People, Risk and Growth in Specialist Lending report – 2026
Specialist lending and asset finance sit at the centre of the UK’s credit ecosystem. As banks have become more selective, alternative lenders and asset finance providers continue to play a vital role in supporting SMEs, property developers, and borrowers with more complex requirements.
This is not a simple growth story. It is a market shaped by higher funding costs, tighter risk appetites, and rising expectations from brokers and borrowers alike.
What we are seeing in the market:
- Funding costs remain a constraint, but loan books have been more resilient than expected
- Origination volumes are selective rather than indiscriminate
- Credit committees are narrowing criteria, increasing demand for experienced judgement
Download the full report to read more.
About Fram Search
Established in 2010, Fram Search is a specialist financial services recruitment consultancy. We focus on mid-to-senior hires in the UK and internationally. We provide high quality contingent and retained recruitment services to boutiques and global brands.
Our experienced Specialist Lending & Asset Finance practice has long established relationships, outstanding market knowledge, and access to deep talent pools. Fram takes a highly consultative approach, combining outstanding tech with a human approach. We are proud that our contingent fill rate is nearly three times the industry average and we augment our retained search methodology with rigorous psychometric testing. We take ESG seriously, we are champions of diversity and all staff have undertaken unconscious bias training. We also carbon offset.
Contact us on 01525 864 372 or email Kelly Biggar, head of our Specialist Lending & Asset Finance practice: [email protected]
Download the report
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