4Syte Secured Finance – Backing Ambition with a £32.5m Growth Facility
Shawbrook backs specialist SME lender, 4Syte with revolving credit facility to support growth ambitions.

Backing a Specialist in Security-Backed Lending
Established in 2019, 4Syte Secured Finance Limited very quickly carved out its niche by focusing on the secured SME lending space – a move that has seen it deliver over £50 million in funding to over 300 small and medium-sized enterprises across the UK.
Part of the broader 4Syte Group, the firm is independently owned and has earned a reputation for its agile, relationship-led approach in a market often underserved by mainstream providers.
Scaling a Specialist Lender
With ambitions to double its loan book to around £50 million, 4Syte was in search of a funding partner who could provide a stable, flexible facility to support that next phase of growth. The ask was clear – a three-year revolving credit package capable of supporting near-term scale-up and future expansion.
The process was competitive, with multiple funders engaged. However, in a sector where nuance and deep understanding of the underlying business model matter, 4Syte needed more than just capital – they needed a partner who "got" the business.
Shawbrook: A Relationship Built on Understanding
As an existing customer, 4Syte was already familiar with Shawbrook’s specialist approach. When the time came to refinance and prepare for future growth, they chose to re-engage with a lender who had already demonstrated a strong grasp of their model and ambitions.
What made the difference this time around was the depth of collaboration. Shawbrook worked closely with the 4Syte leadership team and shareholders, taking the time to understand not just the current position but the long-term vision – ultimately presenting a bespoke solution that balanced flexibility with structure and delivered value for both sides.
Flexible Capital for a Fast-Moving Market
The final structure is a £32.5 million revolving credit facility. The facility is designed to provide both stability and agility – enabling 4Syte to fund a growing pipeline of security-backed loans without the friction of repeated refinancing or overly restrictive covenants.
Insight, Flexibility, Partnership
This wasn’t a transaction won on margin or marketing – it was the result of months of meaningful engagement. Shawbrook’s team spent 6–8 months deepening their understanding of 4Syte’s product, analysing underlying performance, to shape a facility that was genuinely aligned to the business’s needs and growth strategy.
The result is a facility built on partnership, designed to enable growth, and underpinned by mutual understanding – a clear example of how specialist lenders can work together to support ambition in the UK’s vital SME market.
We were looking for a funding partner that could not only support our current operations but really got behind our growth strategy – and Shawbrook stood out. Their team took the time to understand our business in detail, and structured a facility that gives us the headroom and confidence to scale.
Liam McGall, Director, Speciality Finance at Shawbrook, said:
“This is a fantastic example of how two specialist lenders can work in partnership to support the UK’s SME economy. We’ve worked closely with the 4Syte team over the past several months to understand their portfolio, growth plans, and strategy – and we’re delighted to provide a facility that helps them take the next step in their journey. “We believe strongly in backing ambitious, well-run specialist lenders, and 4Syte’s track record and leadership speak for themselves.”
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