Moss Capital

Specialist equity and debt financing for ambitious UK businesses.

Every business is different. We take the time to understand yours before we put a price on it.

Our position

Your business is unique. We take the time to understand it.

Traditional lenders deal in generalities. What is the turnover? How long have you been trading? Easy to score, and they miss almost everything that matters.

We look at the plan, the cash flow and the balance sheet, then price from what we find. If we are not the right people, we will help you find someone who is.

We would rather lose the deal than price a business we have not understood.

What we arrange

Two kinds of capital, specific to your needs.

Debt

For businesses already trading, where the cash flow carries the facility and the purpose is clear.

  • Established trading businesses
  • Demonstrable, current cash flow
  • A specific purpose for the funds
  • Growth and acquisition funding
  • Not early-stage lending

Equity

Investment in your business when it makes sense — to support growth or prepare for the future.

  • Experienced professionals backing something new
  • Startups with genuine promise
  • Growth and expansion capital
  • Acquisitions and buy-and-build
  • Minority investment alongside management

How we assess

We assess on the five Cs, and we weigh them together.

The same five whether we are lending or investing. None means much alone; together they describe a company properly.

Cash flow

What moves through the business, and whether it supports the plan.

Character

The company's track record, and the people running it.

Conditions

The market it trades into, and what is happening in it.

Capital

What has already been put in, and by whom.

Collateral

What stands behind the money if the plan does not hold.

Who we work with

Across the United Kingdom, at the stage where capital has impact.

Equity and debt suit different companies at different points.

An engineer working at a laptop beside a production line

Equity investment

Experienced professionals backing something new, promising startups, and companies growing or acquiring.

Racked pallets in a distribution warehouse

Debt facilities

Trading companies with good cash flow and a clear purpose. Not early-stage.

Two people working through figures on paper beside laptops

Current information

We ask for recent bank statements. Filed accounts describe a company as it was a year ago.

Speak to us

Get in touch to discuss your requirements.

Tell us about the company rather than just the number you have in mind. We will get back in touch within a few days, and if we aren't the right people, we will tell you so.

equity@mosscapital.co.uk
lending@mosscapital.co.uk