£40,000 Term Loan Secured for an Established Business to Support Working Capital

Read how Funding Agent secured a £40,000 working capital term loan for a 9-year marketing agency despite existing leverage and affordability challenges.

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Business Profile

Sector: Marketing Agency
Time Trading: 9 years
Funding Requirement: £40,000
Purpose of Funding: Working capital

The Situation

An established business with nine years of trading history was seeking additional working capital to manage cash flow. Although the business maintained consistent turnover, it was already operating with significant leverage from existing facilities, making it difficult to source further funding through traditional channels.

The Challenge

Navigating high levels of existing leverage with multiple active facilities in place.
Reconciling a recent downward trend in month-end bank balances.
Addressing historical instances where the account dipped into an unarranged overdraft.
Securing approval despite falling below the minimum revenue thresholds of some traditional lenders.

The Solution We Arranged

Funding Agent secured a £40,000 Term Loan through Funding Circle to provide the necessary liquidity.

The Outcome

Successfully secured a £40,000 Term Loan.
Overcame affordability concerns raised by previous lender reviews.
Maintained business liquidity despite significant existing debt obligations.
Leveraged nine years of trading history to provide confidence to the successful lender.

Need funding for something similar?

Whether you need working capital, VAT funding, stock finance, asset finance or want to refinance an existing facility, Funding Agent can help you compare options across our lender panel.

We work with lenders including Funding Circle, Fleximize, YouLend, Time Finance and more.

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