The client
The client is a long-established metal roofing and cladding business specialising in copper, zinc, stainless steel, coated steel and aluminium systems for commercial and residential projects. With extensive experience across the sector, the team provides practical guidance to architects and contractors, helping to develop design concepts through to final project delivery. Their reputation is built on technical expertise, a collaborative approach and the ability to deliver tailored solutions across a wide range of schemes.
The opportunity
The business was seeking additional funding to support continued growth and to strengthen its working capital position. A portion of the facility was required to fund new machinery, with the balance supporting the completion of contracts already secured over the next six months. The aim was to provide the headroom needed to take on confirmed work, manage increased activity and maintain momentum without placing pressure on day-to-day cash flow.
Momenta Finance’s solution
Introduced by Jack Mansfield of Bothwick Finance and led by Momenta Finance BDMs, Ayesha Butt and Ronan Carter, Momenta Finance provided a £300,000 unsecured business loan over a 60-month term. The facility was structured to give the business the flexibility to invest in machinery while also supporting contract delivery and broader working capital requirements. This approach will help the company improve operational capacity, meet upcoming workload efficiently and continue progressing its growth plans with confidence.
- £150,000 to invest in new machinery and equipment.
- The balance to support the completion of contracts is confirmed over the next six months.
The Introducer’s Perspective
Jack Mansfield, Bothwick Finance, commented:
“Ayesha and Ronan from Momenta Finance understood the business straight away and were able to structure a facility that worked for both the machinery investment and the contract delivery side of the plan. The process was straightforward, the communication was excellent, and the funding gives the client the flexibility they need to keep growing with confidence.”
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The Property
The security comprises a four-storey building originally constructed as a detached office building in the mid-1990s. Following acquisition in 2024, the borrower successfully secured planning permission and completed a full conversion of the building into 20 self-contained one-bedroom apartments.
The development is well-located within commuting distance of Central London, with excellent transport links, motorway access, and proximity to a major university, all of which underpin strong and sustained residential demand in the area.
The Borrower
The borrowing entity is a special purpose vehicle (SPV) established specifically for this development, backed by experienced principals with a strong track record in UK property development. The sponsoring group includes both UK-based and international investors, adding a degree of complexity to navigate in a short period.
The borrowers demonstrated the experience and credibility required for this type of structured facility, and Momenta Finance was satisfied that the combination of the completed asset, robust sponsorship, and clear exit via unit sales provided a sound basis for the loan.
The Challenge
With the conversion works fully complete, the borrower’s existing development finance facility had served its purpose but was approaching maturity. The borrower needed to refinance swiftly onto a product that would give them the breathing room to market and sell the apartments at their own pace, without being constrained by the tighter timelines associated with a construction or development loan. Momenta Finance worked closely with the borrower to design a solution that was clean and commercially effective across both facilities.
The Solution
Momenta Finance provided a £3.3 million development exit bridging facility.
The loan was structured on a 9-month term with interest rolled up at 1% per month (12% fixed), providing the borrower with a clear and manageable cost structure throughout the sales period. An upfront arrangement fee of 1% was applied, with no exit fees or early repayment charges, giving the borrower maximum flexibility to repay as sales completed.
Momenta takes a holistic view of real estate transactions and can leverage development exit loans up to 75% of the open market value.
The Outcome
By refinancing onto a development exit facility with Momenta Finance, the borrower was able to:
• Exit their existing development loan in an orderly and cost-effective manner
• Retain full control over the sales process and marketing timeline
• Access a competitively structured product with no pressure to sell in a distressed timeframe
This case illustrates Momenta Finance’s ability to deliver tailored, structured solutions for experienced developers navigating the post-completion phase of a residential conversion: combining speed, flexibility and institutional funding capability to support a successful and well-managed exit.
Get in touch
For introducers looking to connect with a seasoned professional who understands the nuances of the property industry, Andrew Gagan is the go-to person. Connect with him now here: andrew.gagan@momentafinance.co.uk.
