Background

This was a construction company that worked across commercial and residential projects.

The previous year had been difficult. Despite taking £4 million in revenues they hadn’t been profitable.

In the current year, they were forecasting revenues of £5.5 million and an EBITDA of £700k.

Funding request

This company had a series of outgoing supplier payments scheduled for Monday. They had been expecting incoming payments from their own clients to maintain cash flow, but those funds hadn’t yet arrived. It became clear they wouldn’t have enough cash in the bank to meet their supplier obligations.

The owner needed a fast solution to avoid cash flow disruption and maintain strong supplier relationships. While they already had a £50k loan offer on the table, it came with a significant drawback: If repaid early, the full amount of interest would still be charged.

Having previously had a positive experience securing funding through Risecap, they reached out to our MD, Tony, over the weekend to explore better alternatives.

How we helped them RISE

Recognising the urgency, Tony immediately contacted trusted lenders within our network.

By Monday at 10AM, we had submitted a complete application to a preferred lender and were in direct communication with their Head of Partnerships via WhatsApp to fast-track approval.

Within two hours, we secured a formal offer. Contracts were received and signed within the hour, and funds landed in the client’s bank account the same day.

The final £30K loan was structured over 12 months with an interest rate of 2.8% per month.

While the interest rate was high, we built in flexibility for early repayment with no penalties or extra fees, allowing the client to clear the loan as soon as their expected payments arrived.

Both the client and lender were delighted with the outcome, a testament to how we work quickly and efficiently to support businesses, no matter the loan size.

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