Debt Advisory Companies in the UK: Guide to Providers
AC
Acumon Chartered Accountants·16 min read
Choosing a debt advisory firm is rarely just about securing finance or renegotiating existing facilities. The right adviser can help an organisation understand its options, manage lender relationships, and make difficult financial decisions with a clearer view of the risks involved.
The UK has a broad mix of debt advisory providers, from major professional services networks to independent corporate finance and restructuring specialists. Their experience, sector focus, and approach can vary considerably, particularly when dealing with refinancing, acquisition debt, stressed situations, or complex capital structures.
This guide looks at a selection of firms providing debt advisory services across the UK. It is not a ranking. Instead, it offers practical context on who these advisers are, the organisations they tend to work with, and the areas of debt finance where they are most active.
Acumon
Acumon is a UK firm of chartered accountants and registered auditors providing debt advisory services to companies, charities, owner-managed businesses, and international corporate groups.
The firm works with organisations at different stages of development, from growing businesses reviewing their first external funding options to larger groups restructuring existing borrowing arrangements. Its debt advisory work focuses on understanding the organisation's financial position, funding objectives, repayment capacity, and wider corporate structure before a financing strategy is developed.
Debt decisions are rarely limited to securing the lowest interest rate. The terms of the facility, covenant requirements, repayment profile, security arrangements, reporting obligations, and the relationship between different group entities all affect whether a funding structure remains workable over time. Acumon supports finance teams and boards in assessing these factors before discussions with lenders begin.
The firm's wider audit and financial reporting background provides an additional perspective when reviewing debt capacity and lender readiness. Acumon holds a Public Interest Entity (PIE) audit licence and works with listed companies and other organisations subject to enhanced regulatory oversight in the United Kingdom. This experience supports a detailed understanding of financial reporting, governance, internal controls, and the information expected by external stakeholders.
Acumon also holds audit licences in several international financial centres, including the Cayman Islands, British Virgin Islands (BVI), Jersey, and Isle of Man. This international footprint is particularly useful when debt arrangements relate to corporate groups with UK operating companies, overseas subsidiaries, offshore holding entities, or investment structures across several jurisdictions.
International groups frequently need to consider how borrowing is raised, secured, serviced, and reported across separate legal entities. Acumon works with management teams to review group financial information, existing facilities, cash flow forecasts, and proposed funding terms as part of the wider debt advisory process.
The firm supports organisations seeking new finance, refinancing existing debt, renegotiating lender terms, or bringing greater structure to their borrowing strategy. Its work is designed to help decision-makers understand both the immediate funding options and the longer-term financial commitments attached to them.
Debt Advisory Capabilities:
Acumon provides debt advisory support across a wide range of organisational structures and funding situations.
These include:
UK limited companies and corporate groups
Public Interest Entities (PIEs) and regulated organisations
offshore holding companies and investment vehicles
Debt advisory engagements are led by senior professionals who remain directly involved throughout the process, from the initial financial review and funding assessment through to lender discussions and the evaluation of proposed terms.
Regulatory Licences and Registrations:
Acumon's regulatory registrations reflect the firm's experience working with organisations that operate under different financial reporting, governance, and compliance frameworks.
These include:
UK statutory audit registration
Public Interest Entity (PIE) audit licence
Jersey audit licence
Isle of Man audit licence
Cayman Islands audit licence
British Virgin Islands audit licence
While these registrations relate to audit work, they also demonstrate Acumon's familiarity with complex group structures, regulated environments, cross-border reporting, and the financial information reviewed by boards, investors, and lenders.
Core Services:
Acumon's debt advisory work covers the financial, commercial, and reporting considerations connected with business borrowing.
These include:
statutory external audit
group and subsidiary audits
Public Interest Entity (PIE) audits
charity and not-for-profit audit
audit of international group structures
internal audit and governance reviews
risk management and compliance support
Debt advisory work is delivered alongside discussions with management and boards regarding cash flow, financial reporting, internal controls, governance arrangements, and the organisation's ability to meet ongoing lender requirements.
Many organisations review their borrowing arrangements as they grow, prepare for investment, or expand their operations.
Acumon works with businesses that are:
approaching their first external debt financing
preparing for external investment
expanding into international markets
operating within corporate group structures
Early engagement with a debt advisory firm helps ensure that financial information, cash flow forecasts, and supporting documentation are prepared before discussions with lenders begin.
Address: 1-2 Craven Road, Ealing, London, W5 2UA, UK
Price Bailey
Price Bailey is an accountancy and advisory firm with a corporate finance team covering debt funding, financial modelling, due diligence, acquisitions, private equity and strategic planning. Their debt advisory work starts with the company's plans and funding requirements, rather than moving straight to a particular lender or product. They review the proposed strategy, assess how much funding is needed and build the financial models used to support the process.
