£100,000 Unsecured Term Loan Secured to Consolidate Debt and Support Cash Flow

See how Funding Agent secured a £100,000 term loan for a six-year business to consolidate stacked debt, stabilise cash flow, and support working capital needs.

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Business Profile

Sector: business

Time Trading: 6 years

Funding Requirement: £100,000

Purpose of Funding: Working capital

The Situation

A well-established business with six years of trading history was struggling to manage its daily operations due to severe cash flow volatility. Despite generating a strong monthly turnover of approximately £56,000, the business was caught in a cycle of debt stacking with multiple active facilities and frequent reliance on an unarranged overdraft. Recent missed loan repayments had further complicated their ability to secure traditional financing.

The Challenge

• The business was suffering from severe cash flow volatility despite consistent turnover.
• Debt stacking was an issue with multiple active facilities from different lenders.
• Evidence of recent bounced loan repayments caused concern for traditional lenders.
• Frequent reliance on a deep unarranged overdraft to manage daily operational costs.

The Solution We Arranged

Funding Agent successfully secured a £100,000 Term Loan through Nucleus Commercial Finance to restructure the debt and provide essential working capital.

The Outcome

£100,000 in working capital injected into the business.
Consolidation of multiple high-interest facilities into a single loan.
Regained control over cash flow by exiting an unarranged overdraft.
Application approved and funded through Nucleus Commercial Finance.

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.

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