River Capital delivers flexible debt funding across the North West supporting businesses at every stage of their journey.
From startup entrepreneurs to established SMEs planning major expansion, we provide alternative finance when mainstream funders reach their limits. Our three specialist debt funds offer loans from £25,000 to £1 million, designed to complement traditional banking and fill critical funding gaps.
What is Debt Funding?
Key Characteristics
We work in collaboration with our funding partners, to ensure the most suitable form of funding is offered to you and your business needs.
The loan is time bound meaning it needs to be repaid along with interest at the end of the agreed time period.
Can be used in a variety of situations for businesses who are looking to grow and is one of the most common forms of finance used by SMEs across the UK.
You remain in control of your company
Northern Powerhouse Investment Fund II
Smaller Loans from £25,000 to £100,000
NPIF II River Capital & GC Business Finance Smaller loans
- Small Business Loans
- For new or growing businesses
Play XD Ltd
Play XD Ltd, an independent game studio based in Chorley, Lancashire, successfully secured £100,000 in growth funding from NPIF II to accelerate development of their Meta-partnered VR game "Primal Rumble®" and expand their workforce by nine skilled positions. This case study examines how strategic investment enabled a regional gaming company to scale operations while maintaining local roots.
£100,000
Investment
North West Business Growth Loan Fund
Delivered by River Capital, this debt fund provides an alternative source of commercial finance for SMEs across the North West & North Wales.
Providing loans between £100k – £500k that will be complementary to main stream funders where they may be limited to support.
The Fund looks to support businesses at various stages of development and can consider working capital, capital expenditure, acquisitions, management buyouts and other growth related activities. Commercial lending through the fund is sector agnostic with an aim to help create jobs and social outcomes which help meet the investors aims of improving commercial prosperity across the region.
Meet the Debt Team
Velstar Ltd
TBC
TBC
Investment
Flexible Growth Fund
The £20m Flexible Growth Fund financed by the Liverpool City Region Combined Authority, aims to encourage investment in new capital expenditure projects by LCR based businesses that will help create jobs.
Providing fee free, Interest subsidised loans up to £1m, this fund can provide up to 50% of eligible capital expenditure repayable over a maximum 5 year term.
An initial Expression of Interest will determine whether the project fits with the fund guidelines before embarking on a full application encompassing a business plan and financial forecasts.
In addition, social value needs to be demonstrated in the applications alongside a commitment to helping achieve the region’s Net Zero targets.
Meet the Debt Team
North West Business Growth Loan Fund
TBC
TBC
Investment