- Client: UK-based leisure services business with overseas ownership
- Loan Type: Unsecured business loan with no personal guarantee
- Loan Term: 12 months
An established UK leisure services company approached Enness Global seeking short-term working capital to manage seasonal cash-flow requirements. The business was trading profitably but experienced temporary liquidity pressure due to the timing difference between customer receipts and supplier payments. With the director based overseas, the client also required a funding structure that did not rely on a personal guarantee.
The combination of the business’s seasonal trading profile and overseas ownership reduced the number of conventional lenders willing to consider the application. Many unsecured business lenders require a personal guarantee, particularly where the borrowing is intended to support short-term working capital. The client therefore needed a specialist lender able to assess the underlying strength of the business while accommodating the ownership structure and time-sensitive funding requirement.
Enness Global leveraged its network of specialist business lenders to identify a suitable funding partner and secured an unsecured 12-month facility without a personal guarantee. The structure provided the business with additional working capital to manage upcoming supplier obligations and maintain operational continuity through a key trading period.
The facility was designed around the company’s underlying trading performance and seasonal cash-flow cycle. By presenting the business’s financial position and funding requirement clearly to the appropriate lender, Enness was able to secure a structure that balanced the client’s need for flexibility with the lender’s underwriting requirements.
The resulting funding provided the company with greater short-term liquidity and reduced pressure around the timing of customer receipts and supplier commitments. This allowed the business to continue operating normally while managing seasonal fluctuations in working capital.
This case demonstrates how specialist unsecured business finance can provide working capital solutions for profitable companies where conventional lenders may be restricted by sector, ownership structure or the absence of a personal guarantee. Enness Global’s specialist lender network allows complex business finance requirements to be assessed on their wider commercial merits, particularly where speed and flexibility are important.
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 and outcomes will vary depending on individual circumstances and are not guaranteed.
Risk Warning:
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