Heligan Debt Advisory

Whether you're scaling, entering new markets or managing a key transition, accessing the right capital is critical.

At Heligan, we help our clients raise debt or equity with clarity and confidence - connecting them with funding that matches their ambition and supports long-term business success.

Our dedicated debt advisory and fundraising services are designed around one goal: helping business leaders navigate complex funding landscapes while staying focused on what they do best running and growing their businesses.

A partner in every stage of the process

From preparing a compelling financial model to managing negotiations with lenders or investors, we take full ownership of the process. Our team structures and delivers tailored funding solutions across a wide range of sectors, drawing on experience across advisory, lending, and investment.


We manage every stage - from market testing and term sheet structuring through due diligence, legal processes and closing. It’s a hands-on, relationship-led approach that ensures our clients remain in control and well-informed throughout.

Debt advisory with perspective

Our debt specialists work with SMEs, mid-corporates, property developers and investors typically seeking between £5m and £150m in funding. We work across the capital structure, and we know how to align the right capital with the right business plan.

What makes our approach different is our ability to see the full picture. Our team combines backgrounds in direct lending, industry, and investment - giving us a practical understanding of what funders are looking for and how to structure a deal that works on all sides.

We work with shareholders and management teams to raise private capital for growth, acquisition, or recapitalisation. Whether it’s strategic equity from family offices or private equity investment, we support clients through every aspect of the process - from preparing investor materials to leading conversations and managing exclusivity.

We’re independent, which means we work solely in our clients’ interests - and our extensive network of investors helps us identify the right long-term partner for your business. 

Property Sector Quarterly Report

House prices are stabilising, but rising build costs and tight funding are squeezing margins—especially for smaller developers. Regional growth is strongest in the North and Midlands, student housing remains resilient, and commercial sectors continue to face pressure from shifting demand and higher costs.

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Forward Funding

Forward funding is a development finance model where investors agree to fund and purchase large-scale property projects upfront, offering developers capital and a secure exit while allowing funders control over delivery and returns; particularly active in sectors like PBSA and BTR despite recent market shifts.

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Debt financing FAQs: Your questions answered

  • What debt options are available to me?

    We offer a comprehensive range of debt solutions tailored to your needs, whether you’re experiencing growth, financing an acquisition, property development or investment, or restructuring shareholder equity. Our options include secured asset solutions, working capital facilities, and unsecured cash-flow loans. With direct relationships with a wide spectrum of lenders - from major banks to alternative debt funds - we ensure you're matched with the best provider for your objectives.

  • How do I know I'm getting the best deal from a lender?

    The best way to secure the right deal from a lender is by running a competitive process—something a professional adviser can manage for you. At Heligan, we negotiate directly with multiple lenders, allowing you to compare more than just interest rates. We look at alignment with your business goals, flexibility in terms, and a lender’s ability to support future growth—even when things don’t go to plan. Having an expert manage this process not only saves time but helps avoid early relationship friction with lenders, giving you the best chance of securing funding on terms that truly work for you.

  • How can Heligan help me prepare for debt?

    At Heligan, we help you prepare thoroughly for debt financing with a structured process tailored to your business. Our preparation phase, often up to three months; ensures your financials, business plan, and key documents are presented clearly and aligned with lender expectations. Many businesses have the right information but not in a format that funders understand or trust. We reshape that narrative, making your proposition more compelling to lenders. From preparation through to negotiation, due diligence, and legal completion, we manage the entire process - freeing you to focus on running your business while we focus on securing the right deal.

  • What are debt covenants?

    Debt covenants are financial or operational conditions set by lenders as part of a loan agreement. They act as early warning indicators to monitor a borrower’s performance and ensure the lender is alerted if things start to go off track. Covenants aren’t designed to trip you up, they're there to protect both sides. At Heligan, we help clients understand, negotiate, and plan for these covenants upfront, including stress-testing scenarios. That way, you enter the funding relationship fully informed and with terms that reflect your business’s reality.

  • What happens if I trigger a covenant breach?

    If you breach a covenant, the most important thing to do is communicate with your lender immediately. In most cases, lenders don’t want to call in the loan; they want to find a solution. Covenant breaches often present an opportunity to re-engage, explain the situation, and renegotiate terms. At Heligan, we help clients manage this process, working proactively with lenders to maintain trust and avoid escalation. The key is preparation and transparency; understanding your covenants in advance and having a plan in place if performance deviates from expectations.

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Get in touch today to explore how we can support your future needs. 

This firm is regulated by the Institute of Chartered Accountants in England and Wales for a range of investment business activities. This firm is not authorised under the Financial Services and Markets Act 2000 but we are able in certain circumstances to offer a limited range of investment services to clients because we are members of the Institute of Chartered Accountants in England and Wales. We can provide these investment services if they are an incidental part of the professional services we have been engaged to provide.

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