Why Businesses Combine Finance Products and How to do it Right

In today’s market, many of the most successful funding solutions don’t rely on a single product.

Instead, we’re seeing businesses combine finance facilities to create flexible, tailored funding structures that evolve as they grow.

For example:

  • Asset-Based Lending
    Unlocks cash tied up in stock, plant and machinery or receivables while maintaining working capital.
  • Senior Debt + Mezzanine Finance
    Enables larger transactions or growth plans without excessive equity dilution.
  • Term Loans + Invoice Finance
    Supports both long-term investment and day-to-day trading needs.
  • MBO / MBI Funding + Growth Guarantee Scheme
    Helps fund buyouts and succession plans with a blended structure that supports both the transaction and future growth.

The key is structure.

Combining finance products without proper advice can create unnecessary cost or risk. When done correctly, however, blended funding can:

  • Improve cash flow
  • Increase funding headroom
  • Reduce reliance on any single lender
  • Support growth without over-stretching the balance sheet

At Moorfields, our role is to design bespoke funding packages that work together not against each other.

If your business has outgrown a single finance solution, it may be time to look at what combination funding could unlock.

Contact our Commercial Finance Team to find our more – Lee Coutanche

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