Pollen Street Capital

Level is a probate and family litigation funder in the UK. They provide services that allow clients to access their settlements or inheritances early, which can be used to cover legal costs, fees, or living expenses. The company was co-founded by George Williamson, who currently serves as the Chief Executive Officer.

Kingswood Holdings Limited is a wealth management firm based in London, England, specializing in investment management and financial planning services. Established in 2010, the company offers a range of advisory services, including asset protection, estate planning, retirement planning, and tax and succession planning. Kingswood caters to a diverse clientele, including individuals, family offices, charities, trusts, institutions, and corporations. In addition to wealth management, the firm provides managed, personal, and bespoke portfolio services, as well as cash management and foreign exchange services. Originally known as European Wealth Group Limited, the company rebranded to Kingswood Holdings Limited in September 2018, reflecting its evolution and broader service offerings.

OrderYOYO is a European technology company that specializes in providing an online ordering system tailored specifically for restaurants and takeaways. Its platform includes a branded website, mobile applications for iOS and Android, and comprehensive order, payment, and menu management systems. By integrating business intelligence and user data analytics, OrderYOYO enables restaurants to optimize their operations and marketing efforts. The company also offers tools for social media promotion, email marketing, and Google optimization, helping clients to reach new customers and convert them to direct orders. With a strong presence in the UK, Germany, Denmark, Ireland, and Austria, OrderYOYO aims to enhance profitability for its restaurant partners through its usage-based SaaS solutions and dedicated B2B customer support.

365 finance is a trading name of 365 Business Finance Limited and serves as a direct financial provider. The company specializes in offering business cash advances as a flexible alternative to traditional bank loans. It caters to small and medium-sized enterprises (SMEs) by providing quick and accessible funding solutions. The services are designed to help businesses manage cash flow, invest in growth opportunities, and navigate financial challenges. With a focus on customer-centric financial products, 365 finance aims to support the financial health and expansion of its clients.

Knave is a provider of rental services that specializes in offering turn-key solutions for BtoB clients looking to integrate rental services into their existing operations. Their offerings include a mobile application for consumer use, fleet financing, lease-back options, fleet management systems, asset insurance, and customer care services. Initially focused on the mobility sector, Knave's services can be adapted to a wide range of assets. Current clients include car manufacturers, hotels, and hospitality groups. Additionally, the company facilitates the rental of electric vehicles, promoting shared and clean mobility solutions that are user-friendly and easy to charge, thereby supporting eco-friendly commuting options.

Fundu was established to facilitate financing opportunities for Finnish growth companies. Access to bank loans by growth companies has become more difficult and equity investments are also under stone. Yet there is demand for finance. They Finns are a knowledgeable and innovative nation - and funding is needed to implement ideas. They want to target investments where they have the greatest economic impact. They want to channel funding directly into the growth companies' cash registers, to make the right investments, recruitment and economic growth. All Finns benefit from this.

Tessin, established in 2014 and headquartered in Stockholm, is a pioneering real estate crowdfunding platform. It connects investors directly with property development projects, bypassing complex fee structures and intermediaries. Tessin generates revenue through loan brokerage fees within Sweden and Finland, offering returns previously accessible only to professional investors.

Keylane is a provider of modern, customer-centric software solutions specifically designed for the insurance and pension industries. The company offers a range of flexible software systems that feature standard modules and advanced functionalities, allowing clients to adapt their products without requiring technical assistance. Keylane's expertise enables insurance and pension providers to streamline their operations, reduce costs, and bring innovative products to market more quickly, ultimately enhancing customer satisfaction. By leveraging state-of-the-art technology, Keylane supports its clients in transforming their daily operations and improving overall efficiency.

Etops provides a wide range of solutions and services tailored to the financial industry, helping organizations achieve their digitalization objectives. Their offerings include data collection, refinement, and aggregation, as well as high-end operations, consulting, integration projects, reporting, data analytics, and mobile apps. Etops delivers both customized solutions and platform-oriented products, covering the full value chain for private banks, asset and wealth managers, family offices, and pension funds. Their services span from lead generation and CRM to portfolio management, compliance, and reporting, supporting clients in optimizing their operations and enhancing their digital capabilities.

FinBee, established in 2015 by Laimonas Noreika, is an online platform specializing in peer-to-peer (P2P) lending services. It connects borrowers seeking personal or business loans with investors, facilitating transactions through a secure, Baltic States-based bank account. FinBee aims to provide borrowers with competitive, low-interest rates and lenders with attractive, risk-managed returns. The platform also offers additional financial services such as working capital, business development, and accounting support to help borrowers manage their finances effectively.

