About Accretus
Accretus is a specialist commercial credit broker supporting UK SMEs with structured access to business finance.
Our approach is deliberately selective. Rather than submitting applications widely, we begin by reviewing the business’s circumstances, objectives, and funding requirements. This allows us to engage only with lenders whose stated criteria are aligned with the opportunity.
By focusing on targeted lender engagement, we help businesses present clear, well-structured funding requests and engage more effectively with the market. This approach is designed to reduce unnecessary applications, protect credit profiles, and improve the likelihood of positive lender responses.
We act as an intermediary throughout the process — facilitating introductions, supporting application preparation, and coordinating engagement between businesses and lenders — with an emphasis on clarity, proportionality, and responsible market participation.
Founder
Nilesh Desai
Nilesh is a credit specialist with over 25 years’ experience in assessing businesses, structuring transactions and delivering capital solutions. He built his expertise at Citigroup, The Carlyle Group and Ares Management, where he worked across complex credit situations, multi-jurisdictional structures and a broad range of lending products. More recently, Nilesh was the Group CEO and CIO at Aptimus Capital, where he managed an SME portfolio and guided the team through some of the most challenging credit cycles, including COVID.
He now brings this experience directly to business owners, providing clear guidance and access to capital.
Why businesses work with us
Clarity
We break down complex capital decisions into clear, simple options so business owners can act confidently.
Experience
Over 25 years in credit, structuring and SME lending.
Access
A strong network of lenders, investors and partners ensures businesses connect with the capital support that best fits their needs.