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Specialist and Acquisition Finance (‘SAF’) is

the part of Clydesdale and Yorkshire Banks

that focuses on larger and/or more specialist

loans for business customers throughout the

UK.

Our customers range from small and

complex high-growth businesses, through

larger SMEs to those that have already

grown to become the backbone of the UK

economy – Britain’s Mid-Market businesses.

Based in various key regional locations, but

operating as a single national team, we

quickly understand what’s going on in your

business and use relevant experience to

construct your banking facilities.

We choose to focus our services across

three distinct areas:

• Private Equity Backed Businesses

• Specialist Sector Propositions

• Larger SMEs & Mid-Market businesses

Private Equity Backed Businesses “Clydesdale Bank’s investment and support

since February 2012 has allowed us to take

forward our growth plans, both organic and

through acquisition”

Keith Moorhouse, Chief Exec, ATR Group

“The team at Clydesdale Bank took the time to

fully understand our business and we are

delighted that Clydesdale is one of our funding

partners in the current MBO”

Vince Haffenden, MD, Vista

“We look forward to building on our success

with the Bank’s well thought-out funding

package, which includes substantial working

capital facilities to support our continued

expansion”

Jeff Gordon, CEO, OpenCloud

Our Specialist Sector teams

reputation has been built on the

consistency of approach and

excellence of delivery.

“The team at Clydesdale Bank have

demonstrated their understanding of the

healthcare business and an appreciation of our

ambitions for the group as we move into the next

phase of our development”

Paul Constable, Chief Exec,Tracscare

Providing debt solutions and vital

business banking services for

thousands of larger SMEs and mid-

market businesses

Larger SME’s & Mid-Market Businesses

“Clydesdale are very familiar with our

ability to produce market leading leisure

concepts. We’re delighted that they are

supporting us and aiding the growth of

our new venture”

William Galbraith, Ops Director,

Go-Ape & Airspace

“We went to the marketplace for debt

facilities and Clydesdale came back

promptly, with a competitive offer that

not only met our request, but exceeded

it by providing additional flexibility”

Andrew Staley, MD, Energy Brokers

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SME Cashflow Finance Created to strengthen our support for UK businesses by

committing to increase lending to SMEs by way of Cashflow

Lending

• Leveraging the skills and knowledge of our Acquisition

Finance offering and assessment of business cashflows

• Focussed on the SME (£5m - £30 turnover) for

established, non-sponsored and sustainable businesses

with strong cash generation track record

• Typically minimum EBITDA £500k and leverage up to 3X

• Sector agnostic however proposition is clearly more

aligned to businesses with a more intangible nature to

their balance sheet

• Consideration will also be given for unlocking some of the

capital value of businesses through a partial equity

release (‘cash-out’)

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Completed Deals