Capify specializes in providing business loans and financial services to small and medium-sized enterprises (SMEs) in the United Kingdom. Utilizing a proprietary online technology platform, Capify offers loans of up to £50,000, with repayment terms tailored to align with a business's cash flow and average turnover. In addition to traditional loans, the company provides various financial solutions, including merchant cash advances, working capital funding, and equipment financing, aimed at helping businesses sustain and grow. Qualified applicants can receive funds directly into their business bank accounts within days, streamlining the funding process for SMEs.

Mattioli Woods is a UK-based provider of wealth management and employee benefit services, established in 1991 and headquartered in Leicester. The company operates through several key segments, including Pension Consultancy and Administration, Investment and Asset Management, Property Management, and Employee Benefits. It offers a comprehensive range of financial planning services, encompassing trust and estate planning, exit strategies, and executive financial counselling. Additionally, Mattioli Woods provides investment products tailored to client strategies, alongside self-invested personal pension schemes and trustee services. In the property sector, it delivers services such as real estate investment trusts, mortgage advice, and property insurance. The firm also specializes in employee benefits, offering pension and workplace savings solutions, health and wellbeing services, and employee engagement programs. By focusing on building long-term relationships, Mattioli Woods aims to deliver personalized advice and effective financial solutions for a diverse clientele that includes business owners and medium to large corporates.

Kingswood Holdings Limited is a wealth management firm based in London, England, specializing in investment management and financial planning services. Established in 2010, the company offers a range of advisory services, including asset protection, estate planning, retirement planning, and tax and succession planning. Kingswood caters to a diverse clientele, including individuals, family offices, charities, trusts, institutions, and corporations. In addition to wealth management, the firm provides managed, personal, and bespoke portfolio services, as well as cash management and foreign exchange services. Originally known as European Wealth Group Limited, the company rebranded to Kingswood Holdings Limited in September 2018, reflecting its evolution and broader service offerings.

Clearco is an online financial platform focused on providing growth capital to e-commerce and B2B companies. The company leverages proprietary software and data science models to identify high-growth funding opportunities. Clearco offers funding in exchange for a percentage of future revenue, allowing startups to secure the necessary capital for expansion without diluting their equity. This innovative approach enables businesses to access an alternative funding source tailored to their unique growth trajectories.

Assessio is a company that specializes in talent assessment services aimed at enhancing human capital management. They offer expertise in management audits, assessments, human due diligence, and leadership development, as well as team development. By focusing on these areas, Assessio assists clients in creating efficient human resource processes and streamlining comparative evaluations, ultimately improving organizational effectiveness.

Bunq is a Dutch online bank that provides a variety of financial services, including current accounts, savings accounts, debit cards, and payment processing. Distinguishing itself from traditional banks, bunq focuses on user experience and innovation, offering features such as real-time payments, instant money transfers, and the ability to create multiple sub-accounts for specific savings goals. The bank also prioritizes sustainability by allowing users to plant trees with each transaction. Operating under a government-issued banking license, bunq facilitates dedicated bank accounts and enables businesses to issue debit cards to employees for real-time payments. Furthermore, the company offers an open API, which allows developers to create third-party applications and integrations, thereby enhancing the overall banking experience. Bunq aims to deliver a modern and user-centric approach to banking through technology and innovation.

365 Business Finance is changing the way small and medium-sized business owners obtain funding, with fast and flexible merchant cash advance solutions. Time is important, and clients need quick answers. At 365 Business Finance, our advances can be approved in as little as 24 hours. Merchant Cash Advances, also known as Business Cash Advances, are a quick and easy way to convert future credit and debit card sales into immediate cash to utilize for any business purpose. They are specifically designed to help manage the cash flow of a business. We fund from £5, 000 - £200,000 to sole traders, partnerships and limited companies across the United Kingdom. Repayments mirror your card sales meaning that our clients only repay when they sell. There is no fixed-term or APR associated with the advance, just a simple fee agreed up-front which never changes. The 365 Business Finance, Broker and Introducer network is growing all the time and brokers benefit from High Conversions coupled with High Commissions. We also offer our brokers Commission on renewals where our merchant retention rate is exceptional.

Octopus Electric Vehicles focuses on electric vehicle leasing for both personal and business needs, offering a diverse selection of vehicles from brands such as Tesla, Polestar, Volvo, Audi, and BMW. In addition to leasing, the company provides expert guidance on electric vehicles and facilitates access to favorable deals. Octopus Electric Vehicles also features a distinctive service called Octopus Powerloop, which enables electric cars to store green energy during off-peak hours and return it to the grid during peak demand. To enhance customer convenience, they offer affordable electric car tariffs through Octopus Energy, streamlining the process of charging and energy consumption. Their comprehensive services further include vehicle maintenance, home-charging installations, and assistance with purchasing electric cars, making the transition to electric vehicles more accessible and cost-effective.

