An Essex-based Health & Safety Consultancy has secured a six-figure Invoice Finance facility through Navigate Commercial Finance to manage seasonal cashflow pressures.
The company specialises in Asbestos Surveying, Fire Safety, H&S Assessments, and Legionella Risk Management — operating in a highly regulated sector where expertise and compliance are critical. While the business enjoys strong trading, it experiences regular cashflow pinches around VAT quarters and required a flexible headroom facility.
Given the nature of the sector, a specialist lender with a strong understanding of regulated professional services was essential. With straightforward collateral and excellent audit trails, Invoice Finance was the ideal solution.
We secured a tailored facility that not only provides the necessary working capital support but also keeps fees to a minimum during periods when the business is not utilising the funding. This smart, light-touch structure allows the consultancy to draw funds only when needed, ensuring supplier and operational payments are never compromised.
The new facility has delivered the financial flexibility required to maintain smooth operations while continuing to grow its specialist service offering across the South East.
This outcome demonstrates our ability to deliver pragmatic, sector-appropriate funding solutions that align precisely with the working capital cycles of professional service businesses.
