FCAAuthorised & Regulated · No. 943426 · Lending in the United Kingdom and internationally since 2016
Home/ Business Loans/ Expansion Capital

Expansion capital, structured for growth.

Capital to scale — new markets, new products, new locations, new operating capacity. From £100,000 to £10 million, at our flat 1.5% APR.

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What expansion capital can fund

Expansion is rarely about a single line item. It is a programme: hiring senior people, opening locations, launching products, entering markets, building infrastructure, all unfolding over 12 to 36 months. Funding it requires capital with the patience to match.

Our expansion capital is structured deliberately for this kind of programme — staged drawdown across the expansion timeline, repayments that begin after the new capacity is generating revenue, and a 1.5% APR rate that does not punish you for taking the time to scale properly.

Who this loan is for

  • Established businesses opening new sites, branches, or regional locations
  • Scale-ups entering new geographic markets — UK regions or international
  • Manufacturers expanding production capacity or building new lines
  • Service businesses scaling into new verticals or specialist segments
  • Brands launching new product lines requiring R&D, tooling, and marketing investment
  • Companies building digital infrastructure to support a new operating scale
  • Businesses preparing for a known major contract or capacity commitment
We needed to open four new clinics in 18 months and existing cash flow couldn't fund all four. ASAF's expansion facility, drawn site-by-site, made the entire programme possible. — Helio Wellbeing Ltd · expansion capital, £2.4M

How expansion capital is structured

Expansion capital is typically structured as a single approved facility with staged drawdown. You agree the total capital plan with your relationship manager, then draw funds at each milestone — opening a new site, launching a new product line, completing a hire programme.

Repayments are typically structured to begin after a 6–12 month deferral period, giving the new capacity time to generate revenue before repayment obligations commence. During the deferral, interest accrues at 1.5% APR on funds drawn — not on the unused facility.

The total term ranges from 3 to 10 years depending on the nature of the expansion. New product launches typically use 3–5 year structures; new locations or major capacity expansion typically use 7–10 year structures aligned to the asset's productive life.

Capital plan, single facility

Approve the whole programme upfront. Draw funds milestone-by-milestone, only paying interest on what's deployed.

Repayment deferral

6–12 month delay before repayments begin, giving new capacity time to generate revenue.

Long-term structure

Up to 10 years to repay, aligned to the productive life of what you are building or launching.

The process

From application to funded,
in four steps.

Each step has a defined timeline and a real person attached to your file. No black-box scoring, no run-around.

1
Apply

~3 minutes online

2
Review

Manager calls within 24 hours

3
Decision

Up to 5 working days

4
Funded

Same day on completion

Frequently asked

The honest answers,
before you ask.

We look at the existing business's track record, the specific economics of the planned expansion (unit economics, payback period, capacity utilisation projections), and your team's experience executing similar moves. The diligence is more comprehensive than for a working capital facility but the underwriting is fundamentally judgmental rather than formula-driven.
Yes. Many of our clients run an expansion facility alongside a working capital facility — the expansion capital funds the strategic investment, the working capital handles cash flow during ramp-up. We can also coordinate with asset finance for any equipment within the expansion plan.
Talk to us early. We can extend the drawdown window, adjust the repayment start date, or restructure the term to match the actual ramp-up. The facility is intended to support successful expansion, not to penalise normal commercial timing variability.
Yes — and this is one of our specialisms. For UK businesses entering new international markets, we can structure facilities that draw down across multiple jurisdictions in different currencies, with our 28-country reach providing direct local support.
If acquisitions are central to the expansion, our Acquisition Finance product is more appropriate — it has structures specifically built around target diligence and deal completion. For organic expansion with the occasional bolt-on, expansion capital can include a small acquisition tranche.

Begin your expansion conversation

Tell us your capital plan. We will tell you, within one working day, how we would structure the facility.

Begin your application → Speak to our team