MSP Capital is a financial services company that specializes in asset-based, short-term financing and bespoke lending solutions for professional property investors and businesses across the United Kingdom. The firm offers funding solutions ranging from £30,000 to £10 million, catering to clients looking to grow, expand, acquire new properties, or restructure existing ones. MSP Capital is particularly adept at providing tailored financing options for borrowers with businesses requiring turnaround or recovery plans. By focusing on swift delivery of finance packages, the company aims to assist clients in effectively utilizing the capital injection to achieve profitable outcomes.

Iwoca Ltd. is a credit finance provider based in London, United Kingdom, that specializes in offering financial services to small businesses. Founded in 2011, the company assists various sectors, including retailers, restaurants, and service providers, by providing unsecured business loans and short-term cash loans. Iwoca's financing solutions help businesses address short-term cash flow gaps and invest in growth opportunities such as inventory, technology, and employee expenses. The platform features a streamlined online application process, allowing clients to secure funding with flexible repayment options ranging from one day to 24 months, and there are no penalties for early repayment. Through its services, Iwoca enhances the financial capabilities of small businesses, enabling them to thrive in a competitive market.

Onto Ltd is a UK-based company that specializes in electric vehicle subscription services, allowing customers to drive electric cars without the long-term commitment of ownership. Founded in 2017 in Warwick by Rob Jolly and Dannan O’Meachair, Onto offers an all-inclusive package that covers various aspects of vehicle usage, including insurance, breakdown cover, maintenance, charging solutions, and road tax. This hassle-free model enables users to easily access vehicles from depots by paying a single subscription fee that encompasses all related costs, facilitating a seamless transition to electric driving. The company, formerly known as EVezy, rebranded to Onto Ltd in July 2020 and operates from Birmingham.

PAIR Finance GmbH, founded in 2016 and based in Berlin, Germany, specializes in digital debt collection services, primarily serving various industries including telecommunications, financial services, e-commerce, and energy. The company leverages artificial intelligence, behavioral analytics, and data science to transform receivables management into a sustainable and customer-focused process. With a platform designed for efficient claims management, PAIR Finance enables businesses to communicate digitally with defaulting customers, facilitating quicker settlement of open debts. The firm has established partnerships with over 600 companies and employs more than 250 professionals, positioning itself as a leader in AI-based debt collection in Europe. PAIR Finance is backed by notable private equity investor Pollen Street and aims to enhance risk management for its clients while driving revenue growth.

Doorvest Inc. is a real estate investing platform based in San Francisco, California, that was founded in 2019. The company focuses on assisting busy professionals in identifying, purchasing, and managing rental homes for passive income generation. Its end-to-end platform streamlines the investment process by providing comprehensive tools for users to acquire income-generating properties. Doorvest offers transparency through an investor dashboard that details monthly cash flow, property activities, and essential legal documents, allowing users to effectively track their investments. By facilitating the ownership of rental homes, Doorvest enables individuals to build equity and create a reliable source of income.

Reduced is a food production company focused on creating natural flavor enhancers from upcycled produce and surplus organic materials. The firm specializes in developing food products that utilize ingredients such as seaweed, shore crabs, egg-laying chickens, and bull calf bones, thereby addressing food waste while promoting sustainability. By leveraging these resources, Reduced aims to provide consumers with healthy, environmentally friendly food options that enhance culinary experiences.

365 Business Finance is changing the way small and medium-sized business owners obtain funding, with fast and flexible merchant cash advance solutions. Time is important, and clients need quick answers. At 365 Business Finance, our advances can be approved in as little as 24 hours. Merchant Cash Advances, also known as Business Cash Advances, are a quick and easy way to convert future credit and debit card sales into immediate cash to utilize for any business purpose. They are specifically designed to help manage the cash flow of a business. We fund from £5, 000 - £200,000 to sole traders, partnerships and limited companies across the United Kingdom. Repayments mirror your card sales meaning that our clients only repay when they sell. There is no fixed-term or APR associated with the advance, just a simple fee agreed up-front which never changes. The 365 Business Finance, Broker and Introducer network is growing all the time and brokers benefit from High Conversions coupled with High Commissions. We also offer our brokers Commission on renewals where our merchant retention rate is exceptional.

Ding is a leading international provider of mobile phone top-ups, allowing users to recharge their mobile accounts and send gift cards easily. Founded in 2006, the company has established itself as a vital link for families and friends to stay connected globally, processing top-ups every second through its app, website, and over 600,000 retail outlets. Operating in more than 130 countries, Ding connects over four billion mobile phones via partnerships with over 400 network operators. Headquartered in Dublin, Ireland, the company also has regional offices in major cities around the world, including Barcelona, Bucharest, Dhaka, Dubai, Paris, and San Salvador. With a diverse team of over 200 employees, Ding aims to deliver innovative and accessible technology to both developed and emerging markets.

