Founder

Matt Lenzie

Former Bank of Scotland and Lloyds Banking Group. 25 years in banking with significant corporate and property transactional experience, including management buyouts. £400m+ of debt and equity raised for clients.

Matt Lenzie is the founder of Lenzie Consulting Ltd, the trading entity behind MBOFinance.co.uk and the wider Construction Capital portfolio of UK specialist finance sites. Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority and arranges unregulated business finance for limited companies and LLPs only.

Matt's career began on the lender side. Across more than two decades at Bank of Scotland and then Lloyds Banking Group he structured, credit-committed and underwrote corporate and property finance transactions, including the senior debt behind management buyouts, the same kind of case our desk now packages from the other side of the table. That dual perspective, what a credit committee will and will not fund, how much leverage a business can genuinely carry, and which structures get a deal over the line, is the core of how we advise management teams.

Over a 25-year career he has been involved in raising more than £400 million of debt and equity for clients across corporate transactions, buy-to-let, commercial property and development finance. The portfolio of sites he operates today funnels into a single specialist desk, run on the principle that the adviser should know more about the lender than the borrower does.

Matt lives in the UK and personally reviews every buyout case that crosses the desk. Initial consultations are always fee-free.

Background

Career: Bank of Scotland, Lloyds Banking Group. 25 years in banking, with significant transactional experience across corporate and property finance including management buyouts.

Track record: £400m+ of debt and equity raised for clients across corporate transactions, commercial property, buy-to-let and development finance.

Current role: Founder, Lenzie Consulting Ltd, operating the Construction Capital portfolio of UK specialist finance sites including MBOFinance.co.uk, LeveragedBuyoutFinance.co.uk, ConstructionCapital.co.uk and CommercialMortgagesBroker.co.uk.

Regulatory status: Lenzie Consulting Ltd is not authorised or regulated by the FCA. We arrange unregulated business finance for limited companies and LLPs only. ICO registration ZC089032.

Areas of expertise

Management buyout finance
Management buy-in and BIMBO structures
Leveraged buyout debt
Cash flow lending
Asset based lending and invoice finance
Vendor finance and deferred consideration
Private equity backed buyouts
Employee ownership trust funding
Commercial property finance
Development and bridging finance

Why lender-side experience matters in a management buyout

A management buyout is the one transaction where the borrower knows the business better than anyone and the lender knows the borrower least. Credit committees fill that gap with structure: how many times EBITDA they will lend, what cover ratio they need, how much cash they expect the team to put in, how far behind them the vendor has to sit. Having written and defended those credit papers for two decades, Matt structures a buyout the way a committee will read it, which is what turns a "we would like to" into a sanctioned facility.

Every buyout carries decisions a trading-company loan never faces: the split between senior debt, asset based facilities and vendor loan notes; whether private equity belongs in the deal at all; how sweet equity and ratchets are set; how personal guarantees are capped; and how to keep the vendor, the funder and the team aligned through a five-month process. On those, the adviser's experience of the lender side is what decides whether the deal completes, at what leverage, and on what terms.

Enquiry

Speak to Matt

Initial consultations are always fee-free and confidential. Same-business-day callback.

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.