For Lenders
We introduce SME cases that have been matched to your published criteria, and packaged before they reach your credit team:
What You'll Recognise
You know a thin introduction when you see one. These are the problems we work through before a file reaches you. If a business on your books shows any of them, it is worth a conversation.
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 prepare the file and match it to your published criteria before it reaches your credit team, and we stay available while you decide.
You share your appetite, products and deal sizes, so we introduce files that match.
If tax arrears are in the way, we arrange a Time to Pay arrangement with HMRC through a trusted specialist partner before the file is submitted.
We prepare integrated profit and loss, balance sheet and cashflow forecasts that show how the facility will be serviced, working from the accountant's figures.
We submit a fully prepared proposal, matched to your criteria. You decide whether it fits. There is no obligation to lend.
Why Work With Strata
We do not lend. We work on the case, the tax position and the forecasts, and we send you a file you can accept or decline on its merits.
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 from lenders is disclosed to the client.
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.
If refinance is not the answer, we say so. Some files need a restructuring or insolvency professional, and we will tell you that plainly.
Discuss your criteria, or get in touch and talk it through first. Tell us your appetite, products and deal sizes. No judgement, no preaching, just good honest old-fashioned common sense.
