Business finance case studies

Recent funding problems we have solved for UK businesses, across invoice finance, asset refinance, supply chain finance and unsecured lending.

Confidential funding for facilities management contracts

Sector: Internal building works and maintenance
Turnover: £3.5m turnover
Facility: £300k invoice discounting limit and £210k loan

Invoice finance

The challenge

The client needed a confidential funding solution to support facilities management contracts. They required both Confidential Invoice Discounting and a business loan, while protecting client relationships where customers preferred not to work directly with an invoice finance company.

The solution

FundingLinks arranged a bespoke Confidential Invoice Discounting facility to support the growing workload, alongside an additional cash flow loan. The structure kept the funding discreet, so existing client relationships could continue without disruption.

The outcome

The client secured a £300k Confidential Invoice Discounting limit and an additional £210k loan, giving them the working capital to fulfil increased contract demand without losing operational momentum.

High-LTV asset refinance for an acquisition

Sector: Drainage contractor
Turnover: £4m turnover
Facility: £1.3m asset refinance at 103% LTV

Asset refinance

The challenge

The client had an opportunity to acquire another business, but did not have the free cash flow to fund the purchase. They owned a large fleet of unencumbered assets, but the required funding needed to exceed 100% LTV and the timeline was tight.

The solution

FundingLinks structured a £1.3m asset refinance deal at 103% LTV, using the client's unencumbered assets to release the acquisition cash required. The facility was secured without personal guarantees.

The outcome

The client completed the acquisition within the required timeframe, strengthened their market position and expanded their capabilities without compromising speed or control.

Supply chain finance for rapid expansion

Sector: Higher education provider
Turnover: £32m turnover
Facility: £3.5m supply chain finance facility

Supply chain finance

The challenge

The client was growing rapidly and targeting £250m turnover by 2028, but student fee payments arrived only three times a year. That created cash flow gaps while the business was expanding operations and acquiring new properties.

The solution

FundingLinks secured a £3.5m supply chain finance facility tailored to the client's growth plans, providing liquidity to manage expansion and continue purchasing properties without restricting investment.

The outcome

The client now has a stronger cash flow strategy, with the flexibility to manage seasonal revenue fluctuations while continuing to scale its education provision.

A larger unsecured loan on more flexible terms

Sector: Management consultancy
Turnover: £20m turnover
Facility: £500k unsecured business loan

Business loans

The challenge

The client needed to bridge a £500k cash flow gap over six months. They already had a £380k offer, but it carried a high interest rate, rigid repayments and did not provide enough funding.

The solution

FundingLinks secured a £500k unsecured business loan and negotiated with a lender that would not usually offer early repayment options. The facility allowed repayment from month six, avoiding early repayment penalties.

The outcome

The client gained an additional £120k in funding, halved the interest rate compared with the original offer and secured the breathing room needed to manage growth on better terms.

Selective invoice finance for UK and US growth

Sector: SaaS platform
Turnover: £4m turnover
Facility: £500k selective invoice finance facility

Invoice finance

The challenge

The client invoiced 12 months in advance for its software, which meant traditional invoice finance was not a viable fit. They needed flexible access to capital and a facility that could support both UK and US entities.

The solution

FundingLinks secured a £500k selective invoice finance facility, allowing the client to unlock capital against invoices from blue-chip customers as needed. The lender also approved the client's US entity.

The outcome

The client gained working capital to support expansion in both the UK and US, while maintaining the flexibility to draw funding selectively as growth opportunities arise.

These are individual cases. Available terms depend on the business, the assets or invoices involved, and the lender’s assessment.

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