£600,000
Completed transaction · Dairy business
£91,455 across two facilities. A dairy business that keeps coming back.
A client that came back each time it needed funding.
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- Amount
- £91,455
- Sector
- Dairy business
- Structure
- Two facilities
- Outcome
- Repeat funding relationship
In short
The business needed funding for stock, fleet and working capital for dairy distribution. Across two facilities, we arranged £91,455 in total. Two facilities completed, totalling £91,455. The business returned to us each time it needed further funding.
Rural and farming businesses run on seasons and cycles that don't always line up with a lender's standard view of cash flow.
This dairy business wanted funding from a lender that understood the individual business.
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The requirement
The business needed funding for stock, fleet and working capital for dairy distribution.
Across two facilities, we arranged £91,455 in total.
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The challenge
Cash had to be committed before the stock could generate sales, so the business needed additional purchasing power without using up the liquidity required for normal operations.
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The structure
We treated the relationship as an evolving funding requirement, reviewing current trading and matching each follow-on facility to the business's position at that point.
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The result
Two facilities completed, totalling £91,455.
The business returned to us each time it needed further funding.
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FAQs
Questions about this case
Do lenders understand seasonal farming income?
Specialist rural lenders do. They look at the whole year and the cycle of the business rather than a single quiet month. See agricultural finance.
Can I come back for more funding later?
Yes. Many of our clients return as their business changes, for a top-up, a renewal or a different kind of facility. Each new request is assessed on its own merits and is subject to status.
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.
What does it cost to talk to you?
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.
Funding options
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.
Deal room
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Every case is different, but the approach is the same: understand the business, structure the requirement, and take it to the lenders suited to it.