Ten disciplines.
One capital partner.

Equipment represents one of the most versatile forms of collateral in the lending market. The challenge is identifying lenders who understand residual asset values, sector-specific depreciation curves, and the operational realities of the business acquiring the equipment. We navigate that landscape on your behalf.

We arrange equipment finance across hire purchase, finance lease, and operating lease structures — advising on the most tax-efficient and cash-flow-appropriate arrangement for each client. Our lender network spans specialist asset finance providers with deep expertise in manufacturing, construction, healthcare, aviation, and maritime equipment.

For businesses expanding their capital equipment base, we also structure sale-and-leaseback arrangements that release equity tied up in existing assets — freeing capital for reinvestment without disrupting operational continuity. Every facility is structured to reflect the useful economic life of the asset in question.

Unsecured lending is the hardest credit to place well. Without collateral, lenders rely entirely on the quality of the borrower — their trading history, revenue consistency, management strength, and sector outlook. Getting this right requires knowing which lenders have genuine appetite for unsecured risk, and presenting the borrower's case in terms those lenders understand.

Rothbury Finance facilitates unsecured business lending by preparing a detailed credit picture before approaching any lender. We identify the narrative — the trading trajectory, the use of funds, the repayment logic — and present it in a format that generates genuine appetite rather than reflexive decline.

For businesses with strong cashflow but limited fixed assets — professional services firms, technology companies, service businesses — unsecured lending is often the most appropriate solution. We identify the right lenders, negotiate terms that reflect the borrower's actual risk profile, and close facilities that the open market would not otherwise offer.

A bridge loan exists because the conventional lending market cannot always move at the pace that an opportunity demands. A property purchase at auction, a business acquisition with a closing deadline, a refinancing that must complete before an existing facility expires — these situations require capital that can be originated and drawn in days, not months.

Rothbury Finance has structured bridge facilities for private clients, property developers, and businesses across a range of urgent financing scenarios. Our lender panel includes specialist bridging providers with proven track records of completing rapidly — some within 48 hours of receiving a complete application pack. We manage the information flow, anticipate the lender's questions, and keep the process moving without interruption.

Bridge loans are typically secured against property or other tangible assets. Loan-to-value ratios, rates, and terms vary significantly by lender and by asset quality. Our role is to identify the most competitive terms available within your timeline — and to ensure that the exit from the bridge is clearly defined before the facility is drawn.

Corporate funding encompasses a broad range of capital needs — from revolving credit facilities that smooth seasonal cashflow to term loans that fund strategic acquisitions. The unifying factor is complexity: corporate transactions rarely fit a single product, and the optimal structure is rarely obvious from the outset.

Rothbury Finance sits alongside management teams and their advisers to understand the business's capital requirements in the context of its strategy. We assess the balance sheet, the trading trajectory, and the forward plan — then design a funding structure that addresses the immediate requirement without constraining future flexibility.

Our lender panel spans clearing banks, challenger banks, debt funds, and private credit providers. Each carries a different risk appetite, a different pricing model, and a different set of covenants. We know where each lender sits and which transactions genuinely interest them — which means we bring the right counterparties to the table, not the obvious ones.

Project finance is a distinct discipline within corporate lending. The primary security is the project itself — its contracted revenues, its assets, and its cashflow — rather than the sponsor's balance sheet. This creates both opportunity and complexity: opportunity, because the right structure allows developers and sponsors to leverage projects they could not fund from equity alone; complexity, because the documentation, due diligence, and lender negotiation required are significantly more demanding than conventional lending.

Rothbury Finance has facilitated project finance across residential and commercial real estate development, renewable energy installations, social infrastructure, and civil engineering projects. We understand the specific requirements of each asset class — the planning risk timelines, the construction cost contingencies, the drawdown profiles — and we structure facilities that reflect these realities rather than ignoring them.

We work closely with project sponsors, quantity surveyors, and legal teams throughout the process to ensure that the information presented to lenders is accurate, complete, and presented in a format that generates confidence rather than hesitation. Our involvement typically begins at feasibility and continues through to practical completion and refinancing.

Short-term finance serves a specific function: bridging a defined period between a present capital need and a future event that will repay it. That event might be the sale of an asset, the completion of a longer-term facility, a dividend from a portfolio company, or the receipt of a large contract payment. What it must always be is clearly defined before any facility is drawn.

We structure short-term facilities of between one and twelve months for businesses and individuals who need capital now and have a credible, documented exit route within the term. The discipline here is in the exit analysis — we will not facilitate a short-term facility without a clear understanding of how it is to be repaid. This protects the client as much as it protects the lender.

Short-term facilities can be secured or unsecured depending on the borrower's profile and the lender's requirements. Rates reflect the duration risk and the quality of the exit. Our role is to find the best available terms within the constraints of the transaction — and to ensure there are no surprises at the end of the term.

International trade creates a structural cashflow problem: the buyer needs goods before they can sell them, and the seller needs payment before they can ship them. Trade finance exists to resolve this tension — and when structured correctly, it benefits both parties without either party overextending their balance sheet.

Rothbury Finance facilitates trade finance through letters of credit, documentary collections, supplier credit facilities, and structured receivables arrangements. We work with importers and exporters across multiple jurisdictions, connecting them with lenders who understand the specific risk profile of cross-border commerce — including the regulatory environment, currency exposure, and counterparty credit risk involved.

For businesses running significant import or export volumes, we also structure revolving trade credit facilities that provide a permanent capital backstop for trading operations — removing the need to negotiate individual facilities for each shipment. This reduces administrative burden, strengthens supplier relationships, and provides a clearer picture of funding costs over time.

Invoice purchasing — variously called invoice discounting, factoring, or receivables finance depending on the specific structure — allows businesses to access the cash value of their sales ledger without waiting for customer payment. For businesses operating on extended payment terms, this can represent a significant working capital improvement.

Rothbury Finance facilitates invoice purchasing arrangements across both confidential and disclosed structures. In a confidential arrangement, customers are unaware that their invoices have been financed — the business retains full control of its credit collection process. In a disclosed arrangement, the finance provider takes on the debtor book and, in some cases, the credit collection function.

The right structure depends on the client's relationship with their customers, their internal credit management capability, and their appetite for ongoing involvement in collections. We assess each situation individually and identify lenders with genuine appetite for the specific debtor book quality and sector profile involved.

Some transactions require not just capital, but the credibility of the entity standing behind it. Performance guarantees, surety bonds, and letters of undertaking serve a specific function: they provide the counterparty with assurance that an obligation will be met — without requiring the full cash commitment upfront. In the right context, they are a more capital-efficient solution than a conventional loan.

Rothbury Finance facilitates guarantee and surety arrangements through specialist providers with the capacity and credit standing to issue instruments acceptable to demanding counterparties — including government entities, large corporates, and international trading partners. We understand the precise wording requirements of different instrument types and ensure that the guarantee issued is suitable for the specific purpose intended.

Direct investment arranging — co-investment and equity participation structures — is also available for transactions where a debt-only solution is insufficient or inappropriate. We connect clients with capital partners who have appetite for direct participation in the right opportunities, across real estate, infrastructure, and operating businesses.