Tax Arrears, Cashflow Pressure and a Seasonal Business - Securing £100,000 for a Superyacht Broker

Company Sector: Travel & Leisure
Loan Amount: £100,000

Loan Term: 72 Months

Loan Type: Term Loan

Providing luxury superyacht experiences for clients attending some of the world’s most prestigious motorsport events, our client runs a niche, high-end business. Like many event-driven businesses, the work is seasonal and income is concentrated around specific dates in the calendar.

Committing to yachts, hotels and excursions requires significant outlay well in advance of revenue coming in, and during quieter periods the business still has obligations to meet. By the time they came to us, pressure had built up in two ways: outstanding tax arrears that needed clearing, and a cashflow position that was making it difficult to plan and commit ahead of the next season.

The additional challenge was timing, they needed a funding solution in place quickly, and the seasonal nature of the business meant that not all lenders would be supportive. Understanding the business and presenting it in the right way to the right lenders was key.



We put together a clear picture of how the business actually worked (the event calendar, the forward booking model, the revenue profile) and matched it with lenders who would be comfortable with a seasonal business when the full context was laid out properly.

A term loan of £100,000 over 72 months was arranged, structured to:

• Clear the outstanding tax arrears and remove that liability from the business

• Restore cashflow stability and give the directors visibility over their financial position

• Keep monthly repayments low enough to sit comfortably within the business’s seasonal income pattern

• Free up working capital to commit to upcoming events with confidence

The longer term was a deliberate choice, stretching the repayments over 72 months meant the monthly commitment was manageable year-round, not just during peak trading periods.

With the tax arrears cleared and cashflow back under control, the business was able to operate properly again. The directors could plan ahead, commit to the pre-bookings the business depends on (yachts, hotels, excursions) and deliver the quality of experience their clients expect.

What worked for this client:

· £100,000 secured despite tax arrears and a seasonal cashflow profile

· Tax liability cleared, removing significant pressure

· 72-month term kept repayments manageable across quieter trading periods

· Cashflow stability restored, allowing forward planning and pre-booking with confidence

· Business now better positioned to grow and take on larger contracts

If your business is facing similar challenges - get in touch to explore how we can help - 01832 770 273