They advise on debt structures, approach suitable providers and handle negotiations around pricing, covenants and other facility terms. Their team works across traditional bank lending, structured finance, invoice discounting, stock finance, asset-based lending, challenger banks, alternative lenders and venture debt. They also restructure existing facilities and work with banks assessing funding requests, giving them experience of the process from both sides.
Key Highlights:
Funding reviews linked to business strategy
Experience working with borrowers and banks
Advice covering new and existing facilities
Coordination with corporate finance and tax teams
Work with growth, acquisition and ownership transition plans
Address: 8th Floor, Dashwood House, 69 Old Broad Street, London EC2M 1QS
Facebook: www.facebook.com/PriceBaileyLLP
Twitter: x.com/price_bailey
LinkedIn: www.linkedin.com/company/price-bailey
Instagram: www.instagram.com/pbpeople
S&W
S&W is a UK and Ireland accountancy and advisory firm working with businesses, private clients and organisations with complex financial requirements. Their wider service range covers accountancy, audit, assurance, tax, corporate finance, advisory and digital work. Specialist teams operate across these areas, with a lead adviser coordinating the people involved in each engagement.
Their corporate finance and transactions practice includes debt advisory as part of a broader set of financial and deal-related services. They work through an integrated model, bringing together different specialists when a matter involves more than one discipline. This allows debt, tax, accounting and transaction questions to be handled within the same advisory relationship rather than as separate pieces of work.
Key Highlights:
Accountancy and advisory presence across the UK and Ireland
Specialist teams across financial and business disciplines
One lead adviser coordinating wider support
Work with businesses and private clients
Integrated approach to complex assignments
Services:
Debt advisory
Corporate finance
Transaction support
Tax advisory
Accountancy
Audit and assurance
Business advisory
Digital services
Contact Information:
Website: www.swgroup.com
Phone: +44 117 233 2200
Address: 45 Gresham Street, London EC2V 7BG
Twitter: x.com/S_W_Group
LinkedIn: www.linkedin.com/company/swgroupuk
Consult EFC
Consult EFC is an independent ICAEW chartered accountancy and corporate finance practice based in London. Their debt advisory work is aimed at UK founders, scale-ups, private equity-backed companies and established SMEs seeking facilities between £1 million and £50 million. Engagements are partner-led and the firm does not accept commissions or referral payments from lenders.
Their process begins with debt capacity and financial modelling before any lenders are contacted. They prepare the information memorandum, three-statement forecast, covenant analysis and lender data room, then run a competitive process across banks, private credit funds, asset-based lenders and venture debt providers. The same team remains involved through term sheet negotiations, credit committee questions, legal documentation and drawdown.
Key Highlights:
Independent of lender commissions
Partner-led throughout the engagement
Typical facility range of £1 million to £50 million
Competitive lender process rather than a single-lender approach
Address: 71–75 Shelton Street, Covent Garden, London WC2H 9JQ
LinkedIn: www.linkedin.com/in/kish-patel
BTG Consulting
BTG Consulting is a financial and real estate advisory group listed on the Alternative Investment Market of the London Stock Exchange. They work with businesses, financial institutions, professional advisers, not-for-profit organisations and individuals across the UK and internationally. Their work centres on funding projects, protecting business and asset value, handling periods of change and resolving complex financial or operational issues.
They combine financial and real estate expertise across eight service lines, drawing on teams based throughout the UK and in several offshore jurisdictions. BTG does not undertake audit or tax work, which keeps its advisory model separate from those services. Their teams work across funding, restructuring, transactions, asset matters and situations involving financial pressure or strategic change.
Key Highlights:
Listed financial and real estate advisory group
Integrated financial and property expertise
UK, offshore and international coverage
Independent model without audit or tax services
Work with businesses, institutions and advisers
Experience in periods of change and financial pressure
Moore Kingston Smith is a multidisciplinary advisory, tax and audit firm working with clients across a broad range of industries. They operate locally and internationally through the Moore Global network, combining sector knowledge with services covering finance, transactions, tax, assurance, restructuring and business growth. Their client base includes privately owned businesses, nonprofit organisations, professional firms, financial services companies and international groups.
Their corporate finance work sits alongside valuation, restructuring, outsourced accounting, financial planning and business advisory services. This broader structure allows their teams to deal with transactions and funding matters that also involve tax, reporting, valuation or operational questions. Engagements are handled by sector and service specialists rather than through a single general advisory team.