Onto Ltd is a UK-based company that specializes in electric vehicle subscription services, allowing customers to drive electric cars without the long-term commitment of ownership. Founded in 2017 in Warwick by Rob Jolly and Dannan O’Meachair, Onto offers an all-inclusive package that covers various aspects of vehicle usage, including insurance, breakdown cover, maintenance, charging solutions, and road tax. This hassle-free model enables users to easily access vehicles from depots by paying a single subscription fee that encompasses all related costs, facilitating a seamless transition to electric driving. The company, formerly known as EVezy, rebranded to Onto Ltd in July 2020 and operates from Birmingham.

Bunq is a Dutch online bank that provides a variety of financial services, including current accounts, savings accounts, debit cards, and payment processing. Distinguishing itself from traditional banks, bunq focuses on user experience and innovation, offering features such as real-time payments, instant money transfers, and the ability to create multiple sub-accounts for specific savings goals. The bank also prioritizes sustainability by allowing users to plant trees with each transaction. Operating under a government-issued banking license, bunq facilitates dedicated bank accounts and enables businesses to issue debit cards to employees for real-time payments. Furthermore, the company offers an open API, which allows developers to create third-party applications and integrations, thereby enhancing the overall banking experience. Bunq aims to deliver a modern and user-centric approach to banking through technology and innovation.

Proactis Holdings PLC is a business software developer that specializes in spend management solutions, offering a comprehensive suite of tools aimed at optimizing procurement and financial processes. Founded in 1996 and headquartered in Wetherby, the United Kingdom, Proactis provides a range of services including spend control, eProcurement, purchasing automation, invoice data capture, and supplier management. The company serves a diverse set of sectors, including public services, education, retail, and healthcare, operating in the UK, Europe, the United States, and beyond. Proactis aims to help organizations enhance efficiency and reduce costs by transforming their purchasing and selling practices, thereby facilitating smoother business transactions and interactions. With over 3 million users across more than 100 countries, Proactis supports approximately 1,000 enterprise clients by enabling them to streamline their operational processes and improve spend visibility.

Markerstudy Group is a privately-owned organization based in Bessels Green, Kent, primarily engaged in the insurance sector. The company is known for its association with several insurance brands, including Markerstudy Insurance, Zenith Insurance, and Geoffrey Insurance Services, as well as direct brands like Supercover Insurance and The Insurance Factory. Markerstudy Insurance specializes in motor insurance products, while its offerings extend to home, small and medium-sized enterprises (SMEs), and pet insurance services. By leveraging digital platforms and advanced data science, the group aims to provide a comprehensive range of insurance solutions that support its broker partners and enhance customer protection. The insurance companies under Markerstudy Group are located in Gibraltar, reflecting its expanding operational footprint in the industry.

Koalafi is a consumer financing platform that enables merchants to offer flexible pay-over-time plans to customers, regardless of their credit history. Founded in 2014, the company serves over 15,000 retail locations and online businesses across the United States. Koalafi specializes in point-of-sale financing for a variety of products, including furniture, mattresses, appliances, tires, and HVAC systems. By utilizing advanced technology and analytics, Koalafi facilitates a seamless financing experience that allows consumers to procure goods and services through manageable payment plans. This approach not only enhances customer access to desired merchandise but also helps merchants increase their sales and grow their businesses.

Infinity International Limited specializes in foreign exchange risk management and international money transfer services for corporate and institutional clients. Established in 2007 and headquartered in London, the company also maintains offices in Spain, Portugal, and France. Its comprehensive offerings include spot contracts, forward contracts, flexible forward contracts, market orders, and structured products, along with foreign exchange management and hedging solutions. Additionally, Infinity International provides credit for hedging products, money transfer services, and access to an online trading platform. As of May 2019, it operates as a subsidiary of Foreign Currency Direct Plc, reinforcing its position as a market leader in the foreign exchange sector.

BidX1 is a digital property company that leverages technology to simplify and enhance the buying and selling of real estate. It operates an online property auction platform that allows users to transact from anywhere in the world, facilitating the purchase and sale of both residential and commercial properties. With a track record of selling over 8,000 assets and raising more than €1.4 billion, BidX1 has established itself as the second largest auction house in Britain and Ireland. The platform promotes efficiency and security in property transactions, providing a seamless and transparent experience for both buyers and sellers across various asset types, including city center apartments and commercial investment portfolios.

Jaja Finance Limited is a fintech company based in London, United Kingdom, founded in 2015 by three Norwegian entrepreneurs. The company specializes in offering digital and physical credit cards along with various financing services, emphasizing simplicity, functionality, and security. Jaja Finance develops a mobile-controlled platform that integrates with digital wallets, allowing users to manage their accounts in real-time, modify repayments, and receive intelligent notifications to help meet payment deadlines. The company also provides co-branded credit card products and payment solutions, in partnership with entities such as Bank of Ireland UK, the UK’s Automobile Association, and Asda, enabling financing at the point of sale for online purchases. Jaja Finance aims to revolutionize the British credit card market by leveraging technology to make credit management simpler and more accessible for consumers.

