£4.5m Invoice Discounting Facility for a Leading UK Importer

Enness was approached by a UK-based importer and distributor supplying high-quality products to some of the UK’s supermarkets and wholesalers. The business has built its reputation on sourcing premium products via a trusted supplier, importing directly from manufacturers.

Crucially, the company was an early adopter of reusable solutions. As competitors scrambled to adjust, our client was ready, and demand for their products surged.

The client’s business had experienced exceptional growth, with revenues increasing significantly year-on-year. While highly profitable, the company faced working capital constraints: customer payment terms were long, and supplier commitments required upfront funding. To continue fulfilling orders and scaling operations without interruption, the client required short-term liquidity that could grow alongside their business.

The business was managing a sharp increase in orders from major retail and wholesale partners. This growth led to concentrated debtor exposure, with substantial monthly balances and extended payment terms creating short-term cashflow pressure. In addition, supplier commitments had to be met upfront, intensifying the working capital requirement. The client required a funding facility that could scale efficiently and adapt in line with ongoing turnover growth.

Enness arranged a confidential invoice discounting facility that released working capital tied up in outstanding invoices. This solution provided the business with the liquidity required to maintain imports and fulfil growing demand from key retail partners without operational interruption.

The proposed facility was structured to offer a flexible funding line aligned with turnover growth, enabling the client to draw against eligible invoices at a high advance rate. Security was taken over company assets, with additional guarantees considered as part of the overall structure.

The facility was tailored to the client’s requirements, including:

• Circa £4.5m facility limit 

• Advance against receivables up to circa 85% LTV

• Flexible repayment structure to accommodate cash flow needs

• Security structured via an all-asset debenture 

The facility provided a tailored cashflow solution that supported the business’s rapid expansion. With fast access to working capital and the ability to release funds against receivables, the client was able to:

• Confidently meet increasing order volumes from major retail partners.
   
• Maintain strong supplier relationships across international markets.
   
• Continue scaling turnover in line with demand, without liquidity pressures.
   
• Strengthen its position as a leading and reliable supplier within its sector.

This case demonstrates Enness’ ability to structure bespoke, high-value financing solutions at speed for rapidly scaling businesses. By understanding the client’s unique position, an early adopter in a changing regulatory environment, Enness delivered a facility that enabled the business to capture market share, maintain operational momentum, and secure long-term growth.