Enness Global was approached by a UK-based importer and distributor supplying high-quality products to some of the UK’s leading supermarkets and wholesalers. The business had built a strong reputation for sourcing premium products through a trusted supply network and importing directly from manufacturers.
Crucially, the company had been an early adopter of reusable solutions. As competitors began adapting to changing market requirements, demand for the client’s products increased significantly, creating an opportunity for rapid expansion.
The business experienced exceptional year-on-year revenue growth and remained highly profitable. However, this growth created a working capital requirement. Customers operated on extended payment terms, while supplier commitments often required payment upfront. The client therefore needed additional liquidity to continue fulfilling orders and scaling operations without placing unnecessary pressure on cash flow.
The increase in orders from major retail and wholesale partners also resulted in significant debtor balances and concentrated exposure. With substantial amounts of capital tied up in outstanding invoices, the business required a funding facility that could grow alongside turnover and provide reliable access to working capital as demand increased.
Enness Global arranged a confidential invoice discounting facility, allowing the business to release working capital tied up in eligible receivables. The structure provided liquidity against outstanding invoices, helping the company maintain imports and fulfil increasing orders without disrupting day-to-day operations.
The facility was designed to remain flexible as the business continued to grow, with funding available against eligible receivables at an advance rate of up to approximately 85%, subject to lender criteria. Security was structured through an all-asset debenture, with additional guarantees considered as part of the overall lending structure.
The facility included:
- Circa £4.5 million facility limit
- Advance against eligible receivables of up to circa 85%, subject to lender criteria
- Flexible repayment structure aligned with the business’s cash-flow requirements
- Security structured through an all-asset debenture
The resulting funding structure provided the business with a scalable source of working capital that could respond to increasing turnover and debtor balances. The additional liquidity enabled the client to meet growing order volumes from major retail partners, maintain supplier relationships across international markets and continue expanding without being constrained by the timing of customer payments.
By releasing capital from outstanding receivables, the facility also allowed the business to better align its cash inflows and outflows. This was particularly important given the gap between upfront supplier commitments and the longer payment cycles of major customers.
This case demonstrates how specialist working capital finance can support rapidly growing businesses where strong profitability does not necessarily translate into immediate cash availability. By understanding the client’s trading model, debtor profile and growth trajectory, Enness Global structured a bespoke invoice discounting facility designed to provide liquidity while supporting continued expansion.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax or investment advice. Finance is subject to status, underwriting, affordability, business performance and lender criteria. Terms, facility sizes and outcomes will vary depending on individual circumstances and are not guaranteed.
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