4Syte
An independent asset-based lender writing facilities to £4m against receivables, inventory and plant, with a separate invoice finance line and a construction specialism.
What they do
4Syte lends against a borrowing base of invoices, inventory and plant and machinery, with asset-based facilities up to £4m and invoice finance from £75k to £2m, plus dedicated construction and trade finance lines and a property-secured book. Funding comes from wholesale lines rather than deposits: a NatWest facility of up to £100m guaranteed under a British Business Bank programme in 2025, and a securitisation platform backed by GB Bank in 2026, together roughly doubling capacity. Offices run from Chelmsford to London, Banbury and Manchester.
Where they fit in a lower-mid-market raise
The firm says yes on smaller, event-driven and restructuring situations that clearing banks and larger asset-based lenders decline: management buyouts and buy-ins, acquisitions, mergers and complex restructurings where the assets are there but the story needs work. Within a £3–15m raise it is the working-capital or receivables tranche rather than the senior facility, and the construction line is a genuine specialism in a sector many lenders avoid.
Where they are not the fit
Facility sizes cap at £4m on asset-based lending and around £2m on invoice finance, so this lender cannot fund a full lower-mid-market senior requirement alone. It works alongside a senior lender or at the very bottom of the band. Pricing is not published, and delegated authority limits are not disclosed.
Published terms
- Pricing
- Not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- Both sponsor-backed and owner-managed borrowers
- Where they lend
- Offices Chelmsford (HO), London, Banbury, Manchester
- How they decide
- Independent; in-house credit; delegated authority limits not published
- Security
- A borrowing base over receivables, inventory and plant; receivables
As published by the lender and last reviewed June 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
4Syte lends through 2 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether 4Syte lends, but which of these would own it.
Asset-based lending
- Facility
- up to £4m
- Security
- A borrowing base over receivables, inventory and plant
- Funds
- Acquisition · Growth · MBO · Refinance · Turnaround
- Rules out
- Max facility £4m so cannot solo-fund most £3-15m senior needs
Invoice finance
- Facility
- £75k to £2m
- Security
- Receivables
- Funds
- Growth · Refinance
- Rules out
- Small-ticket working capital
How they sit against the category
- Its published ceiling is £4m; 28 of the 40 asset-based lenders here go at least as high.
- Like 29 of the 40, it publishes no indicative price — a margin comes from a conversation, not a page.
Counted across the 40 asset-based & asset-finance lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does 4Syte write?
Published facilities reach £4m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
What security does 4Syte take?
On the published terms, a borrowing base over receivables, inventory and plant or receivables. What a lender takes on a given facility is set in the documents, not by a published stance.
Does 4Syte lend to companies without a private-equity sponsor?
Yes. 4Syte lends to owner-managed and sponsor-backed borrowers alike, so a company with no private-equity backer is not out of scope on that ground.
Where does 4Syte lend?
4Syte lends offices Chelmsford (HO), London, Banbury, Manchester.
On the record
September 2025: Agreed up to £100m NatWest facility under a British Business Bank ENABLE Guarantee (back-to-back ABL), roughly doubling invoice-finance and ABL capacity.
April 2026: Secured GB Bank funding via Balder Capital multi-issuance securitisation platform, capacity to grow to £100m.
Sources: 4syte.co.uk
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.