Capital on Tap is a provider of a comprehensive small business credit card and spend management platform designed to assist small business owners in managing their expenses and accessing funding. The platform features a streamlined application process that takes just two minutes, allowing most applicants to receive instant credit decisions. With Capital on Tap, businesses can issue unlimited employee cards, benefit from high credit limits, and earn cashback rewards on all purchases. The company has dedicated the past decade to understanding the needs of small business owners and has garnered recognition as one of Europe’s fastest-growing businesses. To date, over 200,000 small business customers have utilized their services, collectively spending more than $5 billion on Capital on Tap Business Credit Cards. By simplifying business funding and spending, Capital on Tap aims to save time and money for its users.

BIK Brokers Sp. z o.o. is a motor insurance brokerage firm established in 2000 and headquartered in Gdansk, Poland. The company specializes in providing insurance services primarily to business customers, with a particular focus on the corporate fleet management and leasing sectors. BIK Brokers has developed a strong presence in these expanding markets and is experiencing significant growth in its sales to corporate clients.

Fluro Platform Limited operates a peer-to-peer lending platform, Lending Works, which connects borrowers with investors. The company provides various lending solutions, including personal loans, debt consolidation, home improvement, wedding, and holiday loans, as well as car finance options. By facilitating secure and efficient transactions, Fluro aims to offer consumers affordable credit and provide investors with higher returns compared to traditional banks. The platform allows users to register online, transfer funds, select rates, and manage monthly repayments, ensuring compliance with regulatory standards. Established in 2012 and based in London, Fluro is dedicated to creating innovative and accessible financial solutions for both borrowers and investors.

Iwoca Ltd. is a credit finance provider based in London, United Kingdom, that specializes in offering financial services to small businesses. Founded in 2011, the company assists various sectors, including retailers, restaurants, and service providers, by providing unsecured business loans and short-term cash loans. Iwoca's financing solutions help businesses address short-term cash flow gaps and invest in growth opportunities such as inventory, technology, and employee expenses. The platform features a streamlined online application process, allowing clients to secure funding with flexible repayment options ranging from one day to 24 months, and there are no penalties for early repayment. Through its services, Iwoca enhances the financial capabilities of small businesses, enabling them to thrive in a competitive market.

Miles Smith is one of the UK’s schemes and affinities brokers and can trace its origins back to 1925. It is currently ranked in the country’s top 40 brokers and employs over 220 insurance, claims and risk management specialists, together with customer service and support staff. Its head office is situated in London and it also has offices in Suffolk and Bedfordshire. The Group writes in excess of £170 million GWP annually.

Visionblue Solutions is a customer-focused provider of compliant and efficient software solutions for the Credit & Debt Recovery sectors. The team at Visionblue strive to provide functionality to help our clients work through their assignments in the most efficient manner possible. We ensure that our staff have an in-depth knowledge of the industry in each of the regions we supply into so that we can provide practical and efficient solutions to our clients.

MW Eaglewood is a prominent asset management firm specializing in direct lending and peer-to-peer (P2P) investment strategies. Founded in 2011, the company has played a significant role in the evolution of the online direct lending sector, notably achieving the first securitization of peer-to-peer consumer loans. It operates through two main entities: MW Eaglewood Americas LLC, recognized for its innovative contributions to the asset class, and MW Eaglewood Europe LLP, which focuses on P2P loans and was established as a spin-off from Liberum Capital before being acquired by Marshall Wace in 2013. Both entities have received multiple awards for their pioneering work in the industry, reflecting their commitment to combining yield, credit quality, and duration while minimizing volatility and correlation with other asset classes.

Aryza is a company that specializes in designing and developing case management and process automation software tailored for corporate and personal insolvency practitioners primarily in the U.K., Ireland, and the Cayman Islands. Founded in 2002 and based in Dublin, Ireland, Aryza's software solutions enhance operational efficiency and ensure compliance with insolvency regulations in local jurisdictions. The company's offerings incorporate Open Banking and AI-driven decision-making, facilitating the automation of financial restructuring and recovery processes. By providing flexible software, Aryza supports a range of activities across the financial journey, assisting customers in managing debt, navigating the loan cycle, and gaining better control over their finances. The technology platform is scalable, addressing high-volume and complex needs within the insolvency, credit, and debt recovery sectors.

Deko is a technology company that specializes in connecting lenders and merchants to facilitate consumer financing. Its innovative multi-lender platform provides point of sale credit options that can be accessed online, in-store, or via email. By offering flexible financing solutions, Deko enables merchants to enhance customer experiences and drive sales. The company's technology is designed to deliver ethical and responsible financing options, ensuring that consumers receive the right financial support at the right time. Trusted by various leading retailers and lenders, Deko has established itself as a profitable and impactful player in the financial technology sector.

