The company needed £60,000 of capital on a term long enough to fund what the money was for, rather than a facility that would need replacing again within months. The transaction completed after the personal-guarantee and documentation process had been worked through, giving the company the £60,000 it required.
An established communications business required capital but wanted something that could sit inside the business for longer than another short-term facility.
01
The requirement
The company needed £60,000 of capital on a term long enough to fund what the money was for, rather than a facility that would need replacing again within months.
02
The challenge
Short-term facilities are often the quickest to arrange, but they can leave a business refinancing repeatedly. The requirement here was capital that matched a longer horizon.
03
The structure
A business loan was arranged over 72 months. The borrower received £60,000, with a gross facility of £66,000 including the lender’s completion fee.
The longer repayment period meant the funding could be treated as genuine medium-to-long-term capital rather than another facility that had to be replaced again a few months later.
04
The result
The transaction completed after the personal-guarantee and documentation process had been worked through, giving the company the £60,000 it required.
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.
Simon has been fantastic in supporting my business to secure suitable funding across several deals. He is fair and always gives advice that is in the best interest of his clients. I would recommend them to anyone.
Quick enquiry
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Can a service-led creative or digital business borrow?
Yes. With few physical assets, lenders focus on trading performance, cash generation and recurring clients. Presenting those clearly is what matters.
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.
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.”
£20,840
£12,000
£50,000