News

It’s possibly too early to suggest 2025 is the year of mergers and acquisitions, but the activity we’ve seen across business sectors in 2024 and 2025 year to date has been significant. At the start of this year, the UK saw a surge in inward and outward M&A deals. For the remainder of 2025, this trend is expected to continue, with an increase in both number and value. The data Omega has seen so far indicates the overall value of deals is the highest it has been since late 2022.

Markets are still navigating fluctuations, particularly stemming from ongoing geopolitical issues worldwide. Dealmakers in the M&A markets are therefore having to find ways to manage these challenges, as reflected in recent transactions. There has been a rise in companies seeking to acquire businesses and an appetite for new technologies, to access new markets or increase market share.

Business funding

Along with merger and acquisition deals, we’re also seeing increased business funding enquiries, inclusive of finance for start ups, working capital, monies to expand a business, securing capital from alternative sources, investments, or manage cash flow.

• Start-up success leading to plans to scale and acquiring premises.
• Expansion of trade requirements – bigger premises and storage for new opportunities
• Purchase of Client investment book from another firm.

Secured & Unsecured loans

The lenders we collaborate with provide a wide range of financial solutions designed to suit the changing needs of businesses. These options include both secured and unsecured loans, which may involve structuring a second charge on a primary residence or a buy-to-let property. Many business owners might not realise that these loan types are not limited to traditional uses—they can be strategically utilised for multiple business goals.

Businesses facing complex financial challenges can also utilise these products for debt consolidation. By securing historic cash flow facilities at lower interest rates and extending repayment periods, companies can manage their liabilities effectively and improve their financial stability. This flexibility not only enhances cash flow management but enables businesses to seize new opportunities as the market evolves.

CASE STUDIES

1. Client had an unsecured business loan, repayment profile over 5 years, bringing with it heavy capital repayments. We were able to secure a second charge on their main residence to refinance the outstanding debt, reduce the interest cost but more importantly spread the capital repayments over an extended 15 year profile.
2. Business Debt Consolidation into one facility, the debt remained within the limited company but we were able to increase the repayment profile to 20 years, the lender taking a comfort charge against the director and shareholder’s main residence. Thereby greatly reducing the monthly cost to the business and spreading the capital repayments over an extended period.

It is important to note that when any consolidation is undertaken, we discuss a full comparison of options to ensure clients are aware of the impact both to the monthly servicing but also total costs where a loan is taken over an extended period.

Management buy-ins and investment initiatives

Management buy-ins and buy-outs invariably come with a financial requirement, hence buy-in/buy-out. The obstacle in many cases can be how to fund that financial requirement. The key being whether we need to fund this from a personal perspective or we can utilise the business in question to support such. We discuss each enquiry in detail to fully understand what the restrictions are and what opportunities are available to enable each client to achieve their goal. This can be through a variety of solutions, the key is undertaking the requirements in the first place.

We understand that each business and goal is unique, so contact us about your client’s needs so that we can find the right finance solution for them.