SME Growth Financing
Flexible financing from $250K to $10M for established small and medium-sized enterprises: growth capital, acquisitions, working capital lines and refinancing.
Structured Capital for Ambitious SMEs
Small and medium-sized enterprises are the engine of every economy we lend in, from the U.S. and Canada to the UAE and the UK. Our SME program gives growing companies access to the type of structured financing usually reserved for large corporates, without the bureaucracy of a bank.
We combine term loans, revolving lines, acquisition finance and unsecured tranches into one tailored facility, sized to your cash flow and growth plan.
Program Highlights
- Term loans, revolving lines and acquisition finance
- Unsecured tranches up to $2M alongside secured facilities
- Covenant-light structures
- Multi-currency lending in USD, CAD, AED and GBP
- Decisions from a senior credit committee in days
- Available across the United States, Canada, the UAE, the UK and selected international markets
What You Can Finance
Acquisitions & Buyouts
Buy a competitor or fund a management buyout.
Market Expansion
Enter new regions or countries.
Capex
Invest in plant, machinery and technology.
Refinancing
Consolidate expensive or restrictive debt.
Working Capital Lines
Revolving access to cash as you need it.
Contract Finance
Fund large orders and government contracts.
Typical Requirements
- 2+ years of operating history
- Annual revenue typically $1M+
- Positive or improving EBITDA
- Clear use of funds and repayment plan
Documents We Will Ask For
- Executive summary and use of funds
- Two years of financial statements
- Year-to-date management accounts
- Projections for the loan term
- Debt schedule and organizational chart
You can upload these directly with your loan request form.
From Request to Funding in 4 Steps
Submit Your Request
Complete the loan request form and attach your executive summary and use of funds.
Receive a Term Sheet
A loan officer reviews your file and issues indicative terms, often within 24–48 hours.
Underwriting
We verify financials, collateral (if any) and your plan, with one point of contact throughout.
Close & Fund
Sign your loan documents and receive funds by wire, in USD, CAD, AED or GBP.
Frequently Asked Questions
What counts as an SME?
We generally work with businesses generating $1M to $100M in annual revenue across most industries.
Do you lend outside the United States?
Yes. We lend in the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets, in USD, CAD, AED and GBP.
Can part of the facility be unsecured?
Yes. Many SME facilities include an unsecured tranche of up to $2M alongside a secured term loan or line.
You May Also Consider
Small Business Loans
Simple, fast financing from $10K to $1M for main-street businesses, with secured and unsecured options.
Secured Business Loans
Larger amounts and sharper pricing backed by real estate, equipment, receivables, inventory or other assets.
Unsecured Business Loans
Capital without pledging property or equipment. Approved on cash flow, revenue and track record, with decisions in 24–48 hours.
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets
Ready to Talk About Your General SME Loans?
Submit your request with your executive summary and use of funds. A loan officer will respond within one business day. No application fee, no obligation.