Rather than signalling weakness, this shift reflects a natural evolution of the market. Lenders, brokers and borrowers are increasingly prioritising discipline, transparency and long-term capital stability when selecting finance partners.
For brokers and their clients, the implication is clear. Capital remains available, but it is increasingly concentrated among lenders that demonstrate institutional underwriting standards, strong governance and stable funding relationships.
A return to fundamentals
Over the past decade, the specialist real estate lending market has expanded rapidly. Strong investor demand, abundant liquidity and favourable conditions enabled new lending platforms to emerge and scale quickly to meet borrower demand.
As market conditions have evolved, greater scrutiny is now being applied to the structural foundations of lending platforms. This includes:
- The policies that underpin lending decisions
- Transparency around lending frameworks and covenants
- The quality of security being financed
- Consistency in underwriting discipline
Institutional capital providers are reinforcing these standards across the sector. As a result, lenders are increasingly expected to operate with governance and risk management frameworks aligned with long-term capital stewardship.
A market beginning to separate
As these expectations strengthen, the specialist lending market is beginning to separate into two distinct groups.
One group consists of institutionally disciplined platforms. These lenders operate with robust governance structures, conservative underwriting frameworks and stable capital partnerships.
The other group includes platforms that have historically relied more heavily on rapid origination growth, narrow funding arbitrage or less developed operating frameworks.
During periods of market adjustment, capital providers naturally gravitate towards lenders with stronger structural foundations. For borrowers and brokers, this distinction matters. Working with institutionally structured platforms provides greater certainty of execution and confidence that funding relationships will remain stable throughout market cycles.
Why this matters for brokers
For finance brokers, reputation and client confidence are central to long-term success. The reliability of a lending partner is often as important as the pricing of a transaction.
In the current environment, selecting the right lender can deliver several advantages.
Execution certainty improves when lenders have diversified funding relationships and robust governance structures that allow them to maintain consistent lending activity through changing conditions.
Client protection is strengthened through disciplined underwriting that reduces the risk of distressed outcomes and supports more resilient capital structures.
Relationship value increases when brokers work with lenders that prioritise long-term partnership and responsible capital deployment.
The Momenta approach
Momenta Finance was built on the principle that sustainable real estate lending requires both disciplined underwriting and strong capital alignment.
Our model is designed to operate across market cycles, not only during periods of expansion.
Every transaction is assessed through a rigorous underwriting process that reflects institutional lending standards. This includes independent valuation, detailed borrower financial analysis and stress testing, careful assessment of market dynamics and exit strategies, and covenant structures designed to protect both lender and borrower.
Momenta also operate with governance frameworks designed to support long-term, responsible lending. These include clear separation between origination, capital deployment and asset management functions, strong risk management and compliance processes, prudent leverage criteria and diversified funding relationships.
This disciplined approach is reflected in our credit performance. By prioritising underwriting quality over origination volume, we maintain a portfolio built around experienced borrowers and resilient structures.
Looking ahead
The specialist real estate lending market is not contracting. It is maturing.
Periods of adjustment reinforce the importance of strong governance, disciplined underwriting and stable capital partnerships. As weaker structures exit the market, institutionally disciplined platforms are likely to play an increasingly important role in supporting borrowers and brokers.
Momenta Finance remains committed to providing stable, responsible capital and building long-term partnerships with the clients and intermediaries we support.
– Steven Oliver, Head of Real Estate
The client
This opportunity was introduced to Momenta Finance by Rio Ball of Finance For Business. It was led by Business Development Manager, Ronan Carter, who worked closely with Rio to ensure a smooth process from initial enquiry through to drawdown.
The client was a specialist recruitment business providing permanent and contract solutions to the UK manufacturing engineering sector. With a proven track record across a wide range of engineering disciplines, they place real importance on building long-term relationships with both clients and candidates, with a clear goal of becoming the recruiter of choice for the UK manufacturing engineering industry.
