Background

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This international marketing agency had been serving blue-chip clients around the world for many years. Their fractional CFO, who had worked with us before, reached out again during a period of significant change at the company.

One of the founding shareholders had recently left the business. This led to a change in ownership and the appointment of new directors.

At the same time, the company was shifting from large, one-off client invoices to a more stable recurring income model.

While this new approach would provide greater predictability and long-term value, it meant a short-term drop in monthly revenue and added pressure on cash flow.

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Funding request

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The business was profitable and generating around £4 to £5 million in annual revenue.

However, it had previously taken out a £100,000 working capital loan on a 12-month term, with interest just under 6% per month. Although the loan helped with immediate cash needs, the high monthly repayments made it difficult to reinvest or respond to market changes.

With a new leadership team in place, the CFO and directors wanted to refinance the existing loan and improve their working capital position.

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How we helped them RISE

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From a lender’s perspective, there were a few concerns. A recent change in ownership and leadership can create uncertainty, and one of the new directors was based overseas, which often raises compliance and documentation issues.

To address these challenges, we worked closely with the underwriters. We provided full transparency by submitting additional documents, including proof of address, passport copies, and board meeting minutes. This helped demonstrate that the business was well-governed and had a clear direction.

We then arranged a tailored funding solution. The company secured a £150,000 loan over 24 months at a significantly reduced interest rate of 2.71% per month.

The terms also included flexible repayment, with interest only charged until the loan was fully repaid. Although a personal guarantee was required, this was standard for a loan of this size and was acceptable to the directors.

The business used the new facility to clear its previous high-cost debt and strengthen its working capital. This gave the team the breathing room they needed to complete the revenue model shift and put the new leadership’s plans into action.

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