‍CLIENT SNAPSHOT

Creative consultancy | £4.7m annual revenue | 10 years in operation
A strategic and creative agency delivering full-service solutions across advertising, branding, and content strategy. Predominantly serving international clients, with revenue jumping from £3.9m to £4.7m in a year. Team of 21-50 creative and strategic professionals.

THE CHALLENGE

The agency had an existing £140k facility with monthly repayments just over £9,000. While manageable, these payments were strangling working capital. They'd won new client campaigns but couldn't commit resources without breathing room. Revenue was growing, but cash flow timing meant they needed flexibility - not rigid, expensive debt.

WHY THEY CAME TO RISECAP

• Director came through Risecap's professional introducer network
• Commercially astute and forward-thinking about financial strategy
• Needed to refinance to reduce monthly commitments and create cash flow space
• Wanted flexibility for early repayment when client payments accelerated

The director understood the problem clearly: the debt wasn't unsustainable, it was just inefficient for a growing business.

OUR APPROACH

The challenge was lender hesitancy - existing debt exposure and a modest credit score made some lenders cautious. We didn't argue with the numbers. Instead, we focused on the trajectory:

• Revenue growth: £3.9m to £4.7m in 12 months
• Strong profit margins maintained during expansion
• International client base with recurring work
• Forward-looking profitability, not just balance sheet data

We positioned this as smart capital restructuring for a high-performing business, not distressed refinancing. We matched them with lenders who value real-world performance over credit scores.

THE IMPACT

• £140,000 working capital refinance
• Extended repayment terms with lower monthly commitments down to £3,933.67
• Flexibility for early repayment built in
• Immediate improvement to monthly cash flow
• Freed up capacity to commit to new client campaigns

The refinancing hit immediately. Lower monthly outgoings meant the agency could invest in the campaigns they'd already secured, strengthening both operational capacity and profitability.

"Risecap provided the clarity and expertise we needed. They understood our goals, managed the process seamlessly, and helped us secure a facility that genuinely supports our growth ambitions."

• Director

TAKEAWAY

Growing businesses often outgrow their first funding arrangement. Smart refinancing isn't about desperation - it's about efficiency. Lower monthly commitments = more capital for the work you've already won.

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