A family-run West Midlands-based aggregates wholesaler has secured a seven-figure Invoice Finance facility through Navigate Commercial Finance to support its strong growth ambitions.
The company supplies quarried, recycled, and decorative aggregates to the construction industry, farmers, and small businesses. A well-managed, profitable business with a solid balance sheet, it required a funding partner capable of maximising availability from its sales ledger to match increasing demand.
Invoice Finance was selected as the most suitable solution due to its ability to scale in line with turnover growth, straightforward “sell and forget” collateral, simple audit trails, and good quality, well-spread insured debtors.
We secured a specialist lender who delivered a significantly enhanced facility, offering:
- An additional 10% prepayment percentage
- Funding on a wider range of debtors
- A higher overall facility limit
- Reduced facility charges
- No requirement for Personal Guarantees
These improved terms have given the business greater working capital flexibility and the confidence to pursue its expansion plans without restriction.
This outcome reflects the strength of the company’s fundamentals and our ability to secure superior funding structures for established, ambitious family businesses in the construction supply sector.
The wholesaler is now ideally positioned to capitalise on market opportunities and continue its successful growth journey with the right long-term funding partner in place.