1st Stop Group Limited is a financial services provider based in Blackpool, United Kingdom. Established in 2004, the company offers a diverse array of financial products aimed at the retail marketplace. Its offerings include unsecured personal loans, secured loans for homeowners, car finance, and hire purchase services available for both homeowners and tenants. Through its various subsidiary companies, 1st Stop Group caters to the financial needs of consumers, facilitating access to credit and financing options.

Capitalflow is a financial services provider that specializes in enabling small and medium-sized enterprises (SMEs) to access capital by leveraging their asset base. The company offers a range of solutions, including asset finance, invoice discounting, and asset-based lending, which are designed to help businesses manage working capital and pursue growth opportunities. With a focus on delivering quality service and building strong relationships, Capitalflow utilizes modern infrastructure and draws on the expertise of its experienced management team. This team possesses a proven track record in generating returns across various economic conditions, supported by backing from Pollen Street Capital. By tailoring financial products to meet individual business needs, Capitalflow aims to simplify the financing process and support SMEs in achieving their unique goals.

Validis is a cloud-based FinTech company with a unique software that increases a lender’s access to their client’s financial data. Validis technology enables high-speed transmission of financial data via the web, allowing lenders to receive and review client data securely and efficiently. The software retrieves data directly from an SME’s accounting software package and generates extensive analytics and standardized “audit-in-a-box” reports that lenders can access via Validis’ pluggable feed or online portal. Validis enables lenders to respond swiftly to initial funding applications, reducing the time it takes to onboard clients and subsequently increasing lending rates. Once clients are onboard, Validis provides lenders with performance monitoring and covenant breakdown notifications so they can continue to lend with confidence.

Banca Sistema is a specialist bank headquartered in Milan, with additional offices in London and Rome. It focuses on providing financing solutions to Italian and multinational corporations by managing and collecting receivables from public administrations. The bank holds a significant position in its market, serving a diverse clientele that includes both blue-chip companies and small to medium enterprises (SMEs) seeking to enhance their working capital. Banca Sistema offers a range of financial services, including factoring, current accounts, time deposits, and credit management. Its operations are divided into several divisions, such as the Factoring Division, which deals with trade and tax receivables, and the Collateralized Lending Division, which focuses on collateral-backed loans. The bank's well-diversified funding sources, including retail deposits and wholesale finance, enable it to maintain attractive returns on equity while supporting its growth strategy.

Target Group Limited is a prominent provider of software and business process outsourcing services tailored for financial institutions in the United Kingdom, Australia, and New Zealand. Established in 1975 and headquartered in Cardiff, the company specializes in managing lending, investment, and insurance portfolios. Target Group offers a comprehensive suite of services, including loan and mortgage servicing, portfolio trading, and software solutions for insurance market digital distribution and policy administration. It also provides back-office administration services for the investment sector and business management software for regulatory compliance aimed at loan brokers and bridging lenders. Additionally, the company delivers professional services such as due diligence, legal title management, data analytics, and compliance support. Target Group serves over 50 major financial institutions globally, processing more than 18 million accounts and facilitating substantial direct debit collections annually. As of 2016, it operates as a subsidiary of Tech Mahindra Limited, with offices in several locations, including Newport, Chester, and Australia.

Erno Laszlo, Inc. is a luxury skincare brand established in 1927 and based in New York City. The company specializes in a wide range of skincare products designed to address various skin conditions, including hydration, exfoliation, and anti-aging. Its offerings encompass facial cleansers, toners, moisturizers, serums, eye care products, and masks. Known for its pioneering role in the skincare industry, Erno Laszlo has garnered a reputation for excellence, attracting a loyal clientele that includes iconic figures such as Marilyn Monroe and Jackie Kennedy. The brand distributes its products internationally, reaching markets in the United States, Europe, and Asia. By continuing to expand its presence, Erno Laszlo aims to reinforce its status as an authority in the skincare sector.

Shawbrook Bank is a specialist bank based in Brentwood, United Kingdom, that commenced operations in 2011. As a subsidiary of Shawbrook Group, it focuses on providing a range of banking services, including savings accounts, asset finance, commercial mortgages, consumer lending, secured lending, and business credit services. Shawbrook Bank targets markets that are often underserved by mainstream banks, aiming to establish deep relationships with its customers and business partners. By understanding their specific needs, the bank develops tailored products that help individuals and small to medium-sized enterprises grow and succeed. Shawbrook Bank prides itself on being straightforward, agile, and easy to work with, ensuring that its offerings balance risk, return, and customer requirements. The bank is authorized and regulated by the Prudential Regulation Authority and the Financial Conduct Authority.

