Our Process
A structured five-step process designed to move from initial conversation to funded transaction — typically within 2 to 4 weeks.
24hrs
Initial Response
5
Step Process
2–4
Weeks to Funding
8/10
Success Rate
The Process
Every engagement follows the same disciplined process — ensuring we understand your business, structure the right solution, and deliver with speed and precision.
1
We begin by understanding your business, the context of the funding requirement, and your objectives. This is a confidential, no-obligation conversation — and it's where we assess whether LMF is the right fit for your situation.
Understanding your business model, revenue streams, and cash flow dynamics
Clarifying the funding objective — acquisition, growth, bridge, or restructure
Assessing the timeline and urgency of the requirement
Identifying the appropriate funding structure at a high level
2
We gather and assess the information required to structure a formal proposal. This is where our banking discipline comes in — we know exactly what funders need to see, and we help you present it in the most compelling way.
Financial statements, management accounts, and cash flow projections
Security assessment — property, debtors, assets, or other collateral
Business background, ownership structure, and key contracts
Identification of any structural issues that need to be addressed
3
We develop a persuasive funding case grounded in banking and investment principles. This is the core of what LMF does — translating your business reality into a fundable narrative that resonates with lenders.
Refining the funding narrative to address lender concerns proactively
Structuring the security package to maximise funding probability
Determining optimal facility size, term, and repayment structure
Preparing a formal credit memorandum for funder presentation
4
We engage appropriate funders from our network of private credit funds, family offices, and specialist lenders — and negotiate optimal terms on your behalf. Our relationships and track record mean we get decisions faster.
Targeted engagement with the most appropriate funders for your transaction
Negotiating pricing, terms, and conditions on your behalf
Managing the funder due diligence process efficiently
Securing term sheet and credit approval
5
We assist with legal finalisation and ensure swift release of funds. Our involvement doesn't end at credit approval — we stay engaged through to drawdown to ensure nothing slows the process down.
Coordinating with legal teams on loan agreement and security documentation
FICA and KYC compliance support
Managing conditions precedent to drawdown
Ensuring swift release of funds once all conditions are met
Why Our Process Works
Our team are former bankers and structured-finance professionals. We know exactly how credit committees assess risk — and we structure your application to address those criteria from the outset, not as an afterthought.
We maintain active relationships with private credit funds, family offices, and specialist lenders. When we bring a transaction, it gets attention — because our track record means funders trust our deal selection and structuring.
We understand that time-sensitive opportunities don't wait. Our process is designed for speed without sacrificing rigour — 2 to 4 weeks from mandate to funded is our standard, not our exception.
Ready to start?
A confidential, no-obligation conversation to understand your business and your funding requirement. That's all it takes to get started.
Book an Initial Conversation