equity upside.
Funding Parameters
| Feature | Parameter |
|---|---|
| Business time span | operating ≥3 years and profitable ≥ 1 year |
| Funding amount | $200k – $2M |
| Geography | Global except countries with geopolitical risk, high currency volatility. Australia and New Zealand prioritised |
| Currency | Major currencies (SGD, USD, GBP, EUR) AUD prioritised |
| Income / Profit payments | Monthly, quarterly or bullet |
| Security / Collateral | 1st ranking security over cash flow and / or business assets Director guarantee Associated entity guarantee |
| Use of funds | Growth, working capital, asset finance, equity release, refinancing |
| Funding type | Term funding, progress drawdowns, bridging finance, asset-backed funding, financial leases, restricted project and general business profit-sharing |
| Funding term | 30 days to 12 months terms (with option to extend) |
| Sector | Agnostic except retail / hospitality / property / infrastructure |
| Capital structure | Senior, subordinated |
| Loan to value ratio (LVR) | Up to 90% (flexible) |
Recent SME Funding Case Studies
Term Funding Facility
- Growth facility for 12 months
- Technology consulting services
- Drawdown of initial tranche
Working Capital
- Working capital facility for 12 months
- Energy efficient hot water units distributor
- Drawdown to pay equipment supplier and installer with 8-week rolling tranches
Investee Spotlight
Funding Requirement