CashFlows is an innovative provider of merchant payment solutions, catering to both small businesses and large corporations across various industry sectors. The company specializes in developing a payment portal that facilitates virtual transactions, offering features such as customer merchant acquiring, card issuance, and wholesale payment capabilities. Its cloud-based application enables users to transact quickly and securely, addressing the diverse needs and budgets of its clientele. With a focus on enhancing the payment experience, CashFlows continues to grow rapidly in the evolving financial technology landscape.

Link Loans is a secured lender based in the UK, specializing in providing secured loans to homeowners. Founded in 2010 by industry veterans David Johnson and Phillip George, the company quickly established itself as a market leader within 18 months. Link Loans offers a variety of secured second charge loans that cater to diverse needs, including home improvement, weddings, and education expenses. In July 2012, the company merged with Shawbrook Bank, which further strengthened its capacity for rapid growth in the lending sector.

Arrow Global is a leading provider of debt purchase and receivables management solutions in the UK and Europe. The company specializes in acquiring and managing both secured and unsecured loan portfolios, as well as real estate assets, on behalf of financial institutions, including banks and institutional investors. Arrow Global leverages data insights from over 35 million customer records across multiple countries to deliver personalized debt management services that are transparent and customer-focused. By offering affordable solutions, the company aims to help consumers manage their debt more effectively. Additionally, Arrow Global plays a significant role in supporting financial institutions in their efforts to deleverage and recapitalize, thereby enhancing mainstream lending in the market.

Established in 1980, Priory Group is Europe's leading independent provider of mental health care and related services. Based in London, the company operates a network of hospitals and rehabilitation centers that offer a wide range of treatments for mental health issues, including addiction, stress, depression, anxiety, eating disorders, and obsessive-compulsive disorders. Priory Group emphasizes individualized care, tailoring treatment programs to meet the unique needs of each patient. In addition to acute mental health care, the company provides secure and step-down services, specialist education, complex care, and neuro-rehabilitation services, including fostering and care homes. Priory Group's commitment to improving health and well-being positions it as a vital resource for those requiring mental health support and rehabilitation.

Catalina Holdings specializes in acquiring insurance and reinsurance companies and portfolios in well-regulated jurisdictions, focusing on Bermuda, the US, UK, and mainland Europe. With a track record of eighteen acquisitions averaging over $100 million each, Catalina offers owners finality through outright acquisition or partnership structures. By acquiring companies or portfolios in run-off, Catalina provides a clean exit for owners from liabilities and capital redeployment. The company is dedicated to maintaining the good reputation of acquired entities and addressing the concerns of businesses selling policies to new owners.

Pegasus Retirement Homes develops purpose built retirement properties in the United Kingdom. Pegasus Retirement Homes provides apartments for the active retired. Pegasus Retirement Homes was established in 1984 and is located in Cheltenham, United Kingdom.

Premium Aircraft Interiors Group is a supplier of interior components for passenger aircraft. The Premium group of companies comprising Sell, Heath Tecna, and Contour was a leading supplier of interior components for passenger aircraft, supplying a mixture of OE and aftermarket product to Boeing, Airbus, and airline customers, with a specialism in widebody platforms. The group’s companies are known for high-quality design and engineering and enjoy strong market shares in each of its segments as a result of industry-leading capabilities and high levels of customer satisfaction. The individual engineering businesses comprising the Premium group were divested via a series of transactions between 2010 and 2012.

Four Seasons Health Care Limited, established in 2004 and headquartered in Wilmslow, UK, operates care homes across the country. The company specialises in providing a wide range of care services tailored to the elderly, including nursing, residential, intermediate, specialist dementia care, and support for individuals with learning disabilities, mental health, and neurological conditions. Its mission is to enable clients to meet their home care needs within a supportive and caring environment.

Center Parcs is a prominent operator of holiday villages in the UK, having transformed the short break holiday market since its inception in Holland over 40 years ago and its expansion to the UK in 1987 with the opening of its first village at Sherwood Forest. Currently, Center Parcs manages five locations across the UK: Sherwood Forest, Elveden Forest, Longleat Forest, Whinfell Forest, and Woburn Forest. These villages are nestled in natural forest environments, offering a wide range of sports, leisure activities, dining options, retail outlets, and spa facilities, allowing guests to immerse themselves in a tranquil setting. Center Parcs enjoys a high annual occupancy rate exceeding 97%, reinforcing its status as a leader in the UK short break holiday market.

Moneycorp is a fintech company that specializes in international money transfer and foreign exchange services. The firm provides clients with comprehensive payment solutions, enabling them to efficiently navigate the complexities of cross-border transactions. Through its integrated online platform and telephone support, Moneycorp caters to the needs of small and medium-sized enterprises, corporate clients, and private individuals. The company's infrastructure is designed to facilitate seamless currency exchange and help clients implement effective risk management strategies. By prioritizing customer needs, Moneycorp aims to offer smooth and time-saving transaction experiences.

