Capital advisory for situations traditional financing won't touch.
We help business owners, shareholders and their advisers structure and secure financing when the usual routes are too slow, too rigid, or simply say no — acquisition finance, refinancing, structured capital and shareholder liquidity.
Start a conversationDebt, structured capital or a mix of both — the solution follows the situation, not the other way round.
Acquisition & Growth Finance
Debt and structured capital to fund acquisitions, buy-outs and growth needs — including club deals across multiple lenders where a single check size isn't enough.
Refinancing & Recapitalisation
Replacing maturing, mispriced or overly restrictive debt; resolving covenant pressure; releasing equity value ahead of a liquidity event.
Structured & Special Situations Capital
Mezzanine and debt-like structured facilities, asset-based lending and sale-leaseback — for situations that fall outside conventional bank credit boxes. Where a solution has an equity component, we advise on structure but do not arrange or place the equity itself.
Shareholder Liquidity
Partial or full buy-outs and introductions to strategic or financial investors, for owners seeking liquidity without a full sale process.
We would rather tell you no in a week than let you find out in month four.
Every stage is disclosed in writing before it begins — including what it costs.
Assess
A short, paid assessment before any commitment. We tell you plainly whether financing is achievable, and on what basis — usually within ten business days.
Engage
If it's achievable, we structure the solution, prepare the materials, and approach the capital providers best suited to your situation directly.
Close
We negotiate terms, coordinate diligence, and see the transaction through to funding.
- Turned down or under-served by a bank or standard lender
- Time-pressured — a normal process won't move fast enough
- Complex or unusual collateral, structure or ownership
- Distressed or transitional — refinancing, buy-outs, recapitalisation
- Enterprise value roughly $10m to $150m
- US-headquartered businesses and transactions
- Owners, shareholders and their professional advisers
- Referred or direct — a conversation costs nothing
We work quietly, by design. The people who need to know who we are already do — reached through the lenders, sponsors and advisers we transact with.
Senior, and hands-on
The principals have led special-situations financings and complex capital structures across the US, UK and Europe. You deal with them directly, not an associate.
Confidential by default
Special situations are sensitive. We keep principals, counterparties and mandates private, and share detail only where there is a reason and a mutual NDA. Here, discretion isn't a courtesy — it's the work.
Connected to real capital
We work alongside institutional lenders, credit funds and sponsors across the US, UK and Europe — so a situation that stands up gets in front of capital that can actually move on it.
We assess each situation on its own merits and only advance mandates where we believe a workable path exists — US-primary, with genuine UK and European relationships for the situations that call for them.
United States
The core of what we do — US lower and mid-market situations, $10m to $150m enterprise value, sourced through our originator network and direct relationships.
United Kingdom & Europe
Based in London, we hold genuine relationships across the UK and European market and take on situations selectively through them — not a separately marketed line, but not overlooked either.
A hard capital problem is easier with the right first call.
No obligation, no cost, no sales process for that first call — just a straight conversation about whether we can help.
Start your applicationPrefer email directly?
info@thirdcapital.co.uk