Fluidly

Fluidly, offered by OakNorth Bank, is a debt finance solution designed to provide flexible and future-proof lending options for businesses. According to the vendor, this product caters to businesses of various sizes, from small and medium-sized enterprises (SMEs) to larger corporations. Fluidly is utilized by professionals in various industries including accountants, brokers, financial advisors, debt advisors, and lawyers, with the aim of supporting entrepreneurs and business owners in their growth and investment endeavors.

Key Features

Property Finance: Fluidly offers property finance solutions for residential, commercial, and mixed-use property investments and developments. These options include flexible pricing structures, umbrella facilities, bridging loans, revolving credit facilities, and bespoke term debt. The vendor states that these solutions aim to support business owners in buy-to-let ventures, bioscience labs, hotels, and other property-related projects.

Specialist Funds Finance: Fluidly provides specialist funds finance, catering to various asset classes such as private equity, ESG, and credit hedge funds. The financing options available include subscription/capital-call facilities, hybrid facilities, NAV finance, and more. Previous financing partnerships include Bluegem Capital Partners, RM Funds, L1 Capital, and ICG Longbow, as stated by the vendor.

Custom-Built Corporate Finance: Fluidly offers custom-built corporate finance solutions for various capital-raising needs, including mergers and acquisitions, public-to-private takeovers, management buyouts, and initial public offerings. According to the vendor, the aim is to offer expertise and corporate financing within a few weeks to support business growth and expansion.

Capital Expenditure for Future Investments: Fluidly assists businesses in making long-term investments for future growth, such as sustainable machinery, land, technology, and human resources. The vendor emphasizes the focus on helping businesses retain their working capital while facilitating significant investments or scalable projects.

Complexity-Friendly Financing: Fluidly provides specialist financing options tailored to the unique needs of businesses. The vendor states that their aim is to offer custom-built financing solutions that go beyond traditional lending approaches.

Experienced Team Focus: Fluidly prioritizes the expertise and experience of the teams behind businesses rather than solely focusing on specific sectors. The lending decisions are based on understanding the people behind the business and working with expert teams across various industries, according to the vendor.

Transparent and Deliverable Terms: Fluidly offers transparent terms and aims to deliver on them without changing terms midway through the process. The vendor emphasizes their focus on providing a straightforward lending process without complications.