- 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 seeking short-term working capital to support seasonal cash flow. The business required a rapid funding solution without offering a personal guarantee, as the director was based overseas. Although the company operated profitably, it faced short-term liquidity pressures due to timing differences between customer receipts and supplier obligations, a common challenge for businesses with cyclical income flows.
The combination of sector-specific risk and the director’s overseas residency limited access to conventional finance options. Most lenders were unwilling to offer unsecured facilities without a personal guarantee, particularly given the time-sensitive nature of the requirement. With supplier payments due imminently, Enness needed to identify a funding partner able to move quickly and structure terms that balanced lender security with client flexibility.
Drawing on our network of specialist lenders, Enness secured an unsecured 12-month loan without the requirement for a personal guarantee, a structure rarely achieved in this sector. The facility provided the necessary liquidity to manage supplier obligations and maintain operational continuity ahead of peak trading periods. The short-term facility was designed to prioritise speed and flexibility while supporting the client’s working capital needs effectively.
Our expertise in hard-to-fund sectors and strong lender relationships allowed us to secure terms that most providers would not consider. We understand the nuances of seasonal industries like travel and can present lenders with a clear picture of a business’s underlying strength, even where cash flow is temporarily tight. Our ability to move quickly and negotiate no-personal-guarantee structures makes us a trusted partner for entrepreneurs operating internationally or under time pressure.
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