Our Customers
​Manufacturing company unlock Growth with Invoice Finance
Turning Outstanding Invoices into Immediate Working Capital
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Client Overview
A UK-based manufacturing company supplying national retailers was experiencing strong growth. Monthly turnover had increased to £350,000, but payment terms of 30–60 days were creating a growing cash flow gap.
Despite being profitable on paper, the business was regularly waiting on over £500,000 in outstanding invoices at any given time.
Growth was strong — but cash flow was tight.
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The Challenge
The business needed to:
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Fund larger stock purchases
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Cover payroll for 28 staff
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Invest in new equipment
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Take on a major new contract
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Maintain smooth supplier relationships
Waiting 30–60 days to be paid was restricting expansion.
The directors wanted a solution that would:
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✔ Release cash quickly
✔ Scale with revenue
✔ Avoid taking on long-term debt
✔ Support continued growth
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The Solution
Intelligent Funding structured a flexible Invoice Finance facility tailored to the company’s trading cycle.
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How It Worked
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Up to 90% of invoice value advanced within 24 hours
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Facility linked directly to sales ledger
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Funding increased as turnover increased
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Optional credit control support
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Confidential facility structure
Instead of waiting up to two months for payment, the business accessed cash almost immediately after issuing invoices.
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The Financial Structure
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Average Monthly Invoices: £350,000
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Advance Rate: 85–90%
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Initial Immediate Release: Approximately £300,000
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Revolving facility aligned to sales
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As new invoices were raised, additional funding became available automatically.
The facility grew alongside the business.
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The Key Benefits
1.Immediate Cash Flow Boost
Large outstanding invoices were converted into working capital within 24 hours.
No more waiting 60 days to get paid.
2. Scalable Funding
Unlike traditional loans, invoice finance grows in line with revenue.
More sales = more funding availability.
This made it ideal for a high-growth business.
3. No Additional Long-Term Debt
Invoice finance is secured against receivables, not future borrowing capacity.
This preserved the company’s ability to access other funding if needed.
4. Stronger Supplier Relationships
With improved liquidity, the company:
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Paid suppliers on time
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Negotiated early payment discounts
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Secured better bulk purchasing terms
5. Confidence to Win Larger Contracts
With predictable working capital, the business confidently secured a major retailer contract worth an additional £1.2m annually.
Cash flow was no longer a barrier to growth.
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The Results After 12 Months
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Revenue increased by 27%
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Production capacity expanded
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Staff numbers grew from 28 to 35
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Supplier terms improved
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Cash flow stabilised
Most importantly, growth was no longer restricted by delayed payments.
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Why Invoice Finance Is a Smart Growth Tool
Invoice finance is ideal for businesses that:
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Offer 30–90 day payment terms
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Are growing rapidly
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Experience seasonal peaks
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Need consistent working capital
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Want funding aligned to turnover
It transforms unpaid invoices into immediate fuel for expansion.
Intelligent Funding: Strategic Working Capital Solutions
This case study shows how intelligent funding can:
✔ Unlock cash tied up in receivables
✔ Support rapid growth
✔ Improve operational stability
✔ Increase purchasing power
✔ Strengthen financial confidence
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Invoice finance isn’t just about cash flow — it’s about enabling momentum.
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Ready to Unlock the Value in Your Invoices?
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If your business is waiting weeks or months to get paid, Intelligent Funding can structure a flexible invoice finance solution tailored to your sector and growth stage.
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Turn unpaid invoices into immediate opportunity, contact us now to discuss.
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£1.1 MILLION FUNDED FOR A FOOD PRODUCTION COMPANY
A large, established food production company approached Intelligent Funding in need of additional funding to meet rising demand. With their trade volumes increasing rapidly, the business needed a finance solution that could provide immediate working capital without tying up existing assets.
