Funding

Investment readiness, lender targeting, deal structuring, and stress testing

Lenders

In database

Investors

Active pipeline

Pipeline Value

£500k

Interested

Covenants

5/6

Compliant

Data Room

8/12

Docs ready

Scenarios

Best / Likely / Worst

⚠ SEIS/EIS — Excluded Trade Risk: Advance Assurance Required

Energy arbitrage / battery trading may constitute an excluded trade under HMRC SEIS/EIS rules, disqualifying RoseStack from qualifying for tax-relief-backed investor funding. Probability: Medium. Impact: High — would significantly reduce early investor appeal.

Required action before any SEIS/EIS raise: Obtain HMRC Advance Assurance. Engage specialist SEIS/EIS counsel to structure the business around ESA service delivery (not energy trading). Do not present SEIS/EIS relief to investors until Advance Assurance is in hand.

This warning cannot be dismissed. Remove only after HMRC Advance Assurance is received. See Risk Register R-REG-004.

Lender	Type	Funding Range	Rate	DSCR Req	Status
Lombard (NatWest) Major UK asset finance provider, part of NatWest Group. Strong track record in energy asset financing with dedicated green energy team.	Asset Finance	£25k - £5.0M	5.5%–8.0%	1.25x	researching
Close Brothers Asset Finance Specialist asset finance with renewable energy division. Flexible on early-stage businesses if asset quality is strong.	Asset Finance	£10k - £2.0M	6.0%–9.0%	1.20x	researching
Green Finance Institute Government-backed institute connecting green projects with finance. Not a direct lender but facilitates introductions and co-designs financing solutions.	Green Fund	£50k - £10.0M	Varies by product	1.15x	researching
British Business Bank — Growth Guarantee Scheme (GGS) Growth Guarantee Scheme provides 70% government guarantee to lenders for SMEs lacking security. Up to £2M per business group, term loans up to 6 years. Runs until 31 March 2026 (may be extended).	GGS Scheme	£1k - £2.0M	5.0%–8.0% + GGS fee	1.10x	researching
Triodos Bank Ethical bank focused exclusively on sustainable projects. Strong appetite for community energy and storage. Longer assessment but competitive rates.	Green Fund	£50k - £3.0M	4.5%–6.5%	1.20x	researching
Abundance Investment FCA-regulated community investment platform for green energy projects. Issues ISA-eligible debentures to retail investors.	Community	£100k - £5.0M	5.0%–7.0%	1.15x	researching
Ethex Positive investment platform connecting social enterprises with investors. Specialises in community energy share offers.	Community	£50k - £2.0M	4.0%–6.0%	1.10x	researching
Octopus Energy Generation Investment arm of Octopus Energy. Invests in renewable energy generation and storage projects across the UK.	Green Fund	£250k - £20.0M	4.0%–6.0%	1.30x	researching
Crowdcube Leading UK equity crowdfunding platform. SEIS/EIS eligible investments. Strong for early-stage companies with consumer-facing story.	Equity	£50k - £5.0M	Equity dilution	N/A	researching
Republic Europe (formerly Seedrs) UK equity crowdfunding platform, acquired by Republic in 2022 for $100M. Strong investor base interested in impact and sustainability.	Equity	£25k - £2.0M	Equity dilution	N/A	researching
Innovate UK — Energy Catalyst Grant funding for innovative energy projects. Non-dilutive funding for R&D and pilot phases.	Public Body	£25k - £500k	Grant — no repayment	N/A	researching
Funding Circle UK institutional lending platform for SMEs (fully institutional since 2022, FTSE 250, revenue £204M in 2025, extended £2.45bn in credit). Quick decisions, flexible terms. Higher rates but faster than traditional lenders.	Bank	£10k - £500k	7.0%–12.0%	1.15x	researching
National Wealth Fund (formerly UK Infrastructure Bank) Government institution focused on clean energy infrastructure including battery storage. Deploying up to £5bn/year. Primarily larger projects but partner network includes regional SMEs.	Public Body	£250k - £50.0M	Government-backed, below market	1.15x	researching