The opportunity
The business is in a strong growth phase, driven by increasing demand from new and existing clients across its core engineering markets. To maintain service quality while supporting higher activity levels, the company required funding to invest in additional staff and infrastructure. The objective was to secure a facility that would enable the business to scale operations, take on larger opportunities and grow revenue, without placing pressure on day-to-day cash flow.
Momenta Finance’s Solution
Momenta Finance provided a £250,000 Growth Guarantee Scheme facility over a 48-month term. The funding has been structured to support the company’s expansion plans while keeping repayments affordable and predictable. This will allow the business to recruit additional consultants and support staff, and invest in the systems and infrastructure needed to manage higher volumes of roles and candidates effectively.
Speed of delivery was a key feature of this transaction. Terms were issued at 17:35 on 15 January and the facility was fully funded by 17:48 the next day, 3 hours after the client signed, enabling them to proceed with its hiring and investment plans without delay.
The Outcome
With the new facility in place, the business is well-positioned to scale sustainably, increase consultant headcount and support higher levels of client activity. The funding provides the headroom needed to pursue larger mandates and broaden its client base, while protecting working capital and avoiding cash flow strain as the business grows. This leaves the company strongly placed to further enhance its reputation as a trusted, long-term recruitment partner to the UK manufacturing engineering sector.
The Introducer’s Perspective
“Working with Ronan and Momenta Finance on this deal meant we could match our client’s growth plans with a facility that was both flexible and fast. From terms being issued to funds in the client’s account in just over 24 hours, the process was smooth and efficient, allowing the business to press ahead with hiring and investment at a critical point in their expansion.”
– Rio Ball, Finance For Business
Finance For Business, your one-stop solution for all your finance needs.
We understand that navigating the world of finance can be overwhelming and complex. That’s why our experienced team finance brokers is here to simplify the process for you.
With years of industry knowledge and expertise, we have helped countless businesses secure the finance they need to achieve their goals. Whether you’re looking for machinery finance, a business loan, through to a commercial mortgage or cash injection, we have the skills and connections to find the best solution for you.
Our team works closely with a wide network of lenders and financial institutions to ensure that we can offer you a comprehensive range of options. By carefully evaluating your financial situation and goals, we can match you with the most suitable lenders with competitive rates, flexible terms, and favourable conditions.
The client is a specialist provider of cashless payment and machine management solutions to the UK land-based gaming industry, supporting operators with technology that improves control, efficiency, and player experience. The business services venues across the country. It offers integrated systems that help streamline operations and revenue management.
The Opportunity
This opportunity was introduced to Momenta Finance by broker Jack Weston of Portman Finance Group and was led by Sales Director, Tom Shave.
The company is entering a new phase of growth, with a pipeline of upcoming projects aimed at enhancing its platform, broadening its service offering, and deepening relationships with existing and new gaming operators. To capitalise on these growth opportunities and strengthen its market position, the business required additional capital. This was to invest in these projects while maintaining day-to-day working capital headroom.
Momenta Finance’s Solution: Leveraging our £125m Forward Flow Facility
Following the recent announcement of our £125m forward flow facility with a leading global investment bank, Momenta Finance has significantly enhanced its capacity to support SMEs. We are now offering interest rates starting from 7% per annum, alongside extended loan tenors. This institutional backing allowed us to assess this client under our newly launched tiered structure. It is designed to bridge the gap from high-street banks to alternative lenders. By utilising our streamlined single-application workflow, we were able to offer the client the most competitive terms. There is no need for the broker to pre-judge eligibility.
The terms provided:
- Loan amount: £125,000
- Loan term: 72 months
- Pricing: Secured at a competitive Tier 1 rate
- Loan type: Unsecured business loan
- Special feature: No early or over repayment fees
The funding is structured to provide the borrower certainty over repayments across a six-year term, without needing tangible security. This approach enables the business to commit to its project roadmap. At the same time, the company can retain flexibility to respond to further opportunities in a dynamic market.
The Outcome
By securing growth capital on an unsecured basis via Momenta’s new Tier 1 structure, the company is well-positioned to scale its footprint in the UK land-based gaming sector. It can strengthen existing partnerships and continue investing in technology that supports long-term, sustainable growth.
