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Client: UK-based industrial services firm with historic credit challenges
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Loan Type: Secured commercial loan for debt consolidation
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Outcome: Monthly savings of more than circa £20,000 across existing finance facilities
A long-established UK industrial services firm approached Enness seeking assistance to consolidate several high-cost borrowing arrangements. The business had multiple asset finance agreements supporting its operations, but repayments had become increasingly difficult to sustain due to short terms and elevated interest charges. With credit challenges on record and pressure on cash flow, the client required a refinancing solution to streamline debt, reduce monthly commitments, and restore financial stability.
The client’s existing debt was spread across several lenders, each with varying repayment schedules, rates, and terms. This fragmented structure made financial management complex and left limited headroom for working capital. Despite a strong trading history, the company’s recent credit issues and high gearing meant that traditional refinancing routes were unavailable. A bespoke approach was required to consolidate liabilities into a single, manageable facility while accommodating the client’s credit profile.
Enness worked with a specialist commercial lender to secure a structured facility against company assets. The new loan consolidated multiple existing agreements into one facility with a longer repayment profile and reduced monthly commitments. By presenting the client’s trading performance, tangible asset base, and repayment strategy in a lender-friendly format, Global Bridging Finance was able to achieve favourable terms despite historic credit challenges.
Our experience in the commercial finance market and established relationships with specialist lenders meant we could quickly identify a lender comfortable with both the industry and the client’s credit profile. We focus on building long-term solutions for businesses under financial pressure and can access flexible, asset-backed options often unavailable through mainstream channels. If your business is struggling with multiple finance agreements, we can help restructure debt efficiently and free up working capital.
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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.
