Case Studies

Bio Mass Energy.

Bank unable to support this poultry business. Went to another bank who outsourced to their specialist asset finance division which not come back with positive progress when we were engaged. Investment in £2m of Bio Mass boilers at 20 x £100k...

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Anaerobic Digestion Plant.

Jointly banked by RBS and Lloyds. Introduced by RBS Invoice Finance, ABL Unit (London, City Office), to find £2.6m of funding for an Anaerobic Digestion (AD) Plant that was planned for the client’s Stowmarket Maltings facility. The deal had been...

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Specialised Asset.

£208,000 on a tractor Unit and highly specialised car transporter Bank referred as they could not accommodate the trailer because it was too specialised and the net worth of the business was a modest £75,000 Funding agreed with a 5%...

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Plant Hire Business - change of legal entity / negative equity in assets.

A well established small business that had recently changed from a Partnership into a Limited Company, looking for a new ‘yellow plant’ asset and wishing to part-exchange two smaller assets. The problems faced by the business were their recent change in...

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Liquid Digestate - new-start business.

New-start up business introduced by another consultant who could not find a solution All commercial banks had declined to support Key Director had only nominal cash to invest and wasn’t a home owner Seeking £657,000 of plant and equipment much...

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Coach Operator – multi layered finance.

Traditionally this client had not found difficulty in obtaining funding because they were buying new or nearly new coaches which are considered good security by asset lenders. When they wanted to buy older vehicles for local council school contracts, and install...

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TV studio acquisition.

Acquisition of equipment and freehold property from a Local Council with cash Needed to raise funds to re-invest in growth but the commercial property was acquired in Director's name so re-finance of the equipment was the only option Customer's bank...

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Groundworks Contractor – fundraising against existing assets.

A medium sized, well established business needed to raise working capital to be able to fund two large recently-won contracts. Their incumbent Bankers were at the top of their comfort levels on ‘bricks & mortar’ and debenture security, and were not...

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UK Nationwide Furniture Retailer – vulnerable sector.

Our client’s incumbent bank had previously supported in all aspects of the business, including merchant services and asset finance for new store refits. Bank announces it is “uncomfortable” with this retail sector at present and declines to fund the new Bristol...

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Manufacturer – historic performance issues and adverse search information.

This client was introduced to us by one of our commercial vehicle dealer partners after their proposals failed to secure funding support from Mercedes-Benz Finance and others. We visited the client to fully understand the issues which were preventing ‘credit-score’ lenders...

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Additional funding to complement bank's credit limit.

Construction business. £500,000 credit limit set up by Lloyds Asset Finance for vehicle fleet funding We complemented that facility with an independent limit which while slightly more expensive was designed to offer backup for any vehicles which Lloyds did not have...

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Equestrian - Asset Finance / Asset Re-finance combination.

Lloyds Bank customer. Lloyds could not accommodate complex asset finance/refinance scenario New horsebox being built on an existing used chassis already owned by the company. Because of the age of the chassis and the combination of new finance for a...

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Competitor business acquisition.

Referred by Barclays Bank for funding of computers and equipment within an acquisition project to buy another business. Funding for vehicles also required on stage payments as chassis supplier needed funding weeks before payment of the completed fit-out. Re-finance of...

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Asset Re-finance to unlock bank funding – packaged deal.

Lloyds Bank trying to secure a manufacturing company from existing bank. Lloyds Invoice Finance helping core bank to secure invoice finance and lead core relationship Bank trying to take daily banking with O/D but commercial mortgage was with existing bank...

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Breach of overdraft limited.

Well established printer invested heavily in digital printing equipment with HSBC AF. Performance downturn but additional funding not available as digital equipment was in ‘negative equity’. Customer breached O/D and was supported by HSBC with increased facility. Continued to stretch...

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Multinational food processing company requiring 'off balance-sheet' funding.

Introduced by Barclays. Belgian parent required that UK subsidiary transacted any asset finance off balance sheet. New company set up by the directors of the food processing company to acquire many thousands of vegetable crates and rent these (off balance...

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Commercial 'Offset' Mortgage - no covenants.

Commercial Mortgages / Real Estate: Engineering: Engineering company - HSBC Banked for 33 years Property owned by Director in his own name 3 x trading businesses but no commercial leases in place. HSBC had £175,000 outstanding on existing mortgage but customer wanted...

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Funding for livestock - unsecured loan.

Referred by Foundation East. £50,000 required for working capital after cash-funding of ducklings for a new supermarket contract Traditional live-stock funding not available on ducks (due to disease risks). Owners invested their own cash in the livestock but became stretched...

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Acquisition Finance - banks unsupportive.

Crane hire company referred by another consultancy which could not find a solution Banked by HSBC for over 30 years Business in decline and loss-making with ownership and management of ageing family. Husband and wife purchasers running two successful businesses,...

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Property portfolio loan in breach of covenants?

Referred by Smith & Pinching, IFAs) Individual owning a group of 6 companies in various sectors - In dispute for 4 years on partial outstandings within a multi-million pound portfolio Deadline set by Lloyds Corporate Business Support Unit in London...

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Invoice Finance - offshore survey company.

£25 million T/O operation fully supported by Barclays Experienced a cash-flow deficit due to misguided strategy. Barclays progressed Invoice Finance and completed full audit report. While Barclays remained fully supportive the bank could not overcome the ‘milestone’ issues within the...

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Single Invoice Factoring - short term cash.

Banked with Barclays Trading 3 years and growing rapidly Short term cash shortfall caused by new contracts meant cash-flow stretched and a need additional supply vehicles. Largest customers taking 90 days credit. Seeking funds to raise a deposit for an...

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