Working capital and expansion loans for European businesses
From €100,000 to €25,000,000, structured on your terms. Indicative pricing within 48 hours and a single point of contact from origination to drawdown.
Capital that moves at the pace of your business
Apex underwrites direct loans to established European SMEs and mid-market companies. We combine institutional discipline with the agility of a private lender, so growing businesses access the capital they need without months of bank back-and-forth.
- Senior, unitranche and subordinated facilities
- Bullet, amortising and revolving structures
- Fixed or floating EURIBOR-linked pricing
- Multi-currency: EUR, GBP, CHF, USD
- Cross-border collateral packages
- Light-touch covenants for performing borrowers
Eligibility at a glance
- Minimum 3 years of trading history
- Audited or reviewed financial statements
- Clear use of proceeds and repayment source
- Headquartered in the EEA, UK or Switzerland
- Minimum €500K annual revenue
Business Loans, engineered for ambitious operators
Every business loans mandate is led by a senior Apex banker and structured around your sector, jurisdiction and timeline, not a generic product sheet. Open a tailored enquiry form in seconds and our team will respond within one business day.
- Senior, unitranche and subordinated facilities
- Bullet, amortising and revolving structures
- Fixed or floating EURIBOR-linked pricing
- Multi-currency: EUR, GBP, CHF, USD
Built for serious capital decisions
Institutional rigour with the speed and clarity European businesses expect.
€100K to €25M
Flexible loan sizing for SMEs through mid-market.
Fast underwriting
Indicative terms within 48 hours of complete documentation.
AML & GDPR secure
Bank-grade compliance and data protection throughout.
Growth aligned
Bullet, amortising and revolving facilities available.
30+ countries
Cross-border facilities across the EEA and UK.
Dedicated manager
One point of contact from origination to drawdown.
From enquiry to drawdown
A transparent, milestone-driven funding journey.
- 1
Enquiry
Submit the short form below. We acknowledge within 4 business hours.
- 2
Eligibility
Senior advisor reviews fit and confirms required documentation.
- 3
Term sheet
Indicative terms issued within 48 to 72 hours of complete file.
- 4
Drawdown
Credit committee, legal completion and funds released to your account.
How our clients deploy this capital
Working capital
Bridge seasonal cycles, fund inventory and stabilise cash flow.
Expansion
Open new locations, enter new markets or scale your salesforce.
CAPEX
Finance equipment, plant upgrades and digital transformation.
Acquisitions
Bolt-on M&A and management buy-ins with bespoke leverage.
Refinancing
Consolidate existing facilities into a single cleaner structure.
Restructuring
Re-profile debt during turnaround or post-deal integration.
Industries we serve
Specialised underwriting across the sectors driving European growth.
Retail & Consumer
Multi-site retailers, DTC brands and consumer goods manufacturers.
Food & Beverage
F&B producers, hospitality groups and franchised operators.
Technology & SaaS
Profitable software, IT services and digital agencies.
Healthcare
Clinics, care providers and medical device distributors.
Industrial & Manufacturing
Engineering, precision manufacturing and supply-chain businesses.
Professional Services
Consulting, legal, accounting and recruitment groups.
Distribution & Logistics
Wholesalers, importers and last-mile delivery operators.
Education & Training
Private schools, vocational training and ed-tech operators.
Active across European markets
Local legal counsel, valuation partners and dedicated coverage in every jurisdiction.
Direct lending across Flanders, Brussels and Wallonia.
Mid-market SMEs in Randstad and Brabant.
Mittelstand lending across NRW, Bavaria and Baden-Württemberg.
Île-de-France, Auvergne-Rhône-Alpes and PACA.
Lombardia, Veneto and Emilia-Romagna SMEs.
Madrid, Catalonia and Basque Country mid-market.
Athens & Thessaloniki, served from our regional office.
London, Manchester and Edinburgh mid-market.
Facility sizes and indicative pricing
Indicative only, final pricing is risk-based and confirmed at term-sheet stage.
