The Challenge

A UK-based professional services firm experienced rapid growth following the acquisition of several large corporate contracts. While revenue increased significantly, cash flow came under pressure due to long billing cycles and delayed client payments.

The business relied heavily on secured overdraft facilities, which became increasingly restrictive as sales increased. The directors needed immediate working capital support to stabilize cash flow, refinance short-term liabilities, and continue servicing new client without disruption.

Barclays were unwilling to increase exposure due to the firm’s limited tangible asset base.

Our Approach

After conducting a confidential review of the firm’s financial performance, contract structure, and debtor profile. Our credit team focused on the quality and predictability of receivables rather than asset-heavy security.

We structured a tailored funding solution comprising:

• Debtor book funding to release cash tied up in unpaid invoices

• Partial refinancing of existing short-term liabilities

Funds were deployed quickly, providing immediate liquidity and restoring financial flexibility.

The Outcome

• £1.8m funding facility completed

• Improved cash flow visibility and predictability

• Reduced reliance on borrowing

• Ability to service new contracts without operational strain

The business regained stability and continued scaling with confidence, supported by ongoing commercial guidance.