Case Studies - Raising Finance

The following brief case studies illustrate the benefits and flexibility of the Raising Finance service. They are in ascending order according to the size of the borrowing - from £75,000 to £5,000,000.

Specialist Recruitment - £75,000 overdraft to avoid need for factoring
Referred by a Business Contact
A small business with annual sales of £300,000 needed more working capital. Their bank would only assist via factoring, despite holding a charge on the director’s home, which comfortably exceeded their facility. We secured an increased overdraft from a new bank, without any need for factoring or a charge on the home, saving the client £11,000 per annum in unnecessary costs.

Mail Order Company - £100,000 facilities arranged through more senior manager in client’s bank
Referred by client’s Accountant
This £1million turnover company were having relationship problems with their bank manager. We used our contacts to facilitate a change to more supportive relationship manager within the same bank. Additional funds were also arranged to support the growing order book. The client received an all round better deal, without having to change banks and without any embarrassing meetings.

Business Service Provider - £200,000 refinance package with a new lender to support growth
Referred by client’s Accountant
Business growth was hampered by historic trading problems and their current bank was unwilling to lend more. We suggested a different approach and funding structure, and then used another bank contact to provide increased funding. The client literally couldn’t believe what we had done: larger facilities, cheaper, less security, fewer strings attached.

Import/export business - £325,000 restructure for import/export business struggling to balance cash flow
Referred by a Business Consultant
This £1.5million turnover business, involved in import/export, was struggling to balance cash flow due to the timings of imports and sales. We solved the problem by restructuring bank facilities to give much more flexibility, together with a competitive tender which resulted in significant cost savings for the client, with less security.

Property Development - £500,000 loan with minimal cash stake
Referred by client’s Independent Financial Advisor
This client, a partnership, was struggling to find finance to buy two properties with access to a building plot at the rear. We devised a workable structure on very competitive terms, through a High Street lender, requiring only a minimal cash stake.

Supermarket Business - £700,000 property investment loan for a client unable to meet own bank’s lending criteria
Referred by client’s Independent Financial Advisor
This established business was looking to purchase a commercial investment property. Their own bank declined as rental income was insufficient to give the required cover against loan repayments. We solved this problem with a choice of three new lenders - all happy to lend and at very low rates and fees.

Directors Pension Fund - £800,000 property investment loan with minimum of effort
Referred by client’s Lawyer
This client was buying a freehold property through a Directors Pension Fund and was looking to secure the best terms possible with the minimum of effort on his part, which was ideally suited to competitive tendering with our banking contacts.

Property Investment Company - £1,250,000 loan despite planning issues
Referred by client’s Accountant
This established business had facilities declined by their own Bank due to perceived planning risks. We used our lending ‘know how’ to solve the problem and secured the required finance through our panel of experienced lending contacts, yet still on attractive lending terms.

Specialist Recruitment Company - £1,600,000 package for business acquisition
Referred by client’s Accountant
This client was making an acquisition to grow his business and needed unsecured cash flow finance plus invoice discounting. Despite his exemplary track record, he risked losing the deal because his own bank was prevaricating, with the decision to lend taking far too long. We solved problem with new bank from our panel in a very short period, with no additional cost.

Leisure Business - £1,770,000 term loan to replace expensive commercial bridging facility
Referred by a Business Contact
The client had bought a country club using short-term bridging finance and needed to remortgage quickly to secure his investment. We quickly organised a competitive tender with mainstream lenders AND secured increased funding of £640,000 for further development of the site.

Commercial Property Owner - £2,400,000 refinance package to avoid excessive bank fees
Referred by client’s Accountant
A client with a good track record needed flexibility from his bank pending re-letting two properties that had become vacant. Despite a strong valuation, the bank was only prepared to assist with substantial fee increases to compensate for the ‘increased risk’. We solved this through our banking contacts, and the client made massive savings on both fees and interest rate margins.

Residential Development Company - £5,000,000 loan for client seeking best terms and pricing
Referred by another Client
An experienced regional developer wanted to explore the lending market for the best price and lending terms for a new development site. We organised a competitive tender using top quality lenders to secure an extremely competitive package, whilst saving the client significant time and cost.

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