£600K arranged, then another £400K as the business grew.

The company required a significant injection of capital to support its continued development. This was no longer a small-business funding requirement. A facility of £600,000 was ultimately completed.

Fast-growing businesses can be unusual credit cases. The numbers can be strong, while the rate of expansion, existing facilities and changing working-capital requirement make the overall picture considerably more complicated than an established company growing at 5% a year.

This particular business subsequently grew to turnover in excess of £13m and later required a much more sophisticated refinancing exercise around a substantial existing debt stack. That later requirement illustrates exactly why funding strategy matters during rapid expansion.

We worked across the alternative lending market and secured a £600,000 facility for the business.

It wasn’t the end of the relationship. As the company continued scaling, further substantial transactions followed, including another £400,000 facility.

Rather than growth being constrained by the amount of cash already sitting in the company, external funding helped provide the capital capacity to continue expanding.