How We Structure Deals
Below are a few examples of how we have helped customers achieve their goals:
Transport Company
Client’s Objective - To raise working capital of £60,000
Problems to overcome - Some of the lorries were too old
Several CCJ’s against the company
Deal structure - The Funder had to take on more unencumbered assets in order to look at lending the £60,000 required. The guarantee was strong due to personal worth
Conclusion - The money was paid into the Client’s cash flow as the lender was covered on asset cover, and a strong personal guarantee
Engineering Company
Client’s Objective - To purchase computer equipment costing £110,000
Problems to overcome - Funder was unable to finance computer equipment. Funder perceived there to be a limited resale value on the type of kit
Deal structure - The Funder took a second charge over the Client’s business and personal premises, both of which had suitable equity
Conclusion - The Client was able to purchase the equipment while the lender was secure over two properties
Chauffeur Hire Company
Client’s Objective - Looking to purchase 2-year old limousine from America for £55,000
Problems to overcome - The Client needed to pay cash for the vehicle
Deal structure - The Client had other unencumbered vehicles in the fleet that the Funder took a charge over to provide security
Conclusion - The owner was of some personal worth, so with the asset cover and a strong guarantee the deal was concluded
Plant Company
Client’s Objective - Wishing to purchase another company for £750,000
Problems to overcome - Deal had to be completed within 7 days
Deal structure - The Funder financed the assets of the Vendor, clearing the outstanding finance and paying equity to secure the purchase
Conclusion - The deal was concluded without a cash deposit being paid by the Client. The Funder was happy to pay out with the security within the assets
Plastics Manufacturing Company
Client’s Objective - Client wishing to purchase machinery and develop their property to enable expansion
Problems to overcome - Client had minimal deposit and poor trading accounts. Also a low perceived value of specialist asset to be purchased
Deal structure - We replaced existing mortgage and obtained additional funds on equity Asset finance supported by equity in property and unencumbered equipment
Conclusion - Combining a commercial mortgage and asset finance meant the Client was able to purchase the machinery and fund expansion, whilst the Funder was totally secure
Printing Company
Client’s Objective - Client needed to purchase 8-colour press for £540,000 to improve productivity
Problems to overcome - Client had only £10,000 deposit plus total VAT, and needed to refinance existing 6-colour press over longer period to reduce outgoings but outstanding balance was more than our perceived security
Deal structure - The Funder took a second charge over both directors’ properties; Small Firms Loan Guarantee Scheme support for £130,000
Conclusion - Due to the second charge being available to the Funder, the deal was concluded with a very small deposit paid by the Client.
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