About us

Founder-led advice. Lender-side experience of buyout debt.

MBOFinance.co.uk is run by a former banker who sat on the credit side of corporate and property lending for 25 years, not a broker who started life on commission. The difference shows in how a buyout is structured, which funders see it and what the debt ends up costing.

Who runs this site

Matt Lenzie, founder of Lenzie Consulting Ltd and operator of the Construction Capital portfolio. Bank of Scotland and Lloyds Banking Group alumnus. 25 years in banking, with significant corporate and property transactional experience including management buyouts. £400m+ of debt and equity raised for clients to date. Read Matt's full profile →

What we do

We are a specialist, founder-led source of management buyout finance. We help UK management teams fund the purchase of the business they run: full and partial management buyouts, management buy-ins and BIMBOs, private equity backed deals, employee ownership trust transitions and shareholder or partner buyouts. Everything we arrange is unregulated business finance to a limited company or LLP.

We build the funding structure first, senior debt, cash flow lending, asset based facilities, vendor loan notes and equity, then place each layer with the funder that prices it best across banks, debt funds and asset based lenders across the UK market. We package the case the way a credit committee expects to see it, manage the funder through due diligence and legals, and stay involved until the money draws on completion.

Construction Capital portfolio

Construction Capital is the portfolio brand under which Lenzie Consulting Ltd operates its specialist finance sites. MBOFinance.co.uk operates as a trading name of Lenzie Consulting Ltd. MBOFinance.co.uk is a trading style of Lenzie Consulting Ltd, which is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated business finance for UK limited companies and limited liability partnerships only, including management buyout debt, asset based lending and vendor finance. We do not arrange consumer credit, regulated mortgage contracts, or lending to sole traders and small partnerships that falls within the Consumer Credit Act; where a case would need FCA permission we refer it to an FCA-authorised firm. We are not a lender and we do not give tax, legal or investment advice.

Sister sites include LeveragedBuyoutFinance.co.uk for acquisition and leveraged finance, ConstructionCapital.co.uk, CommercialMortgagesBroker.co.uk, and a network of specialist property-finance properties.

How we are different

Lender-side experience at the top. Matt spent 25 years inside Bank of Scotland and Lloyds Banking Group on the credit side of corporate and property finance, including the senior debt behind buyouts. Every case we package benefits from knowing how the paper is read at the other end.
Structure before lender. Most failed MBOs fail on structure, not on the business. We size the debt to the cash flow, fix the vendor loan and equity gap, and only then approach funders.
Whole-of-market, not a favourite bank. High-street banks, challenger banks, specialist cash flow lenders, asset based lenders, mezzanine funds and private equity houses underwrite buyouts very differently. We put the case in front of the ones that fit.
Confidential by default. Nothing goes to a funder until the team says so, and nothing goes to the vendor at all unless you ask us to help with that conversation.
Compliance-first. Every page states our regulatory status plainly, every figure is labelled indicative and dated, and we never quote a rate we cannot evidence.

The team

Based in London and working UK-wide. Matt works alongside an introducer network of corporate finance advisers, accountants and solicitors who act for management teams, acquirers and vendors.

Enquiry

Discuss your buyout

Same-business-day callback. Fee-free initial consultation. Whole-of-market access to banks, debt funds and asset based lenders across the UK market.

Whole-of-market: banks, cash flow lenders, asset based lenders, mezzanine and private equity.
A funding structure and indicative terms before you commit to anything.
Initial consultation always fee-free. Confidential.

Funder panel and fees

We work with banks, debt funds and asset based lenders across the UK market, including high-street and challenger banks, specialist cash flow lenders, asset based lenders, mezzanine funds and private equity investors. Initial consultation is fee-free. We charge an arrangement fee of 1% of the debt raised, payable only on successful drawdown. Where a lender pays us an introducer or procuration fee, that is credited first and you pay only the difference up to 1%. No fee at all if the transaction does not complete. Exact figures are confirmed in writing before you commit.

Regulatory status

This is secured business lending. Any asset given as security, including property, may be repossessed if repayments are not maintained, and personal guarantees may be called. MBOFinance.co.uk is a trading style of Lenzie Consulting Ltd, which is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated business finance for UK limited companies and limited liability partnerships only, including management buyout debt, asset based lending and vendor finance. We do not arrange consumer credit, regulated mortgage contracts, or lending to sole traders and small partnerships that falls within the Consumer Credit Act; where a case would need FCA permission we refer it to an FCA-authorised firm. We are not a lender and we do not give tax, legal or investment advice.