- Client: UK-based EV charging infrastructure business
- Challenge: High debtor concentration and specialised inventory limited traditional receivables-based funding options
- Loan Amount: circa £3M revolving credit facility
A UK-basedbusiness operating in the EV charging infrastructure sector approached Enness seeking a circa £3M revolving credit facility to facilitate the buyout of an existing shareholder while also supporting ongoing working capital requirements. The company was experiencing strong growth within a capital-intensive sector and required a flexible funding structure capable of providing liquidity without restricting operational scalability or placing pressure on day-to-day cash flow.
Traditional funding routes proved challenging due to the structure of the company’s balance sheet. The business had a high level of debtor concentration, which reduced suitability for conventional receivables-based facilities. In addition, inventory associated with EV infrastructure components was specialised and evolving, making it more difficult for lenders to apply standard valuation methodologies. As a result, structuring a facility capable of supporting both the shareholder buyout and ongoing working capital needs required a broader balance sheet-led approach rather than reliance on a single funding metric.
Enness introduced a specialist lender able to assess the strength of the company’s overall financial position and growth trajectory. A circa £3M revolving credit facility was structured using a balance sheet-backed approach rather than depending solely on receivables or inventory values. The revolving structure ensured the client could draw and repay funds as required, enabling completion of the shareholder buyout while maintaining ongoing liquidity to support operations in a fast-moving infrastructure sector.
The facility provided the flexibility required to complete the ownership transition without disrupting trading activity, while preserving access to working capital as the business continued to scale. This case demonstrates how structured revolving facilities can support shareholder restructuring alongside operational growth, particularly in emerging sectors where traditional lending models may not fully reflect underlying business strength.
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