Founder

Matt Lenzie

Former Bank of Scotland and Lloyds Banking Group. 25 years in banking with significant corporate and property transactional experience, including leveraged buyouts and acquisitions. £400m+ of debt and equity raised for clients.

Matt Lenzie is the founder of Lenzie Consulting Ltd, the trading entity behind LeveragedBuyoutFinance.co.uk and the wider Construction Capital portfolio of UK specialist finance sites. Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority and arranges unregulated business finance for limited companies and LLPs only.

Matt's career began on the lender side. Across more than two decades at Bank of Scotland and then Lloyds Banking Group he structured, credit-committed and underwrote corporate and property finance transactions, including the senior and mezzanine debt behind buyouts and acquisitions, the same kind of case our desk now packages from the other side of the table. That dual perspective, what a credit committee will and will not fund, how much leverage a business can genuinely carry, and which structures get a deal over the line, is the core of how we advise acquirers, management teams and sponsors.

Over a 25-year career he has been involved in raising more than £400 million of debt and equity for clients across corporate transactions, buy-to-let, commercial property and development finance. The portfolio of sites he operates today funnels into a single specialist desk, run on the principle that the adviser should know more about the lender than the borrower does.

Matt lives in the UK and personally reviews every acquisition case that crosses the desk. Initial consultations are always fee-free.

Background

Career: Bank of Scotland, Lloyds Banking Group. 25 years in banking, with significant transactional experience across corporate and property finance including leveraged buyouts and acquisitions.

Track record: £400m+ of debt and equity raised for clients across corporate transactions, commercial property, buy-to-let and development finance.

Current role: Founder, Lenzie Consulting Ltd, operating the Construction Capital portfolio of UK specialist finance sites including LeveragedBuyoutFinance.co.uk, MBOFinance.co.uk, ConstructionCapital.co.uk and CommercialMortgagesBroker.co.uk.

Regulatory status: Lenzie Consulting Ltd is not authorised or regulated by the FCA. We arrange unregulated business finance for limited companies and LLPs only. ICO registration ZC089032.

Areas of expertise

Leveraged buyout finance
Acquisition finance and business acquisition loans
Senior debt, unitranche and mezzanine structuring
Cash flow lending
Asset based lending and invoice finance
Private equity backed buyouts
Management buyout finance
Refinancing and recapitalisations
Commercial property finance
Development and bridging finance

Why lender-side experience matters in a leveraged deal

A leveraged acquisition asks a lender to fund most of a price on the strength of earnings the borrower does not yet control. Credit committees answer that with structure: how many times EBITDA they will lend, what cover and leverage covenants they need, how much equity has to sit beneath them, and how the layers rank in the intercreditor deed. Having written and defended those credit papers for two decades, Matt structures an acquisition the way a committee will read it, which is what turns a "we would like to" into a sanctioned facility.

Every leveraged deal carries decisions a trading-company loan never faces: the split between senior debt, unitranche, mezzanine and asset based facilities; whether a sponsor belongs in the deal at all; how covenants are set against the forecast; how much amortisation the cash flow can bear; and how to keep the vendor, the funders and the buyer aligned through a five-month process. On those, the adviser's experience of the lender side is what decides whether the deal completes, at what leverage, and on what terms.

Enquiry

Speak to Matt

Initial consultations are always fee-free and confidential. Same-business-day callback.

Whole-of-market: banks, unitranche and mezzanine funds, cash flow lenders, asset based lenders and private equity.
A funding structure and indicative terms before you commit to anything.
Initial consultation always fee-free. Confidential.

Funder panel and fees

We work with 40+ banks, debt funds and asset based lenders, including high-street and challenger banks, unitranche and mezzanine funds, specialist cash flow lenders, asset based lenders and private equity investors. Initial consultation is fee-free. We charge an arrangement fee of 1% of the debt raised, payable only on successful drawdown. Where a lender pays us an introducer or procuration fee, that is credited first and you pay only the difference up to 1%. No fee at all if the transaction does not complete. Exact figures are confirmed in writing before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated business finance for UK limited companies and limited liability partnerships only, including acquisition debt, leveraged buyout finance, unitranche and mezzanine facilities and asset based lending. We do not arrange consumer credit, regulated mortgage contracts, or lending to sole traders and small partnerships that falls within the Consumer Credit Act; where a case would need FCA permission we refer it to an FCA-authorised firm. We are not a lender and we do not give tax, legal or investment advice.