UK lead type · Specialist
Recovery & Refinance
Turnaround and refinance capital for UK SMEs under credit stress.
- Refinance of failing MCA and short-term stacks
- CCJs, DMPs and prior CVAs considered
- Turnaround capital alongside operational plan
What is recovery & refinance?
Recovery and refinance covers UK SMEs that have hit a bump: a CCJ, a broken bank facility, or an over-stacked MCA position. Specialist lenders will still write these files if there is a credible plan and evidence of underlying trading.
It is a considered product. Enquiries need a clear story and, usually, an asset to lean on. Underwriting is manual and rate reflects risk.
We capture the credit event, current position and refinance target at enquiry so your specialists can qualify quickly.
Product mechanics
Key numbers your BDM team should know before the first call.
- Loan range
- £25k to £2m
- Typical term
- 6 months to 5 years
- Indicative rates
- 12% to 30% APR (indicative, risk priced)
- Funding speed
- 1 to 4 weeks to complete
- Typical borrower
- UK business with historical adverse credit, CCJs or a broken facility to refinance.
- Why brokers want these
- Specialist niche with limited competition and strong lender appetite for the right file.
Common use cases
- Consolidating stacked MCA positions into one facility
- Refinancing a bank overdraft being withdrawn
- Funding a CVA or HMRC settlement
- Providing turnaround capital alongside a restructuring plan
Typical borrower qualifications
- UK-registered business, still trading
- Evidence of underlying revenue
- Clear reason for the credit event
- Usually an asset available to secure the facility
Why brokers buy from us
Why UK specialist brokers buy recovery & refinance leads from us
What makes this feed different from generic aggregator flow.
Pre-declared credit events save qualification time
Asset flags so you can route to secured funders
Real-time delivery to your CRM
Compare
How recovery & refinance compares to adjacent products
Help your team route enquiries to the right product on day one.
vs Unsecured Business Loans
Route clean-credit borrowers here instead of recovery to save cost.
View Unsecured Business Loansvs Secured Business Loans
Use when the credit story is clean but a charge asset unlocks better pricing.
View Secured Business Loansvs Merchant Cash Advance
Better for card-heavy retail borrowers who cannot support a term repayment.
View Merchant Cash AdvanceOur lead generation process
How we generate recovery & refinance leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- SEO on business debt consolidation and turnaround finance terms
- Google Search Ads on CCJ and stacked-MCA keywords
- Insolvency practitioner and turnaround adviser partnerships
- Content targeting SMEs facing credit stress
Data captured on each lead
- Nature of credit event (CCJ, DMP, CVA, broken facility)
- Current stack or debt position
- Assets available for security
- Company number and director contact
- GDPR and PECR consent
Vetting workflow
- Companies House match and trading status confirmation
- Credit event self-declaration captured
- UK mobile SMS verified
- Duplicate suppression
- Consent captured
What a lead looks like
Verified enquiry
£25k to £2m · Recovery & Refinance
UK Ltd or sole trader · Companies House matched · phone-verified decision-maker · GDPR and PECR consent on file
- Nature of credit event (CCJ, DMP, CVA, broken facility)
- ✓
- Current stack or debt position
- ✓
- Assets available for security
- ✓
- Company number and director contact
- ✓
Who this suits & how we qualify
Best fit for
Specialist recovery brokers with lenders that price risk manually.
Qualification standard
- Companies House match and trading status confirmation
- Credit event self-declaration captured
- UK mobile SMS verified
Turnaround
Fresh, consent-captured UK enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from UK buyers of recovery & refinance leads.
Ready for vetted Recovery & Refinance enquiries?
Tell us your credit box and volume, we'll come back within one business day.