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Wealth management

As platform technology [and other factors including lack of succession and an increasing regulatory and compliance burden] has driven greater efficiencies in the wealth management space, the sector is experiencing a flurry of mergers and acquisitions as firms seek to drive growth and capitalise on efficiencies of scale.

 

Our experienced Corporate Lending Team can arrange flexible finance solutions to fund your merger or acquisition through a tailored debt package that sits alongside any equity funding. We assess every enquiry individually and work with advisors, accountants and firms to create bespoke solutions that enable you to achieve your ambition.

The drivers for consolidation in the Wealth management space

  • Much of the sector is made up of smaller, sub 5 advisor firms, which leads to fragmentation
  • Platform technology has created an opportunity to consolidate portfolios
  • An increased compliance environment presents high barriers to new market participants
  • Conversely, this has also created opportunities to drive efficiencies of scale

Why Shawbrook?

  • Relationship: A dedicated relationship led approach as part of a smaller portfolio managed by likeminded entrepreneurs who’ll assist you throughout your journey
  • Certainty: Support from a team experienced in wealth management transactions providing certainty of funding
  • Quick decisions with short lines of communication direct to decision-makers
  • Flexibility: A tailored and flexible funding structure that is specific to the unique needs of your acquisition

Funding for wealth management at a glance

Our funding is available for UK based partnerships operated by a high-calibre management team, seeking debt finance as a component of their funding mix to support a merger or acquisition in the Wealth Management space.

  • Loans of £2m to £20m
  • Typically a mix of amortising and bullet loan tranches
  • Typical term of 5 years
  • Requires an appropriate balance of equity to debt to ensure aligned interests
  • Can provide initial capital repayment holidays to allow a ‘settling in’ period
  • Ability to deliver bespoke, structured facilities, including multi tranche drawdowns, committed and uncommitted follow-on funding to support growth strategy
  • Bespoke solutions with each case assessed individually

What we look for in a wealth management deal

As an experienced provider of debt finance in the wealth management space, we’re uniquely positioned to support high-calibre managements teams to execute on their growth strategies through merging and acquiring complimentary portfolios.

  • Meaningful equity contribution to support the transaction
  • Credible and experienced management team with a complimentary investment strategy and cultural fit
  • Strong financial reporting
  • Demonstrable compliance record and FCA approval for change of control
  • Defined strategy for retention of customer base to mitigate any key relationship dependencies
  • A strategy of cultural integration and retention and incentivisation of key staff

Releasing value on your assets

Unlock the value tied up in paper and hard assets

For businesses with substantial capital tied up in their balance sheet, our Asset Based Lending proposition can unlock that value to provide both strategic capital and on-going financial headroom to support pivotal events.

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Working with capital

Utilising cashflow to fund significant business milestones

A senior debt product designed for established businesses requiring funding for growth, an acquisition, change of ownership or other general corporate purpose. Loan size is determined by a multiple of EBITDA (Earnings Before Interest Tax Depreciation and Amortisation)  or vacant possession value of an owner-occupied commercial property, with repayments coming from future cashflows of the business.

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Hybrid Solutions

Bespoke senior debt solutions

For businesses we can deliver a holistic financing package combining the best of event driven term debt with the flexibility of working capital solutions.

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Adviser or Business Introducer?

We work with a range of corporate debt advisers, accountants, lawyers, and other knowledge based introducers to find solutions for their clients. 

If your business is introducing clients to the right partners and we haven't spoken before, we understand that a conversation is just the start.

Wealth Management case studies

At Shawbrook, we have worked with a number of Wealth Management firms to assist with mergers and acquisitions. Read about how we supported other businesses with their growth plans.

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Case Study

Craven Street Wealth acquires Bernard Barrett Associates Limited with funding from Shawbrook

Financial planning and wealth management firm, Craven Wealth Management expanded its network with the acquisition of Bernard Barrett Associates. Shawbrook structured a Commercial Loan incorporating a committed accordion facility and the refinance of the client’s existing facilities.

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Case Study

Corbel Partners completes acquisition of Wealth Design Holdings

Corbel Partners, a trusted support network supporting financial advisers, has extended its business capabilities through the acquisition of Wealth Design Holdings, supported by Shawbrook.

Supporting the businesses you support

Explore our funding solutions for Private Equity investors supporting UK mid-market SMEs.

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About Shawbrook

Shawbrook is a different kind of bank, built to accommodate individuality, diversity and the dynamics of the modern world. We combine great technology and the expertise of our people to understand our customers’ individual requirements and to meet their evolving needs.

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