The Highlights
✅ £1.1 million unsecured loan arranged to fund trade expansion for the food production company
✅ Structured across multiple lenders for the most competitive rates and flexible terms
✅ Fast approval and payout, ensuring uninterrupted supply and production
✅ Improved cash flow and turnover, enabling bulk purchasing and increased profit margins
The Challenge
The food production company had experienced a sharp rise in demand from both existing and new clients, which presented a valuable opportunity for growth. However, meeting this demand increased imports of raw materials and ingredients. To secure the best pricing and maintain strong supplier relationships, the business needed to purchase in bulk, but their existing cash flow couldn’t sustain the upfront costs.
They required £1.1 million in unsecured funding to support a high-demand trade facility. The challenge was finding a lender (or combination of lenders) that could provide such a substantial unsecured amount quickly, at competitive rates and without disrupting day-to-day operations.
The Solution
Intelligent Funding stepped in to structure a bespoke funding package that met the company’s needs in full. Using our extensive network of lenders, we were able to secure the entire £1.1 million through multiple partners, dividing the facility strategically to achieve the best blend of rates, terms and flexibility.
This multi-lender approach not only ensured fast approval but also demonstrated Intelligent Funding’s experience and understanding of funding options. With the funding in place, the company was able to capitalise on supplier discounts, improve import volumes, and strengthen its position in an increasingly competitive market. The additional liquidity supported higher turnover and allowed the business to reinvest profits back into growth and innovation, setting them up for continued success.
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Give us a call on 01937 413888 or head to Grow your business with Intelligent Funding - Business loans for Entrepreneurs to start the conversation.
​Veterinary Practice secures £250,000 Business Loan for major refurbishment
Investing in your business’s future can be both exciting and challenging - especially when large-scale projects require significant financial backing.
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That was exactly the situation for this client, a veterinary practice looking to fund an extensive construction and fit-out project at their premises.
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Background
​The veterinary clinic specialises in advanced surgical procedures, hospital care, and diagnostic imaging. To maintain their reputation for excellence, they needed to ensure their facilities continued to meet the highest clinical and operational standards.
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The Objective
​The business had reached the point where a complete refurbishment was essential - a major construction project that would modernise the entire practice.
However, covering the full cost upfront would have placed considerable strain on their working capital. To complicate matters, VAT and Corporation Tax deadlines were also approaching, making it vital to find a flexible funding solution that would preserve cash flow.
Our Approach​
As one of our industry specialities, the team were quick to understand the needs of the veterinary practice and structure an effective financial package.
We successfully arranged a £250,000 unsecured loan over a five-year term to finance the construction works. This funding enabled the practice to spread costs through manageable monthly repayments - keeping cash available for ongoing operational needs, including upcoming tax commitments.
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The Results
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Supported the client with a fresh funding solution for a major clinic fit-out.
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Arranged a £250,000 unsecured business loan over five years.
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Helped maintain healthy cash flow and avoid disruption ahead of VAT and Corporation Tax payments.
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Could your business benefit from funding llike this?
If your business is planning expansion, refurbishment, equipment purchases or needs support managing cash flow , tailored funding solutions may be available. contact us here.
£70,000 Asset finance for Medical Research and Development
As a finance broker, the most satisfying things we can help with are funding for businesses who truly help the community around us.
This was certainly the case when we were approached by an umbilical cord blood bank who needed funding to support their rapidly growing business.
The blood bank specialises in holding umbilical cords to help repair damaged tissue, support regrowth, replace worn out organs and potentially cure life threatening diseases that newborns may have in the future.
The Highlights
✅ Intelligent Funding worked closely to understand the medical equipment required.
✅ We helped to secure an Asset Finance deal worth almost £70,000.
✅ Allowed the business to grow and expand their storage facilities.
✅ Financed through one of our top-tier lenders with a market-leading rate.
The Challenge
After a period of rapid growth, this company were running out of storage facilities which played a huge part in the everyday functionality of the blood bank.
Funding was needed to invest in new specialised equipment to store the baby’s umbilical cords for important medical research and development projects.
The Solution
Intelligent Funding were keen to support such an important medical business and ensure their business could continue to grow.
