From Multiple Short-Term Loans to One Long-Term Solution: A Construction Success Story

Company Sector: Construction

Loan Type: Consolidation
Loan Amount: £100,000
Loan Purpose: Consolidate all short-term borrowing into one long term facility to reduce monthly outgoings 

The Challenge

Irregular payment cycles are a familiar challenge for the construction sector, making cash-flow hard to manage. Our client had previously taken out short-term borrowing with other lenders and when they reached out to us they were trying to juggle multiple payment schedules and wanted to reduce their outgoings. 

Our Solution 

To relieve the burden and create stability, we secured a long-term funding facility over 72 months. This structure allowed the business to consolidate all existing short-term, high-cost lending into one single, affordable monthly repayment.

By spreading the finance over a longer term, we reduced immediate cash flow pressure and provided the business with the breathing room it needed to operate with confidence while continuing to grow.

The Results

The outcome was exceptionally positive. We successfully obtained an unsecured facility from the largest challenger bank in the UK, despite the client having previously been declined by this lender. Securing approval not only validated the strength of the business but also demonstrated the value of restructuring its financial position. 

The consolidation has improved monthly cash flow, strengthened lender perception, and positioned the business for long-term, sustainable success.



If your business is considering consolidation - get in touch to explore how we can help - 01832 770 273