A Manchester-based security company providing professional risk management and surveillance solutions has secured a five-figure Revolving Credit Facility (RCF) through Navigate Commercial Finance.
The business faced occasional cashflow timing gaps caused by customers paying on 30-day terms while subcontractors required payment on similar timescales. Although Invoice Finance was considered, customer concentration made it expensive due to the need for additional Bad Debt Protection.
Our team recommended a Revolving Credit Facility as the more suitable and cost-effective solution. The flexible RCF allows the company to draw down funds up to an agreed limit only when required, paying interest solely on the amount borrowed and for the actual period used. This light-touch facility carries no non-utilisation fees and provides valuable peace of mind that funds are readily available for any short-term cashflow needs.
The facility has removed payment timing pressure without adding unnecessary cost or administration. The directors can now focus on delivering high-quality security services and growing the business, confident that working capital support is available exactly when needed.
This outcome showcases our ability to recommend the right funding structure by carefully analysing the business’s specific cashflow profile and sector requirements.
