We supported an established client operating within a niche area of the construction sector with a £500,000 revolving credit facility, tailored to provide flexible and immediate access to working capital.
The Challenge
As a growing business in a specialist construction niche, our client regularly manages multiple projects with varying timelines and cashflow demands.
They required a funding solution that would:
- Provide quick, repeat access to capital
- Support upfront costs such as contractor payments
- Enable bulk purchasing of stock and raw materials
- Help them take advantage of economies of scale
- Protect cashflow and maintain healthy profit margins
Traditional funding options presented limitations. A standard term loan lacked flexibility, while invoice finance didn’t align with the structure of their cashflow cycle or purchasing needs.
Our Approach
Having built a strong relationship with the client through multiple asset finance agreements, we had a deep understanding of their business model, operational pressures, and growth ambitions.
We worked closely with them to structure a £500,000 revolving credit facility that offered:
- On-demand access to funds as and when required
- The ability to draw down, repay, and reuse funds flexibly
- A solution aligned to their project-based cashflow cycle
- Greater control over working capital management
The Outcome
The facility has enabled the client to:
- Pay contractors promptly and maintain strong supplier relationships
- Purchase materials in larger quantities, securing better pricing
- Improve operational efficiency across multiple projects
- Strengthen cashflow resilience
- Protect and enhance overall profit margins
By implementing a revolving credit facility instead of more rigid funding options, the client now has a scalable financial solution that grows alongside their business.
Conclusion
This case highlights the importance of structuring funding around a client’s real-world requirements. By taking the time to understand the nuances of their business, we were able to deliver a flexible, cost-effective solution that supports both day-to-day operations and long-term growth.
