A resilient London-based dry food wholesaler importing from India, Africa, and Europe has secured a six-figure Revolving Credit Facility (RCF) through Navigate Commercial Finance to strengthen its working capital and fuel ongoing expansion.
The business supplies independent restaurants and shops across the capital. Despite the significant challenges of COVID-19 and ongoing stock availability issues, the company demonstrated impressive resilience, maintaining operations and even growing revenue during the pandemic.
To capitalise on this momentum and purchase increased volumes of stock, the business required flexible funding. Their previous Invoice Finance facility had become too administratively burdensome due to a high volume of debtors.
Our team identified a Revolving Credit Facility as the ideal solution. The RCF offers light-touch administration, allowing the company to draw down funds in line with working capital needs and repay when cashflow allows — with interest charged only on the amount borrowed.
Utilising off-balance sheet assets, the facility was structured and put in place within 12 weeks. This flexible funding now enables the wholesaler to buy stock more effectively, manage seasonal demand, and continue its strong growth trajectory without the previous administrative burden.
This outcome highlights our ability to deliver practical, growth-focused funding solutions tailored to the real operational needs of import wholesalers in challenging markets.
