The business needed to refinance HMRC liabilities and other short-term debts while new project income was due to land later. The £70,000 facility completed, clearing the pressure of the HMRC and short-term debts while the business waited for its project income.
01
The requirement
The business needed to refinance HMRC liabilities and other short-term debts while new project income was due to land later.
02
The challenge
Unsecured routes had not worked. The business needed a solution that improved its cash flow rather than adding another short-term repayment on top.
03
The structure
We looked at the existing liabilities as a whole and structured new finance around improving the cash-flow position, consolidating HMRC and short-term debts into one facility.
04
The result
The £70,000 facility completed, clearing the pressure of the HMRC and short-term debts while the business waited for its project income.
What our clients say
We had already approached other finance companies who weren’t able to help. From our first conversation to everything being completed took around 7 days, and they kept us informed throughout. If you’ve struggled to get help elsewhere, I would absolutely recommend giving them a call.
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They look at the order book, how projects are paid and the cash committed to labour and materials before payment arrives. Options include working capital, invoice finance and tax funding. See construction finance.
Can a business borrow to pay a VAT or tax bill?
Often, yes. VAT, corporation tax and other HMRC liabilities can be spread with a dedicated tax funding facility, so the bill is paid on time without draining working capital. Subject to status. See HMRC and tax funding.
Is this a real transaction?
Yes. Every case study on this site is a transaction we arranged and saw through to completion. Client details are anonymised, and we only publish what we can verify: we never invent figures, rates or outcomes.
Do you lend the money yourselves?
No. Smart Funding Solutions is a credit broker, not a lender. We search a panel of 300+ lenders, present your case to the ones whose criteria fit, and manage the application through to completion. The lender makes the final decision and all finance is subject to status.
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It is free to enquire and there is no obligation. Any broker fee is disclosed separately before you proceed, and there is no obligation to accept an offer.
Your business
Could this structure work for your business?
Every case is assessed on its own merits. These pages explain the finance used here and what lenders look at.
Client details are anonymised. Every case is different and past results don't guarantee future outcomes: lenders set their own criteria and all finance is subject to status.
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
£16,457