Key Highlights:
Multidisciplinary advisory, tax and audit practice
Member of the Moore Global network
Sector-focused teams
Local and international work
Corporate finance linked with valuation and restructuring expertise
Services for commercial and nonprofit organisations
KPMG's UK debt and capital advisory practice works on financing matters ranging from routine refinancing to acquisitions, capital expenditure, liquidity pressure and balance sheet restructuring. Their UK team includes advisers with backgrounds in advisory, lending and investment, supported by specialists elsewhere in KPMG's international network. They work across banking facilities, debt capital markets, leveraged finance, alternative lending, real estate finance and structured products.
Their work covers both planning and execution. They assess debt capacity, review available funding routes and advise on capital structures before taking a financing into the market. The team also negotiates with lenders, handles refinancing and restructuring discussions, advises on credit ratings and benchmarks pricing or terms for related-party and governance purposes.
Key Highlights:
Dedicated UK debt and capital advisory team
Experience from advisory, lending and investment roles
Coverage across public and private debt markets
Sector and product specialists within the wider network
Work spanning healthy, growth and stressed situations
Advice from initial assessment through execution
Services:
Capital structure planning
Debt capacity analysis
Funding options assessment
Debt raising and refinancing
Acquisition finance
Growth and capital expenditure funding
Credit rating advisory
Lender negotiations
Covenant amendments
Restructuring and recapitalisation
Debt pricing and terms benchmarking
ESG financing
Contact Information:
Website: kpmg.com
Phone: +44 (0)161 246 4000
Address: 1, St Peter's Square, Manchester M2 3AE, United Kingdom
Twitter: x.com/kpmguk
Facebook: www.facebook.com/KPMG
LinkedIn: www.linkedin.com/company/kpmg-uk
Forvis Mazars
Forvis Mazars is an international professional services network providing audit, accounting, tax, consulting and financial advisory services. Their UK practice works across sectors including consumer markets, energy and infrastructure, financial services, life sciences, manufacturing, private equity, technology and the public sector. Teams combine industry knowledge with specialists from the firm's wider advisory and accounting practices.
Debt advisory forms part of their financial advisory and financing work. Their wider structure gives them access to professionals in transactions, accounting, tax, consulting and sustainability when an assignment involves several financial or operational questions. They work with organisations of different sizes in the UK and through their international network.
Key Highlights:
UK practice within an international network
Financial advisory alongside audit, tax and consulting
Teams organised by sector and technical specialism
Work with private, public and investor-backed organisations
Access to international expertise
Integrated support across financial disciplines
Services:
Debt advisory
Financing advice
Financial advisory
Transaction support
Accounting and outsourcing
Audit and assurance
Consulting
Tax advisory
Sustainability services
International business services
Contact Information:
Website: www.forvismazars.com
Phone: +44(0) 161 238 9200
Address: One St Peters Square, Manchester, M2 3DE, United Kingdom
Kreston Reeves is an accountancy and advisory firm working across finance, tax, audit, corporate transactions, restructuring and strategic planning. Their teams cover businesses at different stages of growth, from early expansion through to more complex ownership, funding and international matters. They also work across sectors including financial services, manufacturing, real estate, technology, professional services, charities and education.
Their funding work begins with the business plan, cash requirements and the stage the company has reached. They deal with short-term working capital as well as longer-term investment, using routes such as asset finance, invoice finance, trade finance, merchant cash advances and property lending. For more complex requirements, their corporate finance and strategic support teams also work on finance raising, cash flow management and debt strategy.
Key Highlights:
Funding advice based on business stage and cash requirements
Work across short-term and longer-term finance
Access to specialist and mainstream lenders
Funding linked with corporate finance and strategic planning
Teams based across London, Kent and Sussex
Services:
Asset finance
Invoice finance
Trade finance
Merchant cash advances
Working capital finance
Property finance
Debt strategy
Cash flow management
Business planning
Raising finance
Contact Information:
Website: www.krestonreeves.com
Phone: +44 (0)330 124 1399
Address: 2nd Floor, 168 Shoreditch High Street, London, E1 6RA
Twitter: x.com/KrestonReeves
LinkedIn: www.linkedin.com/company/kreston-reeves
Armstrong Watson
Armstrong Watson is an accountancy and advisory firm with a dedicated business funding and debt advisory team. They begin by looking closely at the business, the reason for raising finance and the structure already in place. From there, they identify possible funding routes and approach lenders from both the mainstream banking market and the alternative finance sector.
Their team manages the process from the first discussion through to drawdown. This includes preparing the funding proposal, selecting lenders, comparing offers, negotiating terms and coordinating completion. When the work touches other parts of the business, they bring in colleagues covering forecasts, tax, company structures and financial planning.
Key Highlights:
Independent lender selection
Network covering mainstream and alternative finance providers
End-to-end management through to drawdown
Funding proposals prepared before approaching lenders
Wider accounting and tax input available during the process
Grant Thornton UK is a professional services firm providing advisory, audit, assurance and tax services. Their work spans privately owned businesses, large organisations, public bodies and regulated sectors, with teams operating across the UK. The firm combines local offices with access to an international network, while keeping much of its work organised around specialist service lines and industries.
