A worked thesis. Before the crowd.

Find companies likely to need finance before they start shopping the deal around. Lotus reads the weak signals a company leaves in the public record and works them into a specific financing thesis — with the evidence and the play.

Founding offer → Sample in my lane

£300/mo · first 30 days free · 30 founding seats

[ synthesis ]

sample · redacted

Working capital — public-contract delivery what Lotus does, in one motion

01The model

One thesis. Allocated to one broker.

Every thesis we work is allocated to a single broker — not three, not ten. If it fits your desk, it is yours to work. If it doesn’t, reply N and it routes to the next-best broker in the lane.

That is the difference between a private worked thesis and a list everyone already has.

02The proof

Two real broker-specific briefings, generated from public evidence. Every identifying name is redacted; the source tags show where each fact came from.

Briefing

CRN Companies House ↗

Why this is on your desk

Your vehicle-finance deal for a transport company shares the asset-backed shape of funding a fleet operator. The refinancing here opens the door to restructure several existing lenders into a consolidated facility your asset and business-loan work can place.

The read

A transition from a satisfied Close Brothers charge to outstanding facilities with Lloyds, Lombard and Barclays-linked entities indicates an active refinancing of ’s asset-backed debt. A recent £2.43m public-sector tender notice for highway-maintenance vehicles, if awarded, points to further working-capital or invoice-finance demand for a proven manufacturer and hire-fleet operator.

Who to call

Director

The play A consolidated business loan or hire-purchase restructuring to replace the fragmented Lloyds, Lombard and Barclays-linked facilities, plus a possible invoice-finance line if the £2.43m tender converts to a contract. Scaled to their reported 800+ units of annual production and ~1,000-strong hire fleet, this simplifies their capital structure and prepares for contract delivery.

Evidence trail — check our working

· £2.43m public-sector tender notice for highway-maintenance vehicles Find a Tender
· Satisfied Close Brothers charge, then outstanding charges to Lloyds, Lombard and Barclays-linked entities — a refinance signal Companies House
· Manufacturer producing 800+ units/year with a ~1,000-strong hire fleet across 5 UK sites Company websiteCompanies House

Briefing

CRN Companies House ↗

Why this is on your desk

This has the same shape as the £300,000 construction-finance facility you arranged for a residential solar installer moving into bigger projects: a confirmed contract creating a need for a mobilisation instrument. Your invoice-finance and ABL capability, across lenders including ABN AMRO and Lloyds, is what a release facility for a £1.3m tender would need.

The read

A recent lender transition from White Clarke Group to Bank of Scotland suggests may be actively restructuring its secured debt. Separately, a £1.3m public-sector tender notice indicates a potential mobilisation gap that could be funded through contract-backed working capital.

Who to call

Director

The play A contract-backed invoice-finance or revolving working-capital facility. The ~£1.3m public-sector tender, if awarded, would create a predictable receivable stream; a factoring or invoice-discounting line sized against that contract could fund mobilisation and service delivery — structured to smooth cashflow without disturbing the emerging Bank of Scotland relationship.

Evidence trail — check our working

· £1.3m public-sector tender notice Find a Tender
· Charge transition from White Clarke Group to Bank of Scotland — a refinance signal Companies House
· Cyber-security, networking & WiFi provider; certified MSSP for Palo Alto and HPE Aruba Company websiteCompanies House

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03How to read
a thesis

Early over certain — and honest about it.

We surface these before a company is shopping. That means some won’t pan out — and that is the point of being first, not a defect to hide. Wait for certainty and you’re already late: the company’s shopping, and so is everyone else.

So every thesis is hedged and comes with its evidence. “Looks to be,” not “is.” A tender notice is a notice, not a confirmed award. You apply your own judgement, on your own desk, with the sources in front of you. The hedge isn’t weakness — it’s what early intelligence looks like, told straight.

04The offer

Allocated theses — founding cohort, 30 seats.

£300 a month, locked for 12 months. Your first 30 days are free — your first charge falls 30 days after you start, and you can cancel any time before then.

Each thesis is allocated to one broker and is not sent elsewhere unless they pass. Subscribe and the fitting theses we surface in your lane are allocated to you; if one does not fit, reply N and we send it elsewhere — that pass is how the system learns your desk.

Price£300/month, locked 12 months
First 30 daysFree — first invoice 30 days after you start
CadenceAt least 4 worked theses a month, or the next month is free
Money-backFull refund in your first paid month — no form, no friction

Take a founding seat — first 30 days free → Not ready to subscribe? Ask for a sample thesis in your lane.

Founding cohort · 30 seats only

05Operator

Lotus Intelligence is operated by Lotus Protocol Labs Limited (company no. 16620212), registered at Union House, 111 New Union Street, Coventry CV1 2NT. Built and written by Guy Phipps, Founder & Lead Analyst.

Sources — Companies House · Find a Tender · Contracts Finder · planning portals · public job ads.

We provide research, not lending, brokerage or financial advice, and we don’t guarantee that any company is seeking finance. We read public records and synthesise across them. We don’t buy lists — your firm appears because it’s listed in the public NACFB / FIBA member directories. We keep what we need to run the service and no more; full detail in the terms.