Allied London specializes in property development, focusing on mixed-use real estate projects in major cities such as London, Manchester, and Leeds. The company is dedicated to devising, designing, and delivering innovative developments and building concepts that often become landmarks in their respective areas. With a commitment to enhancing urban environments, Allied London aims to create spaces that blend residential, commercial, and cultural elements, contributing to the vitality of the communities they serve.

Malmaison and Hotel du Vin are prominent operators of boutique hotels in the United Kingdom, known for their distinctive charm and sophisticated ambiance. Malmaison is recognized as a pioneer in the modern metropolitan boutique hotel concept, offering guests unique accommodations in repurposed buildings such as converted churches, prisons, and former sorting offices. The brand emphasizes a chic atmosphere, with food and drinks playing a central role in its identity; the bars and brasseries are popular local destinations. Hotel du Vin complements this offering with its focus on stylish and comfortable settings, featuring a range of rooms and suites alongside vibrant dining experiences. Together, these brands create an inviting environment where guests receive personalized service, making every visitor feel special and celebrated.

Barchester Healthcare is one of the largest independent care providers in the United Kingdom, specializing in hospitals and assisted living facilities. Established in 1993, the company offers a range of services including inpatient care, assisted living, residential care, and dementia care. With a workforce of over 4,000 employees, Barchester is recognized for its commitment to quality care. It is also identified as the leading developer in the healthcare sector, actively engaged in multiple new-build projects. Barchester Healthcare operates as a wholly-owned subsidiary of Grove Ltd, a company based in Jersey, with management and staff holding approximately 10% ownership.

Morris Homes is one of the largest independently owned house builders in the UK, based in Cheshire. With over 60 years of experience, the company specializes in constructing residential properties across the North West, Midlands, and South of England. Morris Homes is recognized for its commitment to responsible development and its role in the regeneration of local communities. The company focuses on creating energy-efficient and sustainable homes, ensuring that customers take pride in their living environments. In addition to house building, Morris Homes offers property development services that include landscaping, house design, and the sale of new homes.

Towergate Insurance is a leading insurance brokerage and risk management services provider, established in 1997. As Europe's largest independently owned insurance intermediary, Towergate has achieved over £2 billion in gross written premium, employing more than 5,000 staff across over 120 offices in the UK. The company offers a diverse range of over 200 general and specialist insurance products tailored for various niche markets, including business interruption, cyber and crime insurance, and personal insurance for items such as boats and caravans. Towergate is particularly recognized for its significant presence in the UK SME market, focusing on innovative products and exceptional customer service. The company's approach emphasizes building trusted relationships with leading insurers and providing clients with comprehensive support, including risk management consultancy and employee benefits advice. Towergate's commitment to professionalism and innovation is central to its operations, supporting its mission to meet the evolving needs of its customers across the UK and beyond.

Southern Water Services Limited is a private utility company based in Worthing, United Kingdom, specializing in water supply and wastewater services in the southeast of England. The company provides drinking water to approximately 2.5 million people through an extensive network of 13,870 kilometers of mains, 91 water treatment works, and 188 service reservoirs. Additionally, Southern Water serves around 4.6 million people with wastewater services, treating and recycling 717 million liters of wastewater daily across 365 treatment works, utilizing a network of 3,243 pumping stations and 39,594 kilometers of sewers. The company's water sourcing primarily relies on nearly 70 percent from underground aquifers, supplemented by river and storage reservoir sources. Southern Water also offers property search information services, primarily catering to business customers and property developers. The company was incorporated in 1989 and is a subsidiary of SWS Holdings Limited, owned by Greensands Investments Limited, a consortium consisting of pension and infrastructure funds.

Splend Pty Ltd is a car rental company based in Sydney, Australia, that provides vehicles specifically for on-demand rideshare and delivery services, including Uber and UberEATS. Founded in 2015, Splend addresses the needs of individuals who may not have access to suitable vehicles for driving gigs. The company offers flexible rental and rent-to-own options, catering to a diverse clientele, including students, retirees, and single parents. In addition to vehicle access, Splend provides training, support, and data analytics to help drivers optimize their earnings and improve safety. By fostering a community among drivers, Splend aims to create a sustainable and rewarding environment for those seeking to earn an income through driving. Its services empower individuals to achieve their goals, whether that means becoming their own boss or owning a new car.

MSP Capital is a financial services company that specializes in asset-based, short-term financing and bespoke lending solutions for professional property investors and businesses across the United Kingdom. The firm offers funding solutions ranging from £30,000 to £10 million, catering to clients looking to grow, expand, acquire new properties, or restructure existing ones. MSP Capital is particularly adept at providing tailored financing options for borrowers with businesses requiring turnaround or recovery plans. By focusing on swift delivery of finance packages, the company aims to assist clients in effectively utilizing the capital injection to achieve profitable outcomes.