Financing, strategy and project structuring — Paris · Europe · International.
Structuring and placement of financing with banking institutions: 10+ instruments, facilities from €150K to €20M+. We don't finance an isolated need — we finance development, growth, strategy.
France and Europe Learn moreBusiness model audit and a growth strategy built and executed with the owner: positioning, offer, brand, new revenue streams.
International Learn moreDefensible valuation, institutional-grade investor materials, selective targeting through to closing.
International Learn moreDesign and structuring of turnkey businesses for investors deploying capital into the real economy. By introduction only.
International Learn morefinancing instruments available
in structured facilities
from first analysis to drawdown
Most applications fail not because the business isn't fundable, but because the file doesn't speak the bank's language. Where an owner submits a request, we submit an analysis: ratios computed to banking standards, debt capacity evidenced, objections answered before they're raised.
Beyond the numbers, we audit the business model and the company's positioning. The goal is not to finance a need, but to structure financing that wins market share.
A financing is built before it is requested — the analysis always comes before the approach.
Every company has an objective debt capacity, quantifiable from its accounts. We measure it before we defend it.
The right instrument in the right place: the combination of levers is worth more than each lever in isolation.
Financing is not just an answer to a need: it is a lever to win market share, accelerate revenue and structure growth.
We only present files we are able to defend.
Full transparency with the owner on the strengths and weaknesses of their file.
B2B and B2C services, building and construction, transport and logistics, trading and distribution, industry and manufacturing, energy and environment, automotive and mobility, security, hospitality and restaurants, healthcare and professional practices, e-commerce and tech, food and beverage, real estate and property traders.
Growing companies; owners looking to finance growth, restructure their cash position or clear liabilities; companies holding receivables, inventory or equipment that can be mobilised; young companies with a solid model; groups pursuing acquisitions.
Facilities from €150K to several tens of millions of euros.
An institutional-grade file, aligned with credit committee expectations.
The owner stays focused on the business — we carry the file end to end.
A total facility larger than any standalone request.
Files addressed to the right decision-makers — never mass-mailed.
A transparent assessment — no promises the file can't keep.
Nothing shared without the owner's consent.
Each file is built as a bespoke combination of the instruments below, sequenced to maximise the total facility while preserving the company's financial structure — in service of development, growth, strategy.
Working capital reinforcement sized to the real operating cycle: customer payment terms, inventory turnover, seasonality.
Ideal for: growing companies whose development consumes cash faster than profits replenish it.
Sound B2B receivables converted into immediate cash, with or without recourse; upstream audit of the receivables book.
Ideal for: B2B services, construction, transport, trading.
Trade bills turned into cash: the bank advances the funds as soon as the bill is issued.
Ideal for: companies paid by trade bills, trading and industry.
Investments and structural operations over 3 to 7 years, sized to real cash-flow generation.
Ideal for: profitable companies financing their development without draining their cash.
Vehicles, machinery and equipment without tying up cash; balance-sheet borrowing capacity is preserved.
Ideal for: transport, construction, industry, automotive.
Refinancing of assets already owned: immediate cash released from dormant assets, with no interruption to operations.
Ideal for: companies holding a significant equipment base.
Inventory as collateral (pledge) to finance the trading cycle.
Ideal for: trading, distribution, industry.
Cash facilities, authorised overdrafts and seasonal credit lines sized to the business.
Ideal for: any business exposed to swings in activity.
Tax or social security arrears, cash pressure: a first financing cleans up the balance sheet, then standard instruments are deployed.
Ideal for: viable companies carrying liabilities to clear.
| Company profile | Typical financing architecture |
|---|---|
| B2B services company | Factoring first on the receivables book, backed by a medium-term loan to strengthen working capital. |
| Building / Construction | Factoring on progress billings and issued invoices, leasing on equipment, medium-term debt on development. |
| Transport / Logistics | Leasing and lease-back on the fleet, factoring on freight receivables, short-term facilities on operations. |
| Trading / Distribution | Inventory financing, discount facility and factoring combined across the buy-and-resell cycle. |
| Industry / Manufacturing | Leasing on production equipment, inventory financing, medium-term debt on capacity investment. |
| Energy / Environment | Factoring on subsidy and key-account receivables, medium-term debt on equipment, project pre-financing lines. |
| Hospitality / Restaurants | Medium-term loans on works and goodwill, leasing on equipment, short-term lines to cover seasonality. |
| Healthcare / Professional practices | Medium-term loans on set-up and equipment, leasing on technical devices, start-up cash facilities. |
| E-commerce / Tech | Financing of inventory and customer-acquisition campaigns, short-term lines on receipts, medium-term debt on development. |
| Automotive / Mobility | Vehicle inventory financing, floor plan facilities, leasing and lease-purchase on fleets. |
| Profitable, low-debt SME | Medium-term loans with institutional guarantees: unused debt capacity is a major asset to leverage. |
| Young growing company | Factoring from the first invoices, public guarantees, early-stage financing backed by the order book. |
| Group pursuing external growth | Structured acquisition debt, refinancing of targets, multi-entity development facilities. |
| Company under pressure | A two-step sequence: liabilities cleared by mobilising assets, then standard financing. |
Every engagement follows the same process, whatever the amount. That discipline produces files of a quality credit committees rarely see.
