Portfolio

Attractive assets, profitable partnerships

01 Portfolio

Creating profitable partnerships

Capitalflow. Enabling SMEs to grow.

Pollen Street Capital is backing a highly experienced senior management team with a strong track record of providing asset finance, invoice discounting and full asset-based lending facilities.

01 Case Study

Capitalflow. Enabling SMEs to grow.

Year invested: 2016

Year exited: current invested

Sector: financial services

Type: growth capital

Pollen Street Capital is backing a highly experienced senior management team with a strong track record of providing asset finance, invoice discounting and full asset-based lending facilities to small and medium businesses.

Capitalflow’s focus on quality of service and relationships, combined with its modern infrastructure and experienced team, means it is ideally placed to take advantage of exciting market opportunities.

The team brings with it proven origination capabilities, in-depth knowledge and decades of experience in generating excellent returns throughout the economic cycle.


1st Stop Group. Growth in near-prime consumer lending.

Established in 2009, 1st Stop Group has undergone significant growth across its Secured Lending, Car Finance, Personal Loan and Home Improvement Products.

02 Case Study

1st Stop Group. Growth in near-prime consumer lending.

Year invested: 2016

Year exited: current invested

Sector: financial services

Type: growth capital

Established in 2009, 1st Stop Group has undergone significant growth across its Secured Lending, Car Finance, Personal Loan and Home Improvement Products, driven by its detailed understanding and experience of the near prime segments of its chosen markets.

The investment by Pollen Street Capital will allow the group to continue to develop and grow its lending book whilst also investing in infrastructure and platform to deliver an excellent level of customer service alongside the detailed and thorough underwriting required to build a high quality lending business.


Shawbrook Bank. The challenger bank with 100,000 customers.

Shawbrook Bank is a UK challenger bank providing best in class financial products and services to under served segments of the SME and consumer sectors.

03 Case Study

Shawbrook Bank. The challenger bank with 100,000 customers.

Year invested: 2011

Year exited: current invested

Sector: financial services

Type: growth capital

Shawbrook Bank is a UK challenger bank providing best in class financial products and services to under served segments of the SME and consumer sectors.

The business provides commercial mortgages, asset finance and invoice financing to SMEs and various loan types to consumers including home improvement loans, secured loans and unsecured loans.

Lending to SME’s accounts for over 70% of the lending assets, differentiating it from other challenger banks.

Shawbrook was founded in 2011 and has since grown rapidly with the balance sheet increasing from £20m to over £2bn by June 2014 with over 100,000 customers.

The balance sheet is financed through an online retail savings proposition which offers consistent rates to consumers and SMEs and has also accessed the funding for lending scheme.


Cashflows. Payments at a better price.

Cashflows is a payments business offering customers merchant acquiring, ATM acquiring, card issuance and wholesale payments capabilities.

04 Case Study

Cashflows. Payments at a better price.

Year invested: 2011

Year exited: current invested

Sector: financial services

Type: MBO/growth capital

Cashflows is a payments business offering customers merchant acquiring, ATM acquiring, card issuance and wholesale payments capabilities.

Cashflows is a new entrant operating in the wholesale segment of the market, traditionally dominated by a small number of large banks, and characterised by limited competition and poor customer service.

As a principal member of Visa and Mastercard, and with integration into the payments infrastructure, Cashflows can offer customers a flexible approach and more attractive pricing than incumbents.


Freedom Finance. The biggest personal loan broker.

The business has developed a multi-channel loan application platform coupled with a proprietary multi-lender decision engine that provides instant, accurate loan quotations.

05 Case Study

Freedom Finance. The biggest personal loan broker.

Year invested: 2014

Year exited: current invested

Sector: financial services

Type: MBO

The business has developed a multi-channel loan application platform coupled with a proprietary multi-lender decision engine that provides instant, accurate loan quotations by matching personal information and credit bureau data with lender's criteria and scorecards.

Freedom partners with some of the most recognised and established lenders in the UK, in order to build a representative whole-of-market panel to deliver secured and unsecured loans with superior customer outcomes.


Valdis. Software that enhances underwriting.

Validis is an industry-first software solution that empowers global accountancy firms, financial institutions and commercial businesses through enabling the rapid collection of transaction-level financial data.

06 Case Study

Valdis. Software that enhances underwriting.

Year invested: 2015

Year exited: current invested

Sector: financial services

Type: growth capital

Validis is an industry-first software solution that empowers global accountancy firms, financial institutions and commercial businesses through enabling the rapid collection of transaction-level financial data from SME clients, and presenting this data in a user-friendly, standardised format.

Validis is used by a growing number of blue-chip clients to assist in a range of applications including; enhancing credit underwriting efficiency and depth, ongoing borrower and portfolio monitoring, and conducting audits and financial reviews.

Existing clients include Deloitte, Barclays, Bibby Financial Services and Verus 360.