The Introducer’s Perspective
“Tom Shave and Momenta Finance were quick to understand the client’s business model and the growth potential in their niche market. The unsecured structure and competitive terms gave my client the confidence to press ahead with their expansion plans immediately.”
– Jack Weston, Portman Finance Group
Portman Finance Group is a specialist commercial finance provider supporting UK businesses with access to a broad range of funding solutions. As a hybrid broker and lender, Portman works with a wide panel of funding partners as well as providing its own facilities, helping clients secure asset finance, lease and hire purchase arrangements, and business loans tailored to their needs. The team focuses on personal service, with dedicated account managers who take time to understand each business, structure appropriate facilities and move quickly from proposal to approval. This means that clients can execute their plans without delay.
A growing UK domiciliary care provider has secured funding through the government-backed Growth Guarantee Scheme to support its next phase of expansion. The business delivers essential home care services that enable people to live independently in their own homes. It is now focused on accelerating growth as it moves into 2026.
The Opportunity
To scale effectively, the provider identified a need to strengthen its sales and marketing activity. Increased investment in brand visibility, digital presence and referral generation is central to reaching more service users. This will also help with winning additional care packages. A growth-focused funding solution was required to support these initiatives. At the same time, it was necessary to maintain high standards of care and day-to-day operational stability.
Momenta Finance’s Solution
Introducer Sam Jeeves, Director at Bespoke Commercial Finance, partnered with Momenta Finance to source an appropriate facility. Working closely with the client and Sales Director Jeremy Crinall was pivotal. As a result, a structured Growth Guarantee Scheme loan was designed around the provider’s growth plans.
The facility provides the business with dedicated capital to invest in sales and marketing. This will support a planned and sustainable increase in demand.
The Outcome
With funding in place, the domiciliary care provider can now implement its growth strategy with confidence. It can increase outreach, strengthen its pipeline and reach more individuals who require support at home. The facility underpins long-term expansion plans. Furthermore, it positions the business to enter 2026 with a stronger market presence and a clear route to scale.
The Introducer’s Perspective
“By combining the benefits of the Growth Guarantee Scheme with a clearly defined growth plan, Momenta Finance provided our client with the confidence and capital they needed to invest in their future. The collaborative approach working with Jeremy ensured the funding was aligned with both their operational needs and long-term ambitions.”
– Sam Jeeves, Bespoke Commercial Finance
Bespoke Commercial Finance is an independent commercial finance broker supporting UK businesses with tailored funding solutions across a wide range of sectors. The team works with multiple lenders, from high street banks to specialist providers. In particular, they structure facilities that match each client’s specific requirements, whether for growth, working capital, assets or property. With a focus on clear advice, choice and competitive terms, Bespoke Commercial Finance helps business owners secure the funding they need. This enables them to move forward with confidence.
Business Highlights and Awards
Over the past 12 months, Momenta Finance has reached several pivotal milestones, with 2025 marking a record year for lending as we supported more clients than at any other point in our history. We also secured an enhanced funding facility with Shawbrook Bank. This upsized £50 million line, coupled with a three-year extension, has significantly bolstered our capacity to support UK property lending and underscores the confidence our funding partners have in our robust business model.
Our commitment to excellence was also recognised by the industry. We were proud to be ‘Commended’ in both the Best Business Loan Provider and Best Alternative Business Funding Provider categories at the Business Moneyfacts Awards 2025. Furthermore, ending the year on a high note, we were shortlisted for ‘Unsecured Lender of the Year’ at the NACFB Commercial Lender awards in November.
Success Stories
Our core mission remains supporting UK SMEs with tailored financial solutions. throughout 2025, we have worked closely with our network of introducers to deliver funding across a diverse range of sectors.
The speed and flexibility of our team remain our greatest assets. Reflecting on a complex development refinance, Jenna O’Sullivan of Henray Capital noted, “Momenta Finance impressed us with how rapidly they structured a comprehensive solution, enabling seamless refinancing.” This ability to move at pace was echoed by Myles Smyth at TSF Finance, who described our competitive offering for a North East fire protection firm as “second to none” in the market.
