How to apply for corporate funding through MGN funding

For mid-market enterprises, scale-ups, and established corporate entities, securing substantial capital to facilitate expansion, infrastructure development, or debt refinancing requires navigating a structured underwriting framework. When standard retail high-street bank overdrafts or basic commercial loans are not a suitable fit for high-value operations, specialised commercial funding programmes provide a necessary path forward.

One such structured facility is MGN funding. This operational guide outlines the factual eligibility baselines, document requirements, and indicative timelines required to successfully prepare and submit an application for corporate capitalisation.

Overview of the MGN funding facility

• Primary function: A bespoke commercial funding pipeline designed for corporate acquisitions, large-scale asset finance, working capital optimization, and strategic project delivery.
• Target audience: Solvent, properly incorporated businesses utilising mid-market asset finance structuring to evaluate syndicated loans vs private credit setups and secure non-restrictive, non-dilutive capital solutions.
• Structuring flexibility: Where standard cash flow or real estate security is insufficient, transactions can be reviewed alongside a structured alternative credit portfolio—such as corporate venture capital models, asset-backed arrangements, and credit guarantee enhancements.

Eligibility criteria and exclusions

To ensure a streamlined intake and evaluation process, candidate businesses must strictly align with the baseline underwriting parameters required by the programme’s credit committees.

Eligible industries and sectors

The capital deployment framework is optimised for industries requiring intensive capital expenditure or distinct asset-backed growth. According to current criteria, these core sectors include:

• Civil construction & infrastructure: Large-scale commercial developments and public works contractors.
• Manufacturing, engineering & heavy industry: Facilities scaling, production automation, and machinery acquisition.
• Technology & infrastructure scaling: Advanced digital systems, intellectual property development, and corporate software frameworks.
• Real estate & property development: Funding for substantial commercial portfolios and industrial construction.

Financial and structural limits

According to current criteria, applications are bounded by the following operational constraints:

• Minimum facility size: The typical minimum facility size processed under this specific programme is from €5 million on standard terms. Capital requests falling below this threshold are generally rerouted to alternative commercial loan packages.
• Currency protocols: Due to regional institutional clearing frameworks and standard provider mandates, transactions are primarily processed, denominated, and cleared in Euros (€), Great British Pounds (£), or Swiss Francs (CHF).
• Company status: The applicant must be a legally incorporated trading entity operating solvently. While greenfield projects or new corporate ventures may be reviewed on a case-by-case basis, the applicant company must demonstrate exceptional management credentials and be completely free from existing debt recovery due to banks and financial institutions.

The step-by-step application process

The corporate onboarding framework utilises a tiered, digitalised process designed to accelerate document handling, maintain absolute compliance, and verify underlying assets effectively.

Step 1: The initial inquiry and screening

The process begins with a formal online commercial inquiry. The applicant corporate body provides a high-level overview of the capital required, the precise commercial use of proceeds, and a summary of the firm’s current financial standing. This initial assessment filters out clear sector or structural mismatches before formal documents are generated.

Step 2: Compiling the client information profile (CIP)

Upon preliminary clearance from the intake team, the applicant is granted access to a secure digital documentation portal. To comply with international Anti-Money Laundering (AML) laws and institutional ‘know your customer’ (KYC) requirements, the applicant must complete a comprehensive client information profile (CIP).

Required documentation at this phase typically includes:

• Corporate registry identification: Verifiable articles of incorporation, corporate certificates, and full Ultimate Beneficial Owner (UBO) declarations.
• Financial auditing records: Certified or audited financial statements for the preceding trading years, current asset and liability ledgers, and dynamic cash-flow projection models.
• Business plan & project model: A clear, itemised report detailing exactly how the drawn capital will be utilised to generate revenue or achieve balance-sheet optimisation.

Step 3: Underwriting and term sheet issuance

Once the compliance team completes the verification of the identity and asset files, the application moves into bespoke corporate underwriting frameworks. Corporate borrowers frequently ask: are non banking entity servicers required to have real underwriters? To ensure institutional viability, the vetting panel adheres to absolute professional evaluation standards before an indicative term sheet is issued to the applicant. The term sheet outlines the proposed structural components of the facility, including custom amortisation credit facilities and structured schedules for credit amortisation (which vary depending on risk profiles, market positioning, and interbank benchmarks), arrangement costs, and total amortisation schedules. Final terms remain subject to final underwriting and detailed legal documentation. The applicant is typically granted a set period (often 14 days) to review the proposal, during which time there is no legal obligation to proceed..

Step 4: Due diligence and closing

Following the acceptance of the indicative terms, the financiers execute final deep-dive due diligence, verifying the legitimacy of the collateral or cash flow metrics. Upon successful verification, final credit committee sign-off is achieved, the binding collateral transfer agreements (CTAs) or loan contracts are executed, and coordination begins with the receiving bank to ensure the loan proceeds are safely drawn down. Where applicable, collateral transfer structures may be considered using bank guarantees or standby letters of credit.

Indicative timelines

Transactions involving high-tier institutional capital require thorough inter-bank verification and compliance tracking. Indicative timelines are:

• Standard timeline: 8–12 weeks is typical from the initial submission to final contract execution and capital draw-down.
• Accelerated cases: If full corporate co-operation is provided and the flow of financial auditing data is seamless, 30 days may be possible.
• Minimum window: Because time is legally required to safely execute necessary inter-bank SWIFT setups (such as MT760 protocols) and lodge physical security with an issuing bank, at least 21 days should be allowed for all structured transactions without exception.

Operational Risks and approval limits

Every structured corporate credit facility involves complex financial variables. Applicants should note that any initial acceptance, automated screening clearance, or indicative term sheet is strictly conditional. Final terms remain subject to underwriting and legal documentation, full credit committee approval, and absolute lender discretion.

Furthermore, all completion fees and arrangement expenses are detailed upfront within the Term Sheet to ensure complete visibility regarding fee structures. In structured loan formats, legitimate completion fees are typically deductible directly from the loan proceeds at closing, reducing out-of-pocket setup friction.

Navigating your corporate capitalisation

Moving away from standardised, restrictive bank products requires an experienced, agile approach to corporate capitalisation and asset management.

If your enterprise meets the typical minimum facility baseline and requires specialised financial engineering to achieve its long-term growth objectives, expert advisory can bridge the gap. Capital arrangement boutiques like IntaCapital Swiss operate within robust compliance frameworks to package, optimise, and introduce high-tier corporate applications to the institutional private credit markets.

Contact IntaCapital Swiss today to request an expert compliance callback or complete an online eligibility evaluation to begin your structured funding review.