Triple Point
London-based private markets manager with a dedicated private credit arm lending directly to UK SMEs and mid-market businesses across cashflow, asset and specialty finance structures.
What they do
Triple Point is an FCA-regulated private markets manager (founded 2004, c.£2.9bn group AUM) whose Private Credit division lends directly to UK businesses across six product lines: SME Debt Finance (cashflow loans, sponsor and non-sponsor), Corporate Leasing and Lending (asset finance and working capital), Specialty Finance (wholesale/warehouse lines to other lenders), Property Development Finance, Fund Finance (GP/sub-line/NAV), and Public Sector Finance. The SME Debt Finance team targets event-driven transactions — acquisitions, buy-and-build, organic growth — for both PE-backed and owner-managed businesses. The corporate leasing book covers hard and soft assets on 1–7 year terms. All lending is relationship-led and introduced via intermediary partners.
Where they fit in a lower-mid-market raise
Triple Point is a credible first call for lower mid-market businesses seeking £3–15m of senior or unitranche acquisition or growth debt, particularly where a clearing bank would require excessive covenant rigidity or where speed and structural flexibility matter. Their explicit sponsor coverage and non-sponsor appetite makes them usable across both PE-backed and founder-led mandates. The corporate leasing book is relevant where the facility is asset-backed and the borrower needs working capital or capex flexibility rather than pure cashflow lending.
Where they are not the fit
Less suited to businesses below £1–2m EBITDA where the ticket falls below their practical minimum. Their wholesale/specialty finance product is aimed at other lenders, not operating companies. Property development mandates go to a separate team with its own eligibility (experienced developer, residential, max 65–70% LTGDV). Businesses requiring a listed-market or AIM-denominated instrument are not a fit — Triple Point focuses on private, unquoted companies.
Published terms
- Pricing
- Not published
- Speed to terms
- ~4-8 weeks initial enquiry to completion (mid-point ~42 days)
- Sponsored or sponsorless
- Both - explicitly sponsor and non-sponsor event-driven; private equity-introducer track record and direct
- How they decide
- Flat structure; originators hold real credit decision-making autonomy ('certainty of deliverability'). ~4-8 weeks enquiry to completion. Credit-committee cadence not published. Authority is delegated below committee on at least part of the book
- Security
- A debenture over the company
- Covenants
- Maintenance covenants, tested every period
- Search funds and ETA
- Lends to search-fund and entrepreneurship-through-acquisition buyers on the published evidence
As published by the lender and last reviewed July 2026. Terms quoted on a deal are set by the credit, not by a published band.
What rules a deal out
Stated limits, taken from Triple Point’s own published criteria. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- Prefers asset-light, people-centric, recurring-revenue businesses
- Avoids cyclical or capital-intensive or retail or asset-heavy sectors
- No appetite in adult, asset-heavy, capital-intensive, crypto or cyclical
How they sit against the category
- Its published ceiling is £10m; 31 of the 46 private-credit funds here go at least as high.
- It opens lower than almost all of them, at £1m.
- Like 31 of the 46, it publishes no indicative price — a margin comes from a conversation, not a page.
Counted across the 46 private-credit & direct-lending funds 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 Triple Point write?
Published facilities run £1m to £10m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Triple Point move?
~4-8 weeks initial enquiry to completion (mid-point ~42 days). Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
What security does Triple Point take?
On the published terms, a debenture over the company. What a lender takes on a given facility is set in the documents, not by a published stance.
Does Triple Point lend to search funds or ETA buyers?
Yes, on the published evidence. Triple Point lends to search-fund and entrepreneurship-through-acquisition buyers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
Does Triple Point lend to companies without a private-equity sponsor?
Yes. Triple Point 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.
What covenants does Triple Point set?
Maintenance covenants, tested every period. A covenant package is negotiated on the facility; the published style is where the negotiation starts.
On the record
Triple Point Investment Management LLP is FCA-authorised with firm reference number 456597; Triple Point Administration LLP holds FRN 618187.
Triple Point was founded in 2004 and manages approximately £2.9bn of assets across private credit, housing, energy transition and venture strategies (as at April 2025).
The Private Credit division deployed over £1 billion in 2024.
Triple Point employs 240+ people (as at 31 March 2026).
Triple Point received B-Corp certification in 2023 with a score of 97.6.
Triple Point arranged £21m of facilities for a UK manufacturer via its SME Debt Finance team (announced 2025 on LinkedIn).
Triple Point secured a £40m corporate revolving credit facility for MT Finance, a property finance lender, via its Specialty Finance (wholesale) team.
Corporate Leasing and Lending facility range is publicly stated as £1m–£30m on terms of 1–7 years.
Property Development Finance is offered up to £20m at maximum 65–70% of gross development value, targeting residential and mixed-use schemes.
Ranked in Experian M&A Review FY2024 as a top UK debt provider.
Triple Point's SME Debt Finance team originated the senior debt for the acquisition of Water Babies (world's largest baby swim school) by Elmsley Capital and Westerly Group.
Sources: triplepoint.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.