A market-leading asset finance rate was secured to purchase a BIOSAFE 2400 MD-Smart (Medical Device) CHRONOS 2400 sample storage tank with level control device and BIOSAFE-smart tank monitoring, worth £69,055.22.
​​​​​​​​​​£96,000 funded for a Distribution company to Protect Cash Flow with Smart VAT Finance
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Client Overview
A fast-growing UK wholesale distribution company faced a £96,000 quarterly VAT bill due to HMRC. While the business was profitable and trading strongly, a large portion of its capital was tied up in stock and receivables.
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Paying the VAT bill in one lump sum would have:
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Strained working capital
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Limited the ability to purchase new stock
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Reduced marketing and growth activity
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Increased short-term financial pressure
The directors needed a solution that was fast, compliant, and cash-flow friendly.
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The Challenge
Although VAT is a tax liability, it often creates a temporary cash flow gap, especially for growing businesses.
The company’s main concerns were:
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Maintaining healthy working capital
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Avoiding disruption to operations
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Protecting supplier relationships
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Continuing growth momentum
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Avoiding penalties or late payment interest
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They wanted to stay compliant with HMRC while preserving liquidity.
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The Solution
Intelligent Funding structured a 12-month VAT finance facility to cover the full £96,000 VAT bill.
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How It Worked:
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Full VAT liability paid directly to HMRC
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Fixed monthly repayments over 12 months
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Fast approval process
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Minimal paperwork
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No impact on supplier terms
The business converted a large, immediate tax outflow into manageable monthly instalments.
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The Financial Breakdown
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VAT Bill: £96,000
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Term: 12 Months
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Monthly Repayment: Structured and affordable
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Fixed repayment schedule for budgeting clarity
Instead of losing nearly £100,000 in one payment, the business retained capital to:
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Purchase additional inventory
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Invest in marketing campaigns
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Hire an additional sales executive
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Strengthen operational resilience
The Key Benefits
1. Immediate Cash Flow Protection
By spreading payments over 12 months, the business preserved liquidity during a key growth phase.
2. Continued Business Growth
Rather than slowing down to manage tax obligations, the company continued expanding.
The retained capital helped generate additional revenue that outweighed the finance cost.
3. Predictable Budgeting
Fixed monthly repayments improved financial planning and forecasting.
No surprises. No sudden strain.
4. Fast & Convenient Process
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Simple application
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Quick decision
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Funds released in time to meet HMRC deadline
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No complex restructuring
5. No Disruption to Operations
Suppliers were paid on time.
Staff were paid as normal.
Growth plans remained intact.
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The Outcome
Within 12 months:
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Revenue increased by 18%
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Stock levels expanded to meet demand
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Cash reserves remained stable
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The VAT liability was cleared in full
The directors described the solution as:
“A simple, strategic way to turn a tax burden into a manageable business tool."
Why VAT Finance Makes Strategic Sense
VAT bills are predictable but can still create pressure.
Intelligent Funding helps businesses:
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Spread tax payments
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Avoid penalties
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Protect working capital
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Improve financial stability
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Maintain operational momentum
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Access fast, structured finance
When Should Businesses Consider VAT Finance?
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Rapid growth phases
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Seasonal trading cycles
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Large quarterly VAT liabilities
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Cash tied up in stock or receivables
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Protecting emergency reserves
VAT finance isn’t about avoiding tax — it’s about managing cash flow intelligently.
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Intelligent Funding: Smarter Cash Flow Management
This case study demonstrates how intelligent funding solutions can transform a tax liability into a strategic advantage.
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By financing the VAT bill over 12 months, the client:
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✔ Protected working capital
✔ Continued scaling
✔ Avoided financial stress
✔ Maintained compliance
✔ Strengthened long-term stability
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Need Help With an Upcoming VAT Bill?
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If your business has a VAT payment approaching, Intelligent Funding can help structure a flexible, fast, and affordable solution tailored to your needs.
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Turn large tax payments into manageable monthly investments in your growth.
Got any questions? Contact us now.
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