Whether it was funding yard refurbishment for landscape contractors or growth capital for London-based consultancies, our focus has been on balancing “flexibility with affordability.” As Sean Thorogood of British Business Funding observed, our collaborative approach ensures that clients secure terms that “fully support their ambitions” without the constraints of traditional lending.
Team Growth and Community Engagement
2025 was a year of significant leadership appointments. In September, we welcomed Tim Boag as our new Chief Executive Officer to drive our ambitious growth trajectory. This was followed by the appointment of Chris Forrest as Chief Commercial Officer, further strengthening our commercial strategy.
We also continued our active engagement with the broker community, with our stand at the NACFB Commercial Finance Expo in June serving as a vibrant hub for connecting with partners and discussing the future of commercial finance. Our Business Development Managers continued to perform strongly within the broker community, engaging them at multiple events. These touchpoints have deepened relationships with partners and introducers and ensured we remain closely aligned with current industry trends.
Looking Forward
The successes of 2025 have set a strong platform for the future. With a strengthened leadership team, increased funding capacity, and a proven track record of delivery, we are excited about the opportunities 2026 will bring. We remain committed to maintaining the high standards of transparency and tailored funding that have made us a trusted partner for businesses across the UK.
”Our people-centric approach enables us to support brokers, and ultimately businesses, who require flexibility and speed from their lenders. We have made significant progress in 2025, and I am looking forward to 2026, which will be a transformational year for Momenta.“
– Tim Boag, CEO
To our introducers, partners, and clients, thank you for your continued trust and collaboration.
A well-known landscape maintenance contractor in the agriculture sector required a flexible funding solution. This was to undertake a major upgrade to their external yard facilities. Operating within a highly competitive market, the business identified an urgent need to refurbish approximately one acre of external space. This was to enhance both operational efficiency and site security.
The Opportunity
The client sought to invest in a comprehensive refurbishment of their existing yard. This included new fencing, gates with automation, improved drainage, upgraded lighting, enhanced security features, and renewed surfacing. These upgrades were needed to support ongoing operations, maximise asset protection, and improve site logistics. All were essential to deliver reliable service for their client base.
Momenta Finance’s Solution
Introducer Steve Gomes of AFS member Amiga Finance worked in partnership with Business Development Manager Ronan Carter at Momenta Finance. They assessed the contractor’s requirements and structured a tailored unsecured business loan.
- Loan amount: £300,000
- Loan term: 72 months
- Special feature: No early or exit repayment fees, offering total flexibility for future settlement
The solution allows the business to proceed with the yard upgrade without diverting capital from its core operations.
The Outcome
With funding in place, the contractor is now refurbishing the external yard to a modern standard. This strengthens site management and security. The flexible facility addresses all aspects of the project, providing the financial certainty required to deliver improvements smoothly and efficiently.
The Introducer’s Perspective
“It was a smooth and straightforward experience working with Momenta Finance and Ronan Carter throughout the process. Their collaborative approach and flexible funding package, including no early repayment fees, gave our client confidence to invest in their infrastructure and drive the project forward without constraint.”
– Steve Gomes, AFS member Amiga Finance.
Conclusion
This case demonstrates how Momenta Finance supports UK agriculture and landscape contractors with bespoke unsecured loan solutions. Our flexible approach, combined with dedicated business development support from experts like Ronan Carter, helps facilitate essential upgrades. It also ensures companies can grow and adapt to evolving business needs.
Established in 2017, Amiga Finance proudly supports UK businesses. We are dedicated to providing you with the financial support your business needs to grow. Over the years we have built a trusted reputation with our clients, our funders, and our strategic partners.
With over 50 years of industry experience, we help businesses navigate the complexities of financial products. Our expertise ensures you fully understand the pros and cons of each option, enabling you to make informed decisions. Through tailored funding solutions such as seasonal payments or lower upfront deposits, we prioritise cash flow making finance more manageable.
