People, Risk and Growth in Specialist Lending

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

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