Corporate
Our Products and Markets
Corporate has a long history of providing innovative and tailored products and services to customers in markets where we have proven knowledge and real expertise. We cover the full range of corporate customers, defined as those with turnover in excess of £1m.
Real Estate
Provides funding solutions for clients operating mainly in the property investment, property development and house building sectors. We have extensive experience of commercial and residential property finance and assist clients with establishing portfolios, buying business premises and refinancing existing properties.
Commercial
Offers a range of lending, deposit and traditional money transmission products, focusing on the needs of UK businesses with turnover greater than £1m, through a regional presence and the development of a direct offering, including asset finance. In Scotland, we continue to enjoy a market leading position, whilst England and Wales represents a significant growth opportunity.
Joint Ventures
Provides two main products: an integrated funding package comprising a wide range of finance (eg, debt, equity, mezzanine, loan stock) to asset backed companies in the UK and Europe; and debt funding to European property companies. Typically, significant equity stakes of up to 50% are taken when an integrated funding package is supplied. This enables participation in the operational decisions of the investee companies and generates investment returns for Corporate.
Integrated, Structured & Acquisition Finance
One of the UK’s leading providers of debt for buy-outs for well over a decade, our flexible approach evaluates each transaction on its own merits, but with an emphasis on partnering with private equity houses that have a strong track record, and often a long-standing relationship with Corporate. Our lending to buy-outs across the UK and continental Europe is managed by a specialist team, providing continuous feedback to the origination teams on portfolio performance.
Specialised Industry Finance (‘SIF’)
Consisting of five distinct specialist areas, SIF’s Housing and Infrastructure businesses provide debt funding solutions and risk capital investments in essential economic and social infrastructure projects via government PFI and PPP projects in the UK, Ireland, and Europe. The Energy business consists of an Oil & Gas team and a Renewables team which provides funding to the renewable power generation sector primarily across Europe. Telecoms & Media covers cable, fixed and mobile telephony, wireless infrastructure, broadcasting, advertising and publishing, and our Transport business provides funding solutions to the marine, rail and aerospace markets.
Asset Solutions
The focus of the business is to develop, deploy and manage a suite of specialist products to defined market sectors, including consumer point of sale, contract hire, public sector and specialist leasing.