ENABLEON
DEBT ACCESS
Unlocking Access to Debt Finance for Businesses
We specialise in helping SMEs and fast-growth businesses secure the right debt funding. With decades of senior banking and finance experience, we know how to position your business to lenders - and how to make deals happen.
ABOUT US
Enableon was born out of a professional relationship that started 15 years ago, when Richard, the bank director, was lending to a business, where Nick was the FD.
Our relationship grew into a mutual respect for each other’s skills and values and over the years, we’ve shared ideas, challenges, and a belief that businesses deserve better access to debt finance.
Richard brings decades of experience from the banking world, while Nick has spent his career initially in leveraged finance and then as a FD raising and structuring debt principally for growth but also turnaround situations.
Together, we bring both sides of the table - an understanding of what lenders need and what business owners are going through.
And together we can help ambitious companies find the right funding to move forward with confidence.
WHAT WE DO
At Enableon Debt Access, we connect businesses with the right lenders and the right debt structures.
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We support business owners and finance teams in presenting their credit risk in the best possible light.
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We work alongside relationship directors to strengthen credit applications and give your business the best chance of success
Our approach is simple: we’ll work with you to find a way forward.
We help when:
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Borrowing needs increasing significantly due to pace of growth
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Solid and improving credit credentials aren't fully reflected in historic audited account.
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Working capital is urgently needed
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A deal or acquisition is time-critical
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A good opportunity simply needs common sense
WHO WE ARE
Nick Ball
Nick is a commercially minded CFO who has spent his career helping SMEs grow — through acquisitions, expansions, and multiple debt fundings and refinancings. He has led buy-and-build strategies, and secured funding for everything from working capital to international expansion.
What Nick brings:
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Big Four trained (Deloitte) Chartered Accountant, with 16+ years of FD and CFO experience.
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Hands-on experience with debt fundings, refinancings, turnarounds, acquisitions, and restructurings.
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Leveraged finance and Corporate Finance experience.
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A knack for simplifying complex finance into practical solutions.
Richard Cawdron
Richard has spent 30 years in senior roles across the UK banking sector, structuring deals for SMEs and fast-growth businesses. He’s seen what works — and what doesn’t — when it comes to getting lending opportunities through banks;' credit committees.
What Richard brings:
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Decades of banking experience in leveraged finance, restructurings, and new-to-bank lending.
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Big Four trained (PwC) Chartered Accountant, who speaks the language of both “bank” and “business.”
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A network of real relationships at senior levels across the UK banking sector from high street, challenger, VC and debt funds
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A passion for helping overlooked SMEs access the funding they deserve.
richard@enableon.co.uk
Neil Sturgeon
A senior specialist in Asset Based Lending and Receivables Finance, Neil brings over 40 years' experience advising corporates, lenders and sponsors on complex working capital solutions. He combines deep structuring expertise with extensive market relationships to design and deliver bespoke funding facilities across a wide range of sectors.
What Neil brings:
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Deep expertise in ABL, receivables finance and structured working capitakl funding.
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Proven experience structuring complex or non-standard facilities (£5-100m+).
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Strong understanding of lender credit dynamics and working capital cycles.
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Trusted relationships across lenders, sponsors, advisors and restructuring professionals.
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Practical insight from origination through to successful transaction execution.
OUR SERVICES
OBTAINING DEBT FUNDING
Introductions
to Banks
Finding the right funding partner is often the hardest step. We open doors to lenders who understand your sector and have the appetite to support ambition.
Our network spans leading banks and specialist institutions, ensuring you are speaking to the right people from the start.
Preparing your
Business Case
Successful funding requires more than good numbers — it requires a clear story.
We help you present your business in the best light, shaping your investment case and helping you create professional materials that give lenders confidence in your future.
Working with you
to Completion
When offers are on the table we will continue to engage and support till the funding is drawn.
From financial modelling, covenant testing, to negotiations, we will be a sounding board and extra pair of eyes to try and achieve the best terms, to align with your goals
Our support doesn’t stop once the deal is signed. We will continue to add value by:
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Advising on debt strategy to support growth, acquisitions, or refinancing.
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Helping manage lender relationships and ongoing reporting.
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Providing insights into lending markets, appetite, and pricing.
AFTER DEBT FUNDING
OUR FEE STRUCTURE
We believe fees should be transparent and aligned with your success. That’s why our approach is straightforward:
1. Engagement Fee
An upfront fee is agreed at the start. This covers preparation work — understanding your business, shaping your debt strategy, and producing lender-ready materials. It ensures full commitment on both sides.
2. Success Fee
The majority of our remuneration comes only when funding is secured. We charge a percentage of the debt arranged, typically on a sliding scale depending on the size and complexity of the transaction. This aligns our interests directly with yours — we succeed when you do.
3. Ongoing Advisory (Optional)
For clients who want continued support after the deal, we can offer a tailored ongoing service. This can be provided on a simple monthly retainer and includes monitoring covenants, managing lender relationships, and advising on future refinancing.
WHY US?
Too many businesses hold back on asking for debt. They've had promises that don't materialise, banks failing to understand the business properly so they don't deliver or they're used to banks with a limited appetite for lending.
We think that's wrong and a waste of potential.
At Enableon, we know how the system works - because we have sat on both sides of the table. We know how to position your business so lenders listen, and we know where to look if your existing bank says no.
We’re not tied to one institution’s credit appetite, policies, or industry restrictions, so we can pick a lender that is best suited for you.
With our wealth of experience, we can help you through the debt raising process, every step of the way, from initial contact to deal completion.
30 YEARS + SENIOR BANKING EXPERIENCE
We have worked in banking with SMEs and mid-market businesses across all sectors. This depth of expertise means we understand how banks think, what they look for, and how loan applications should be positioned.
By bringing a lender’s perspective to every deal, we can help businesses strengthen their case and maximise their chances of securing the right funding.
HANDS-ON FD EXPERTISE
We can help businesses navigate debt with confidence - negotiating term sheets and loan documents, and help you build clear financial forecasts and scenarios.
We have expertise with financial and covenant modelling and can
highlight potential pressure points before they become issues.
Alongside this, we have experience in cashflow management, working capital optimisation, and transaction support, giving business owners the clarity and confidence to secure funding.
AN EXTENSIVE BANKING NETWORK
We have direct relationships across the UK high street banks and challenger banks.
We can find the right lender for you...
PRACTICAL NO-NONSENSE APPROACH
We keep things simple, clear, and we are focused on getting deals over the line. We cut through complexity, highlight what really matters, and give straightforward guidance on what is an issue and what is not an issue.
Our goal is always the same: to save time, reduce stress, and help businesses secure the funding they need...