Analysis of the latest financial statements and banking ratios, alongside an audit of the business model, market positioning and levers to improve the offer. Debt capacity is quantified in service of growth.
Systematic verification before anything is drafted. A Lexford file holds no surprises — for the bank or for the owner.
Amount, instrument mix and sequencing set from the company's real numbers and its growth strategy — no over-reaching that weakens the file, no under-sizing that stifles growth.
The file goes simultaneously to the institutions and decision-makers most relevant to the company's profile, to secure the best terms in the market — never a mass mail-out.
Negotiation of terms, coordination of all parties and end-to-end follow-through until funds are drawn down. One point of contact, from first conversation to funding.
We analyse each client's business model and run a full audit of the operations: positioning, offer, margins, organisation, market potential.
On that basis, we build a concrete growth strategy with the owner — evolving the offer, developing the brand, strategic partnerships and collaborations, new revenue channels, moving upmarket. We don't hand over a report — we build alongside you and stay through execution.
Let's talk about your projectA clear read of the market, the competition and the company's real position.
Evolving the offer, moving upmarket, structuring margins.
Building the brand and its clarity with the right clients.
Strategic partnerships and collaborations that open new markets.
New revenue channels and recurring models.
Roadmap, milestones and hands-on support through to delivery.
We structure fundraisings with business angels, family offices and institutional investors — with the same rigour as a bank financing.
A defensible valuation, built on verifiable assumptions.
Institutional-grade documentation: financial model, investment thesis, risks addressed head-on.
The right business angels, family offices and institutional investors — never a mass mail-out.
Negotiation of terms and support through to signing and funding.
For investors deploying capital into the real economy, we design, build and structure turnkey businesses: validated business model, legal and financial structuring, operational set-up, stewardship through to autonomy.
The investor acquires an operating company whose assumptions have been proven before they invest. This practice is available by introduction only.
Let's talk about your projectConcept, economic model and operating plan, calibrated to the investor's return objectives.
Legal and financial structuring, financing of the operation and set-up of the organisation.
Launch, recruitment of the key team and stewardship of operations through to full autonomy.
Preparing the company for sale, valuation and the search for qualified buyers.
Lexford structures and places financing for private clients, from standard mortgages to the most complex wealth operations. Every file is built to credit-committee standard, presented to the right lenders and negotiated through to drawdown.
Mortgage — Main home, second home, buy-to-let.
Bridge loan — Advance against a signed sale, buy-and-resell operations.
Property-backed loan — Liquidity secured on a property you own, without selling.
Prestige and exceptional properties — Châteaux, mansions, income buildings, renovation projects, in France and internationally.
Interest-only loan — Capital repaid at term, backed by an asset or pledged savings.
Buy-to-let — Unfurnished, furnished, co-living, short-term rental, income buildings.
Property companies and wealth structures — Corporate financing, split ownership, joint ownership, family holding.
Property traders — Buy-and-resell facilities, works financing, division operations.
Debt consolidation — Consolidation of outstanding loans to restore borrowing capacity.
Loan protection insurance — Optimised and switched to reduce the overall cost of borrowing.
Mortgage refinancing — Buy-back and restructuring of existing loans.
Liability restructuring — Debt consolidation, exit from blocked situations.
Re-mortgaging — Raising debt against unencumbered assets.
Lombard lending — Advances against a securities portfolio, life insurance or financial assets.
Asset monetisation — Artworks, collector cars, shareholdings.
Prestige vehicles — Credit, lease-purchase and leasing for collector and prestige cars.
Yachts and private jets — Structured financing for exceptional assets.
Artworks and valuables — Credit against mobilisable wealth assets.
Non-residents and expatriates — Financing in France from abroad, foreign-currency income, international multi-banking.
Business owners and self-employed — Non-salaried income, holdings, mixed remuneration, dividends.
Post-inheritance situations — Exits from joint ownership, equalisation payments, charges to clear.
Non-standard profiles — Age, loan-to-value, amounts or structures outside standard banking criteria.
One point of contact — From first analysis to release of funds.
Competitive tender — Private banks, retail banks and specialised lenders.
End-to-end negotiation — Rate, security, insurance and ancillary terms negotiated as one package.
Absolute confidentiality — Nothing shared without your consent.
The initial review relies on documents every company and private client already has. On that basis, a first estimate of what can be raised comes back within days.
For non-residents, business owners and corporate operations, the list is tailored to the situation during the first exchange.
Tell us about your project in a few lines. We reply within 48 hours with an initial view.