Shard Credit Partners
London-based private credit manager running direct lending into UK and European lower-mid-market companies. Unitranche, second-lien and growth-debt structures into private equity-backed and founder-owned businesses. Not an SME lender in the conventional sense: minimum ticket sits at multiple millions and underwriting is sponsor-led.
Quick routing verdict
- Product: Private credit / direct lending.
- Ticket band: £5m to £30m.
- Decision time: 4 to 10 weeks.
- Pricing: Quoted at offer.
- FCA-authorised.
At a glance
- Legal entity
- Shard Credit Partners Ltd
- Companies House
- 09594110
- Founded
- 2015
- Product
- Private credit / direct lending
- Ticket range
- £5m to £30m
- Decision time
- 4 to 10 weeks
- Ltd-only
- Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
- Last reviewed
- 2026-05-08
Why we route here
- Genuine private-credit balance sheet for sponsor and founder-led deals.
- Unitranche capability removes the need to syndicate senior and mezzanine.
- Long-tenor capital aligned with growth and acquisition use cases.
- FCA-authorised investment manager.
When we route elsewhere
- Minimum ticket excludes the SME mid-market.
- Long underwriting cycle; not a fast-cash option.
- Pricing bespoke and sponsor-driven.
Best fit applicants
- Sponsor-backed buyouts £5m+
- Founder-led growth debt
- Acquisition finance
Where Shard Credit Partners is the wrong fit
- Sub-£5m tickets
- Working-capital and short-term needs
- Owner-managed SMEs without sponsor or covenant package
If declined by Shard Credit Partners
If your application to Shard Credit Partners is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Shard Credit Partners decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Shard Credit Partners
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Shard Credit Partners and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.