Their advisory practice includes deals, restructuring, insolvency, financial services advisory, consulting and forensic work. Teams deal with transactions, financial pressure, regulatory matters, business change and wider strategic decisions. Debt-related assignments sit within this broader deals and restructuring environment, alongside work on funding, transactions and financial recovery.
Key Highlights:
UK-wide professional services practice
Advisory work organised by sector and technical discipline
Experience across private, public and regulated organisations
Deals and restructuring teams within the wider firm
PKF Francis Clark is a chartered accountancy and business advisory firm with offices across the South and South West of England. They work with owner-managed businesses, larger organisations and international groups, supported by the wider PKF network. Their teams cover corporate finance, tax, audit, accounting and sector-specific advisory work.
Their corporate finance practice includes debt and equity fundraising, buy-side and sell-side advice, management buyouts and transaction support. They work closely with management teams to understand the commercial background behind a funding requirement, rather than treating it as a standalone financing exercise. The same firm also provides tax, accounting and technical input where a transaction crosses several areas.
Key Highlights:
Corporate finance team within a wider accountancy practice
Debt and equity fundraising experience
Regional presence across southern England
Access to the PKF international network
Work with management teams and privately owned businesses
Transaction advice connected with tax and accounting expertise
PwC UK is a professional services firm working across audit, consulting, deals, risk and tax. Their clients include private businesses, listed groups, public bodies and third-sector organisations. Teams are organised around technical services and industries, with specialists brought together when a matter involves several financial, operational or regulatory questions.
Their debt and capital advisory work sits within the business restructuring practice. It deals with capital structures, financing decisions, lender discussions and situations where a business needs to raise, refinance or reorganise debt. The team also works alongside restructuring, deals, tax and sector specialists when the funding question forms part of a wider transaction or period of financial pressure.
Key Highlights:
Debt and capital advice within the restructuring practice
Access to deals, tax, consulting and industry specialists
Work with private, public and third-sector organisations
Financing considered alongside wider business issues
UK practice connected to an international network
Services:
Debt advisory
Capital advisory
Refinancing
Capital structure reviews
Lender negotiations
Business restructuring
Transaction support
Deals advisory
Risk advisory
Tax advisory
Contact Information:
Website: www.pwc.com
Phone: +44 (0)14 1355 4000
Address: 120 Bothwell Street, Glasgow, G2 7JS
Instagram: www.instagram.com/pwc_uk
Facebook: www.facebook.com/PwCUK
LinkedIn: www.linkedin.com/company/pwc-uk
MHA
MHA is a UK accountancy and business advisory firm providing audit, tax, consulting, outsourcing, wealth and wider advisory services. They work across a range of industries, including financial services, manufacturing, property, technology, healthcare, charities and professional services. Their UK teams are supported by the Baker Tilly International network for cross-border work.
Their advisory model brings together specialists from different parts of the firm when a business issue extends beyond one service area. Funding and capital questions may involve financial reporting, tax, restructuring, corporate finance or wider commercial planning, so the work is handled through a connected team rather than a single isolated discipline.
Key Highlights:
Independent UK member of Baker Tilly International
Advisory, audit, tax and consulting under one firm
Most organisations do not choose a debt adviser on name alone. The decision usually comes down to the type of funding involved, the complexity of the transaction, the size of the facility and how much hands-on support the business needs. A company looking for working capital will have different priorities from one refinancing a group structure, funding an acquisition or negotiating with several lenders at once.
It is also worth looking at how each firm works. Some advisers focus heavily on financial modelling and lender preparation, while others bring in tax, restructuring, corporate finance or sector specialists as part of the same engagement. Independence, lender reach, covenant experience and involvement through to drawdown can all matter, but not every organisation will need the same combination.
This guide brings those differences into one place, making it easier to compare firms without treating the list as a ranking. It gives organisations a clearer starting point for narrowing the options, asking better questions and choosing an adviser whose experience matches the funding situation in front of them.
AC
Written by the Acumon team
Acumon is an ICAEW-registered firm of chartered accountants and registered auditors
based in London, with offices in Pitstone, Aylesbury and Bournemouth. Need advice on
anything covered here? Talk to us.
An internal audit function must be assessed by a qualified, independent assessor at least once every five years. That requirement is Standard 8.4 of the Global Internal Audit Standards, which…
An internal audit function must be assessed by a qualified, independent assessor at least once every five years. That requirement is Standard 8.4 of the Global Internal Audit Standards, which…
An internal audit function must be assessed by a qualified, independent assessor at least once every five years. That requirement is Standard 8.4 of the Global Internal Audit Standards, which…
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