Steve Paul
Co-founder
Debt Advisory
Get the right products
at the right time.
Stable gives you prime access, strategy and pricing across debt and markets.
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Sector experts. Specialists who know your market and its lenders.
Whole-of-market. UK banks, challengers, specialist lenders and private credit compared.
Days, not months. Straightforward facilities move quickly.
Stable Customers:
FX benchmarked:20,251,406Card fees reviewed:218Lenders compared:251Treasury interest benchmarked:£34,539,381.32Pending raised debt:£30,886,885Facilities modelled:526
Meet our debt advisory experts
The team you will actually work with, from first conversation through to drawdown.
Tom Kiddle
Co-founder
Alistair Hesketh-Hutson
Managing Director
Craig Agutter
Group Operations Director
How we help you raise debt
Stable sits between you and the wider lending market. We benchmark suitable lenders, compare real cost and structure, and help you raise debt on terms that actually fit the business.
Sector experts
Stable work with sector specific experts to get you what you need.
Readiness
We help you build bank-ready models, integrated forecasts and commentary — improving both the amount of capital available and what it costs.
Complex mandates
If your business has some complexity, intercompany challenges or non-core activities, Stable can position you to handle those questions as they arrive from potential lenders.
Multi-lender, multi-product
Our partner Spark has access to multiple lenders across a spectrum of products and risk appetites.
M&A activities
Senior debt, vendor structures and blended funding for acquisitions, MBOs and shareholder transitions.
Refinancing
Replace expensive debt, restructure covenants and consolidate borrowing.
What raising capital with
Stable looks like
Who we work with
£1m–£100m
UK SME turnover range
Speed
Days
for straightforward facilities
*More complex transactions will
Independence
Nil
We lend nothing ourselves
*Independent advice and brokerage only
Coverage
Whole market
Lenders compared on real cost and structure
*That is available at the time of the meeting
Our coverage
We compare UK banks, challenger banks, specialist lenders, asset financiers and private credit — then bring you the ones that fit.
Get deal ready.
Some simple steps to get you ready for your meeting.
Get documentation ready
Even if you don't have all the documentation,it's helpful to start getting it together.
Set a target
Clear targets based on your business and your needs help speed up the process.
Grab a coffee
The meeting will take around 45 minutes, so grab a coffee and settle in.
Frequently asked questions
What is debt advisory?+
Support for businesses raising, refinancing or restructuring borrowing — covering the funding case, lender selection, offer comparison and execution.
Is Stable a lender?+
No. Stable is an independent advisor and broker. We help businesses access and compare funding from suitable lenders.
What types of businesses do you support?+
UK SMEs with turnover between £1m and £100m. Suitability depends on the funding requirement and the business profile.
Can you help if my bank has declined funding?+
Yes. A bank decline rarely means your business cannot raise finance. It usually means the requirement does not fit that lender's current criteria.
Do you charge a fee?+
It depends on the type and complexity of the requirement. Where fees apply, we explain them clearly upfront.
How quickly can funding be arranged?+
It varies. Some facilities move in days; larger or more structured transactions take weeks. Readiness of information is usually the biggest factor.
What information will I need?+
Typically recent accounts, management information, bank statements, aged debtors and creditors, details of existing borrowing, and a summary of the funding requirement.
Can you review my existing facility?+
Yes. We can benchmark your current borrowing structure and tell you whether it is still competitive.