Finance

Optimising your wealth through the right funding, genuine asset protection, and leverage that works for you rather than against you.

Optimising wealth through the right funding

The right funding decision does more than provide capital, it shapes your cap table, your risk profile, and your options at exit. We help you weigh debt against equity, structure facilities that match your actual cash flow rather than a lender's template, and negotiate terms that protect your upside rather than quietly eroding it over the life of the facility.

Asset protection built in from day one

Growth creates exposure long before it creates wealth. We structure your lending and finance arrangements so personal assets stay properly separated from operational risk, personal guarantees are minimised wherever genuinely possible, and your protection strategy evolves alongside your business rather than being bolted on after a problem has already appeared.

Using leverage without being used by it

Leverage, used well, accelerates genuine wealth creation. Used carelessly, it becomes the thing that unwinds it. We model the debt capacity your business can genuinely sustain, structure facilities against real cash flow rather than optimistic projections, and build in the headroom that keeps leverage working for you through a downturn, not against you.

The kind of funding we structure

Working capital and trade finance to fund growth without unnecessary equity dilution. Asset and equipment finance structured against genuine utilisation, not just what a lender is willing to offer. Property and commercial lending, including construction and development facilities. Private debt and revenue-share arrangements for businesses that don't fit a traditional bank credit box. Refinancing of existing facilities onto better terms as your business and its risk profile mature.

Why this sits inside Zerix, not beside it

Finance decisions rarely stay in their own lane. A facility structured without reference to your legal entity setup, your tax position, or your wider wealth plan usually needs unwinding later, at real cost. Because finance sits inside the same team as your accounting, legal, and wealth advisers, every facility we structure is built with the full picture in view from the outset.