The business required a significant amount of capital, but the transaction didn’t need to live entirely with one funder. Instead of allowing one lender’s appetite to determine the amount available, we looked at the wider market. The business obtained materially more funding than relying on a single facility would necessarily have delivered. More importantly, the solution was built around the client’s overall requirement rather than around one lender’s maximum appetite. In total, we have arranged £444,000 for this business across four completed facilities.
Not every funding requirement should be forced into one lender’s credit box. For an established property consultancy, the better solution was to spread the requirement across three separate facilities.
01
The requirement
The business required a significant amount of capital, but the transaction didn’t need to live entirely with one funder. Instead of allowing one lender’s appetite to determine the amount available, we looked at the wider market.
02
The challenge
A single-lender approach can create an unnecessary bottleneck. One lender may like the business but only be comfortable with a certain exposure. Another may view the same borrower differently.
Stopping at the first approval can therefore leave perfectly viable funding capacity unused.
03
The structure
Rather than looking for one institution to provide the entire amount, we arranged three separate £78,000 facilities, creating total funding of £234,000 across three distinct funding lines.
Each transaction was progressed independently through documentation and completion.
04
The result
The business obtained materially more funding than relying on a single facility would necessarily have delivered.
More importantly, the solution was built around the client’s overall requirement rather than around one lender’s maximum appetite.
In total, we have arranged £444,000 for this business across four completed facilities.
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
Need funding for your business?
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It depends on what the money is for and what sits behind it: working capital, an investment, or a specific property. Each points to a different type of lender.
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.
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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.”
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