Not every funding need fits inside a single product. When a growing consultancy came to us with international clients, existing debt, and a need for both immediate cash flow and longer-term working capital, we knew a one-size approach would fall short. The answer was two products working together - and the right lenders for each.

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Client snapshot

Industry: Business support and consultancy services

Size: Turning over close to £2m per year

Years operating: 17 years

Geography: England, serving clients in the UK, US, and Europe

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The challenge

The business had a good problem - strong international demand. But that created a specific headache. Nearly half their outstanding invoices were in US dollars, a third in euros, and only a quarter in sterling. Most UK invoice finance lenders either won't touch foreign currency receivables or price them out of reach.

On top of that, the business was carrying around £350k in existing debt from two lenders. They needed fresh working capital to keep growing, but also wanted to manage what they already owed. A simple loan wasn't going to cut it.

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Why they came to us

- They'd been referred by their fractional CFO, who knew single-lender solutions wouldn't work here

- Previous lenders hadn't been able to offer invoice finance against non-sterling receivables

- The business needed someone who understood multi-currency, multi-product structures

- They wanted a funding partner who could map out the full picture, not just fill one gap

- Speed mattered - the business had live contracts to service and couldn't wait months for a decision

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Our approach

We looked at the full funding picture rather than treating this as one ask. Two clear needs emerged: unlocking the value of outstanding invoices (especially the US and European ones), and topping up working capital for day-to-day operations.

- Identified selective invoice finance lenders comfortable with USD and EUR receivables

- Ran a separate search for unsecured term loan providers offering competitive rates

- Matched eight lenders for invoice finance and seven for the term loan - fifteen in total

- Structured the recommendation so both products worked alongside the existing debt without overloading repayments

We ended up placing both facilities within weeks of each other. The invoice finance piece went with a specialist who could handle the multi-currency book. The unsecured term loan came from an alternative lender offering a clean structure with no early repayment charges - important given the existing commitments.

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The impact

- £350k total funding secured across two complementary products

- £100k invoice finance facility against international receivables - unlocking cash from US and European clients

- £250k unsecured term loan for working capital, structured to sit comfortably alongside existing commitments

- 15 lenders approached across both products, giving the business genuine choice rather than a single option

The two facilities working together gave the business room to service live contracts, manage existing debt, and keep growing internationally - without putting everything through one product that would have been a poor fit.

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Takeaway

When the funding need is bigger than one product, the right approach is a partner who can see the whole picture and match each piece to the right lender.