Credit for lending – supporting the work of lenders to facilitate national SME growth 

For more than a decade, amid geopolitical wavering, tightening credit conditions coupled with persistent economic uncertainty, access to finance has remained one of the biggest hurdles facing UK SMEs. In 2025, a UK Government report revealed that 86% of SMEs no longer wish to borrow from traditional banks, citing inflexibility and low approval rates. With traditional bank appetite at record lows and approval rates having dipped below 50%, non-bank lenders are stepping in to fill the gap. 

Credit4 is a specialist SME lender that provides critical funding solutions across the UK. Since 2013, Credit4 has delivered flexible and responsive growth focussed finance to small businesses underserved by high street banks and algorithmic or credit-score-driven lenders. 

Backing a high-performing lender 

Triple Point began its relationship with Credit4 in 2017, and over the years this partnership has enabled Credit4 to expand its reach, enhance its underwriting infrastructure and grow its lending book significantly. 

Following continued loan book growth, Triple Point are proud to have recently further increased the facilities available to Credit4, enabling them to further support UK based SME borrowers. 

Empowering SMEs with external finance  

Credit4 provides SME funding across three tailored products: 

• Flexible Facilities: short-term revolving credit for working capital needs 

• Dual Growth Facilities: a hybrid of term and revolving credit, allowing for staged repayments and redrawing, providing a balance of flexibility and cost 

• Secured Business Facilities: longer-term loans secured via property-backed guarantees 

These products are underpinned by robust underwriting, allowing Credit4 to understand and support businesses that are often overlooked by mainstream lenders, such as younger businesses with inconsistent cash flows or those with a brief history of adverse credit, but fundamentally a growth story 

Outcomes for borrowers and investors 

Credit4 maintains a consistent and disciplined approach; its underwriting, coupled with personal borrower engagement and rigorous arrears management, has resulted in sustainable growth of the loan book and fostered strong relationships with borrowers. 

While Triple Point includes entities which are authorised and regulated by the Financial Conduct Authority, our Private Credit activities are not regulated activities in their own right.