For Lenders — Refer a Client
Your credit or collections team usually sees it first:
What You'll Spot
Directors under pressure rarely say it out loud. The numbers on the account say it for them. If you recognise any of these in a borrower on your books, it is worth a Client Healthcheck.
Merchant cash advances and short-term lenders taking repayments straight from card takings or the bank, several times a week.
A new facility lands, and most of it goes straight out to settle or service an earlier one.
VAT, PAYE or Corporation Tax falling behind because cash is going to lenders first, which then blocks mainstream refinance.
A business that trades well on paper, with too much of its turnover leaving every month in repayments, interest and fees.
How We Work With You
Strata is a group of seasoned professionals with backgrounds in banking, accountancy and finance. We assess the case and look for options across CDFIs and specialist lenders. The referral sits alongside your own forbearance and collections process; it does not replace it. We keep you informed throughout.
A few minutes, subject to your own referral policy. The client must agree before any details are passed on. The illustration comes to you, not to them, so you decide how and when to raise it.
If tax arrears are in the way, we arrange a Time to Pay arrangement with HMRC through a trusted specialist partner before any lender sees the file.
We prepare integrated profit and loss, balance sheet and cashflow forecasts, working from the figures already on file, so funders can see how a refinanced or restructured facility would be serviced.
We look for options across CDFIs and specialist lenders — refinance, restructure, or Time to Pay where needed. We assess the case. There is no guarantee of an outcome. We keep you informed throughout.
Why Work With Strata
We do not replace your own process, and we do not bid to take the borrower from you. When enforcement is not the only path to consider, we assess the case and look for options. There is no guarantee of an outcome. You stay informed.
Our fees, any partner fees and the lender's own costs are set out separately, so a single monthly number is never hiding three invoices. Any commission Strata receives is disclosed to the client. Strata does not pay lenders for introductions.
Strata is a trading style of Sterling Commercial Finance Limited, authorised and regulated by the Financial Conduct Authority (FCA reference number 733615). Not all of the services and finance Strata arranges are regulated by the FCA. Some borrowers — sole traders, small partnerships, and some secured loans — may fall under FCA consumer credit or mortgage rules, or may be vulnerable customers. Strata checks which rules apply before advising.
If refinance is not the answer, we say so. Some files need a restructuring or insolvency professional, and we will tell you that plainly. There is no guarantee of an outcome.
Run the Client Healthcheck, or get in touch and talk it through first. The referral asks for the client's consent, and for the timeline, before any details are passed on. No judgement, no preaching, just good honest old-fashioned common sense.
