- Approximately £1.5 million debt consolidation
- Government-backed term facility
- Fully amortising structure to improve cash flow
An established UK-based corporate client approached Enness Global to restructure its existing borrowing. The business had grown rapidly in recent years, supported by strong recurring income, healthy margins and an experienced leadership team. However, legacy borrowing taken during periods of growth and the pandemic had become inefficient and restrictive.
The company had accumulated multiple facilities, including government support loans, unsecured borrowing and short-term funding. Although revenue had recovered and expanded, the fragmented debt structure resulted in high blended costs and significant monthly repayment pressure, limiting reinvestment capacity.
The objective was to consolidate approximately £1.5 million of legacy borrowing into a long-term, structured solution that would improve visibility, reduce costs and stabilise working capital.
Enness Global repositioned the case towards a structured government-backed facility, enabling reduced lender risk and improved pricing. A new circa six-year fully amortising term loan consolidated all outstanding facilities into a single structure, secured by a debenture with capped guarantees.
The solution significantly reduced monthly outgoings, simplified the capital structure and improved the company's debt service coverage ratio. With cash flow stabilised and financing aligned to long-term growth, the business was able to shift from reactive debt management to a strategic, expansion-focused approach.
This case highlights Enness Global's expertise in restructuring complex corporate borrowing and delivering tailored funding solutions that support sustainable long-term growth.
Disclaimer
This case study is anonymised and provided for illustrative purposes only. It does not constitute financial, legal, tax or investment advice. Enness Global acts as a broker and not as a lender. All lending is subject to status, underwriting, valuation and lender approval. Loan terms, pricing and facility structures vary depending on individual circumstances, asset profile and market conditions. Outcomes are not indicative of future results. Independent professional advice should be sought before entering into any financial arrangement.
Information contained in our case studies is for market and illustrative purposes only. In some cases, these may be made up of multiple cases and are for illustrative purposes only.
Some case studies are made up of enquiries that have come into the business, not all business completes, and the posting of a case study does not represent a completed piece of business.
Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
