Caple BV

Caple BV operates as a specialized finance company, focusing on providing long-term, unsecured growth credit to small and medium-sized enterprises (SMEs) across Europe. The company was founded in 2015 by Michiel Slinkert and Dominic Buch, who both serve as Managing Partners. Buch began his career as a sell-side equity analyst and later founded and led an IPO for an investment vehicle. Slinkert possesses extensive experience in the operational and strategic management of financial services companies, including roles as a managing partner of a private bank and an executive director of an international investment management group.

The firm's business model is centered around a technology-driven platform that connects SMEs with institutional investors. Caple does not lend directly but facilitates access to capital, with funding partners like BNP Paribas Asset Management providing the loans. The company generates revenue through an upfront processing fee charged to the borrower. Its target clients are established SMEs seeking capital for growth, investment, acquisitions, or changes in ownership, such as management buyouts.

Caple's primary service is the facilitation of unsecured business loans ranging from £500,000 to £5 million, with repayment terms of five to eight years. A key differentiator is that these loans do not require personal guarantees or collateral, which allows businesses to secure financing based on their strategic plans and future cash flow projections rather than their asset base. The process is initiated through a network of independent accountants and financial advisors, referred to as Caple Partners. These partners use Caple's proprietary online platform to conduct an initial rating and, if positive, to build a comprehensive funding proposal, which includes an analysis of the business, its strategy, and financial forecasts. Caple's team then assesses the proposal to determine the loan's feasibility and terms.

Keywords: SME financing, unsecured business loans, growth credit, alternative lending, financial technology, corporate finance, SME lending, institutional investors, debt financing, MBO financing, acquisition funding, business expansion loans, cash flow lending, European SME funding, long-term business loans, Caple Partners, BNP Paribas Asset Management, Michiel Slinkert, Dominic Buch, specialized finance