For Borrowers
BCS works with borrowers that require responsive, short-duration secured credit and can support a facility through collateral, documentation, and a credible repayment pathway.
We typically work with businesses and commercial borrowers that have a clearly defined use of funds, time-sensitive execution requirements, and a transaction profile that suits a disciplined secured-credit framework.
BCS does not offer retail or consumer credit. We focus on juristic entities — companies, close corporations, and partnerships — operating in commercially viable short-duration contexts.
Fleet and receivables facilities
Equipment and machinery acquisition
Asset-backed and structured facilities
Developer exit and bridging finance
Working capital and trade finance
PO funding and invoice discounting
BCS is a disciplined, secured lender. We look for opportunities where structure, collateral, and repayment clarity support confidence in the credit decision.
A well-defined use of funds with a credible business reason and identifiable commercial benefit.
Real assets, receivables, property, or confirmed contracts that can support a secured facility with enforceable collateral.
A credible, demonstrable source of repayment — whether from operating cash flow, asset sale, receivable collection, or contract settlement.
A transactional or event-driven funding need, typically under 12 months, that aligns with BCS's short-duration private credit focus.
An ability and willingness to provide supporting financial, legal, and commercial documentation to support a structured credit review.
A situation where private credit — with its speed, flexibility, and structured approach — provides meaningful value over conventional alternatives.
Businesses with strong receivables from credible debtors that need earlier access to liquidity to maintain operations or fund growth.
Companies requiring capital against identified equipment, machinery, vehicles, or other movable assets where value and security are clear.
Businesses with confirmed purchase orders from credible commercial counterparties requiring capital to fulfil the order.
Developers or property owners requiring short-term bridging against a property-linked exit event with clear security and exit visibility.
Bespoke transactions with multiple collateral sources or repayment pathways that require a tailored credit approach and more detailed structuring.
If your requirement doesn't fit neatly into any of the above but you have a well-structured commercial need, speak to our team for an initial discussion.
Speak to Our TeamWhile each transaction is different, borrowers should expect to provide supporting information that enables a meaningful credit assessment. The more prepared you are at the outset, the faster we can respond.
Below is a general guide to what is typically required for an initial credit review. Your BCS contact will advise on specific requirements for your transaction type.
Our process is designed to move efficiently while maintaining credit discipline at every stage.
Complete our online application form — it takes about 10 minutes and tells us everything we need to start the review process.
A brief conversation with our credit team to understand the transaction, proposed security, use of funds, and repayment source.
Supporting financial and legal documentation is requested to enable a structured credit assessment. A standard documentation pack is provided as a guide.
Our credit team applies its formal review process, assessing security, serviceability, and structure. We aim to move quickly — typically within days of receiving complete information.
Following approval, a formal term sheet is issued. Legal documentation is prepared, security is registered, and the facility is executed.
Submit an enquiry or reach out directly to a member of our team.