Lender review · SME private credit and leasing
Triple Point
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House OC321250
- Methodology Public
London-based investment manager running SME direct-lending, leasing and infrastructure-backed credit through a stack of fund vehicles. The lending arm targets established UK SMEs with £2m+ ticket needs across leasing, hire purchase and structured term debt. Not a self-serve product: relationship-led, sponsor and broker-introduced.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- SME private credit and leasing
- Ticket size
- £500k to £20m
- Typical rate
- Quoted at offer
- Decision time
- 3 to 8 weeks
- Soft search at quote
- No
- Limited companies only
- Yes
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- OC321250
- Founded
- 2006
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity3/5
- Decision speed2/5
- Decline handling4/5
How Triple Point works
Triple Point operates as a sme private credit and leasing provider in the UK SMB market. London-based investment manager running SME direct-lending, leasing and infrastructure-backed credit through a stack of fund vehicles. The lending arm targets established UK SMEs with £2m+ ticket needs across leasing, hire purchase and structured term debt. Not a self-serve product: relationship-led, sponsor and broker-introduced.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £500k to £20m band, decisions land within 3 to 8 weeks, and the published rate range is Quoted at offer. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Triple Point is FCA regulated.
Where Triple Point fits best: asset-heavy sme lease and hp £1m+, lower-mid-market direct lending, long-tenor structured debt. Where it does not fit: sub-£500k tickets, sole traders, speed-critical cases.
Pricing examples
Worked examples using Triple Point's published rate range (Quoted at offer). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a Triple Point quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Sub-£500k tickets; Speed-critical cases.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: Asset-heavy SME lease and HP £1m+; Lower-mid-market direct lending; Long-tenor structured debt.
Pros
- + FCA-authorised manager with substantial AUM behind lending vehicles.
- + Leasing, HP and structured debt under one umbrella.
- + Will underwrite asset-heavy SMEs ignored by clearing banks.
- + Long-tenor capital aligned with growth use cases.
Cons
- − Minimum ticket excludes lower-mid-market SMEs.
- − Long underwriting cycle; not a fast-cash option.
- − No published pricing.
Best for
- · Asset-heavy SME lease and HP £1m+
- · Lower-mid-market direct lending
- · Long-tenor structured debt
Weak at
- · Sub-£500k tickets
- · Sole traders
- · Speed-critical cases
When to use Triple Point
Use Triple Point when
Your application matches the best-fit profile: asset-heavy sme lease and hp £1m+, lower-mid-market direct lending, long-tenor structured debt. The published ticket range (£500k to £20m) covers your ask, the decision speed (3 to 8 weeks) fits your cash-gap timeline, and the rate range (Quoted at offer) is acceptable to you given your credit profile.
Do not use Triple Point when
Your profile sits in the weak-at list: sub-£500k tickets, sole traders, speed-critical cases. Triple Point will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Triple Point as a screen.
FAQs
What is the minimum trading time for Triple Point?
Triple Point typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Triple Point require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Triple Point is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For sme private credit and leasing specifically, expect a PG to be requested.
How fast does Triple Point fund?
Triple Point quotes 3 to 8 weeks for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Triple Point?
Triple Point's published range is Quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Triple Point declines me?
If Triple Point declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Triple Point scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.triplepoint.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Triple Point.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.triplepoint.co.uk.