£25,000
Completed transaction · Fashion retailer
£175,000 to buy Christmas stock before the Christmas sales.
Retail stock has to be bought months before peak trading pays for it. We funded the gap.
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- Amount
- £175,000
- Sector
- Fashion retailer
- Structure
- Revenue-based finance
- Outcome
- Completed
In short
The retailer needed funding for seasonal stock, especially ahead of Christmas, so it could build inventory before peak trading. We arranged £175,000. The £175,000 facility completed and the retailer could stock up ahead of its busiest season.
Retail cash flow is a balance between stock, suppliers and the takings that pay for them, and it moves with the seasons.
This fashion retailer wanted funding that would sit comfortably alongside that cycle.
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The requirement
The retailer needed funding for seasonal stock, especially ahead of Christmas, so it could build inventory before peak trading.
We arranged £175,000.
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The challenge
Stock has to be paid for long before the Christmas takings arrive. Funding it from cash would have left the business short through the build-up.
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The structure
We arranged revenue-based finance matched to the retailer's trading cycle, so repayments followed sales rather than landing as fixed payments before the peak.
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The result
The £175,000 facility completed and the retailer could stock up ahead of its busiest season.
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FAQs
Questions about this case
How do lenders look at a retail business?
They look at trading history, how stock is bought and sold, and how cash moves through the year. Funding that fits the stock cycle usually works better than a facility that fights it. See retail business loans.
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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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.
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