Case Studies
When the standard route didn't fit.
Three business owners, three different problems: an old set of accounts, a tight deadline and a reluctance to borrow. This is how each one was solved.
£250k secured loan. Signed in 48 hours. Funds in 7 days.
Property owner, equity released from an existing property
The situation
A property completion was close and the client needed funds quickly. Equity in an existing property was the answer, but secured lending normally takes too long for a deadline like this.
What we did
We placed the case with a lender that could move at speed and kept it moving. The client signed within 48 hours of applying, and the only wait was the Land Registry update.
Amount
£250k
Term
5 years
Time to funds
7 days from first contact
£60k Growth Guarantee Scheme loan. Funds in 10 days.
Growing business
The situation
The last filed accounts showed trading of around £100k. Trading had since grown to around £1.2M annualised, but there were no accounts to show it, so most lenders declined.
What we did
We built the case around current trading and found a lender that fit the structure of the business, placing it on the Growth Guarantee Scheme. Speed wasn't the priority. The right fit was.
Amount
£60k
Term
60 months
Time to funds
10 days from application
£37.5k credit line. In place the same day.
Business owner, cash flow and VAT
The situation
The client was reluctant to borrow, but had a VAT bill due and gaps in cash flow.
What we did
We arranged a 3 month facility to cover the VAT, plus a flexible credit line to draw on, spread over up to 12 months, for later needs. They enquired in the morning, signed that afternoon and had funds available the same day.
Amount
£37.5k
Term
Flexible, up to 12 months
Time to funds
Same day
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