What does a credit backed offer of funding look like?

Most people talk about raising capital — few ever see what a real, credit-approved offer actually looks like.

This is an anonymised version of a facility we recently arranged for a mid-market acquisition. It’s a credit-backed invoice finance line sitting within a £4M total funding stack.

Here’s what the structure looks like 👇

💰 Facility Limit: £2M

📈 Advance Rate: 80% of eligible receivables (up to 90% discretion)

⏳ Term: 12 months minimum, 3-month exit notice

💸 Interest: 7.5% + base rate, daily on funds drawn

⚙️ Admin Fee: 0.35% per invoice (min £3k/month)

🧾 Security: 1st ranking charge over assets

👥 Guarantees: Corporate

📄 Legal/Setup Fees: Standard for this size of facility

👉 Nothing exotic — just disciplined, credit-backed structuring that gets deals done.

Facilities like this typically sit behind equity and ahead of vendor financing, giving acquirers the flexibility to move quickly on smaller deals while preserving cash for growth.

At OPC Capital Partners, this is our bread and butter — structuring and securing the right blend of debt and equity for buyside clients so they can acquire, integrate, and scale.

If you’d like to understand how credit-backed offers like this can underpin your next acquisition, let’s talk.

📩 DM me or visit www.opccapitalpartners.com

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