A property business needed to refinance existing arrangements that had become restrictive. With monthly commitments constraining working capital, the founder approached Risecap to explore options that would reduce immediate outgoings whilst maintaining operational flexibility. We structured a solution combining selective invoice factoring and credit line facilities.

Client snapshot

• Industry: Property

• Description: An established property business sought to restructure existing funding arrangements that no longer matched their operational rhythm. The existing facilities created monthly pressure points that limited their ability to respond to opportunities in their pipeline.

• Geography: United Kingdom

The challenge

The business faced constraints from existing funding arrangements that weren't designed for their current needs. Monthly repayments were absorbing working capital needed elsewhere, and the terms lacked the flexibility required for a property business where income timing can be uneven. The founder needed to refinance without adding personal guarantee exposure, whilst accessing funds that could be drawn selectively rather than as a single lump sum.

Why they came to us

• Existing facilities had inflexible repayment schedules that didn't match cash flow patterns

• Monthly commitments were too high relative to the working capital actually needed day-to-day

• The business required selective access to funds rather than a fixed-term loan structure

• Traditional refinancing routes would have maintained or increased personal guarantee liability

• Banks were unable to offer terms that reduced immediate monthly outgoings

Our approach

We structured a dual-facility approach: selective invoice factoring for immediate liquidity against specific invoices, combined with a credit line for broader working capital needs. This gave the founder control over when and how much to draw.

• Targeted lenders offering 60–72 month terms on an unsecured or partially secured basis

• Prioritised facilities with early repayment and overpayment options to maintain future flexibility

• Presented options backed by the Growth Guarantee Scheme to substantially reduce personal guarantee exposure

• Negotiated for competitive rates to minimise monthly outgoings and preserve working capital headroom

We approached a panel of specialist lenders who understand property sector cash flow volatility. Rather than pushing the full £400k initially requested, we focused on facilities that gave the business £200k of immediately available capital with structures that could scale if needed. The combination of selective invoice factoring and credit line meant the founder only paid for capital when actually deployed, not sitting idle.

The impact

• £200k secured through flexible facilities that can be drawn selectively as needed

• Monthly repayments reduced significantly compared to previous arrangements

• Personal guarantee exposure substantially reduced through Growth Guarantee Scheme backing

• Operational headroom restored with early repayment options preserving future flexibility

The business now has funding that moves with their operational reality rather than against it. Capital is available when invoices need backing or opportunities require quick movement, without the monthly burden of a rigid term loan structure eating into margins.

Takeaway

Refinancing isn't about replacing like with like. It's about redesigning the funding structure to fit how the business actually works.

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