By understanding your ambitions and goals, we foster long-term relationships that support your business at every stage.
At Amiga Finance, we go beyond transactions, we build partnerships.
Amiga Finance Limited is an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Amiga Finance Limited will receive payment(s) in the form of commission from the finance provider if you decide to enter into an agreement with them. We work with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate you pay.
Amiga Finance Limited is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority FRN: 625035
Late July saw one of our trusted introducers approach Momenta Finance. They needed to provide a fast and effective finance solution for their client. The client faced an approaching redemption date on an existing loan with another lender. Moreover, they required additional funds to complete their ongoing development project. An existing mezzanine loan was also in place.
The Opportunity
The client needed to refinance an existing loan and secure additional capital for the remaining works. The challenge was to structure a solution swiftly without disrupting the existing mezzanine finance, while satisfying the previous lender’s timeline.
Momenta Finance’s Solution
Momenta Finance worked closely with the introducer and client. They structured a development bridging facility that addressed both the immediate redemption requirement and the ongoing funding needs for the project’s completion. A bespoke finance solution was structured to repay the existing lender in full. Additionally, it provided the necessary capital to complete the remaining development works. The loan included provisions to retain the client’s existing mezzanine facility. This was successfully subordinated as a second charge behind Momenta Finance’s new first charge. Legal and due diligence processes were completed within just four weeks. This allowed the transaction to complete in time to satisfy the outgoing lender’s deadline. Consequently, the client could proceed uninterrupted with the next phase of development.
Loan Type: Development Bridging
Loan Amount: £2,600,000
Loan Term: 12 months
The Outcome
The refinancing allowed the client to meet obligations to their existing lender on time. Also, it enabled them to continue progressing their development project without interruption. Maintaining the mezzanine loan alongside the new facility ensured financial continuity and flexibility. This deal highlights Momenta Finance’s expertise in structuring complex property development finance. It is delivered with speed and precision.
The Introducer’s Perspective
“Our client was under pressure to refinance quickly but maintain their mezzanine structure. Momenta Finance impressed us with how rapidly they structured a comprehensive solution, enabling seamless refinancing and funding for works continuation.”
– Jenna O’Sullivan of Henray Capital.
Simon Michael, Senior Property BDM, Momenta Finance, concluded:
“This development refinance project exemplifies our commitment. We provide tailored financing solutions that meet urgent client needs amid complex capital arrangements. We work closely with brokers and clients to deliver swift, strategic funding. This keeps projects on track and unlocks growth.”
The enhanced partnership will drive further origination across a comprehensive suite of property-backed finance solutions. Loans funded by the Shawbrook facility can address property purchase, refurbishment, construction, and bridging requirements for both commercial and residential assets.
This expansion follows a year of strong growth, reinforcing Momenta Finance’s commitment to serving property developers, investors, and business owners nationwide with transparent, tailored, and competitive lending solutions. With the facility now running through 2028, Shawbrook’s continued support underscores its confidence in Momenta Finance’s specialist team and robust risk management.
Commenting on the extension, Liam McGall and Warren Mutch from Shawbrook said: “We are pleased to extend our funding line for Momenta Finance by a further three years and increase its capacity to £50 million. This transaction reflects our confidence in Momenta Finance’s track record, management team and their presence in the market. The enhanced facility supports continued growth plans and expands upon our successful partnership to date”
“We are delighted to have extended and upsized our facility with Shawbrook, one of our long-standing funding partners. This facility enables us to pursue our growth ambitions with confidence and certainty, in the knowledge that we will continue to deliver for our intermediaries and customers alike.”
– Tim Boag, CEO of Momenta Finance
About Momenta Finance
Headquartered in London, Momenta Finance is a leading provider of alternative business and property finance, offering borrowers and brokers fast access to tailored solutions across the UK. With funding lines from respected banking partners and a proven track record since 2013, Momenta Finance is committed to transparency, agility, and client-focused service.