- Light-touch covenants
- Bullet or amortising
- Limited security package
- Indicative terms in 48h
- Senior or unitranche
- Revolving or term
- Multi-currency available
- Dedicated relationship manager
- Club-deal underwriting
- Bespoke covenant packages
- Cross-border collateral
- Syndication capacity
The European business loans landscape
Live indicators from the Apex desk, updated every quarter to reflect actual deal flow, not headline forecasts.
Apex vs traditional lenders
How our business loans process compares to a typical high-street bank.
Apex Euro Capital
- Indicative terms in 48 to 72 hours
- Senior partner on every mandate, no junior hand-offs
- Bespoke structures across debt, equity and hybrid capital
- Cross-border capability in 30+ European jurisdictions
- Dedicated portal for documents, KYC and status tracking
- ESG and MiCA-aligned frameworks built in
Traditional bank
- Term sheets in 6 to 12 weeks
- Relationship handed off to junior underwriters
- Standardised products with limited flexibility
- Domestic focus with restricted cross-border capacity
- Manual document collection over email
- Slower adoption of ESG and digital-asset frameworks
Measurable results, not marketing claims
Aggregate performance across business loans mandates completed in the last 24 months.
Deals close on the timeline agreed in the term sheet.
Median 24-month revenue uplift for borrowers who deployed our capital.
Post-close NPS from Apex borrowers, sponsors and investors.
“Apex delivered a €6.5M growth facility in under five weeks. Their team understood our seasonality and structured covenants around it.”
Questions, answered
Most frequent questions about business loans at Apex.
Ready to apply?
Launch the tailored business loans application form. It takes around 3 minutes. A senior Apex advisor will respond within one business day.
- Confidential, bank-grade encryption
- GDPR & AML/KYC compliant
- Indicative term sheet within 48 to 72 hours
Other funding solutions
Compare Apex financing options and connect them to your sector strategy.
Business Loans
SME business loans across the EU, €100K to €50M
Corporate Finance
Mid-market corporate finance & structured credit
Project Finance
Infrastructure & energy project finance in Europe
Real Estate Finance
Commercial real estate & development funding
Venture Capital
Growth-stage venture capital for European tech
Crypto Investment
MiCA-compliant digital asset investment
Industries We Serve
12 focus sectors from renewables to fintech
Renewable Energy Funding
Solar, wind & storage project finance Europe
Infrastructure Finance
Large-scale infrastructure debt across Europe
Check in sixty seconds whether we can fund you
We publish our criteria openly so you never waste weeks on a process that was never going to close.
- Registered business in the EU, EEA, UK or Switzerland
- Twelve months or more of trading history, or a bankable project sponsor
- Minimum funding requirement of €100,000
- Last two years of filed accounts, or a full project financial model
- Clean beneficial-ownership and sanctions position
- A defined use of proceeds and repayment or exit route
Business loans and project finance across Europe
Local underwriting knowledge in each market, arranged through one pan-European team.
Mittelstand growth and working capital facilities
Business loans in GermanyCorporate credit and acquisition finance
Business loans in FranceSME lending and real estate development funding
Business loans in SpainManufacturing, export and asset finance
Business loans in ItalyHead-office lending from our Brussels desk
Business loans in BelgiumTourism, shipping and energy transition capital
Business loans in GreeceRegulated discipline behind every euro
Capital is only useful if it is raised properly. Our compliance framework is built for institutional counterparties and audited borrowers alike.
EU regulatory alignment
Mandates structured in line with EU financial services rules and local market practice in every jurisdiction we fund.
AML and KYC by design
Risk-based onboarding, sanctions screening and beneficial-ownership verification on every counterparty.
GDPR-grade data handling
Encrypted document exchange through the client portal, with data stored and processed inside the EU.
Independent oversight
Investment and credit committees sign off separately from origination, so pricing stays objective.
Ready to discuss your funding requirements?
Our advisory team responds to qualified enquiries within one business day.