Creative Funding Solutions Ltd is a brokerage regulated by the FCA and its services are advertised through this website to introduce you to a wide panel of lenders who may or may not offer you a loan and who may pay us a commission for doing so.

 

Doing our bit for the trade deficit

TradeOne of our clients, a manufacturer, negotiated to purchase a related enterprise, whose assets included a £450,000 freehold building and £200,000 of machinery. However the intrinsic value of the business totalled far in excess of its tangible assets, incorporating £150,000 worth of ‘goodwill’. Meeting the asking price not only exceeded the funds our client had comfortably available at the time, but would have blocked further opportunities for investment, leaving the board risk averse at a time when they should expand.

Creative™ stepped in and set about obtaining funding for the whole acquisition. We were able to identify a panoply of funding solutions which, when applied together, amounted to the full asking price. In this case that meant a commercial mortgage, the refinance of the machine floor equipment, equity release in unencumbered assets already on the client’s balance sheet and a crowd-funded unsecured loan which made up the remainder. A lot of work for us, but to a certain reward: we’d fully addressed the requirement of our client.

The upshot of our intervention was that this client gained purpose-built heavy equipment and a skilled labour force to provide a reliable component in the manufacturing process which had been expensively outsourced before. This not only represented a saving on production costs after taking full account of the cost of funds but also delivered control and consistency which had been lacking previously. Therefore our client improved their own offering, and added further value quickly to the incoming company by introducing it to quality distributors with whom they had prior relationships.  The net worth of their acquisition saw a fivefold increase within thirty-six months, whereas the greater part of repayment liabilities had by this point been satisfied.

If you don’t know us, don’t assume you know what we do

PhoneOne of our clients owns and operates a motor racing championship. Their drivers occasionally struggled to pay seat/drive rental and race entry fees in a timely fashion, but they initially only approached us in relation to the procurement of a brand new racing car transporter to replace the aging one they were using to move their own cars around. The price of the replacement was £180,000.

Creative™ set about discovering a full picture of the business, and in doing so uncovered a shortfall between the timing of payments made to drivers by sponsors and the remittance of fees due to our client. We were able, not only to deliver the asset finance necessary for the procurement of a new vehicle befitting the championship, but also to find alternative finance to the tune of £30,000 per driver for the very intangible driver and race entry fees.

Our client came to us with a bread-and-butter opportunity, a straightforward asset finance deal, but we delivered over and above their expectations, also securing an important part of their future Cashflow and making the timing of decisions much easier.

Two birds with one stone?

A client came to us with twin objectives: firstly, refreshing a fleet of tractor units and then secondly, to refurbish the existing fleet of trailers as well.

The Creative™ team immediately intervened to establish a low rate credit line for new tractor units, conveniently drawn down as needed by the client so that they could refresh the different constituents of the fleet as and when required in a timely fashion and with as little hassle as possible. That done, an invoice discounting facility released funds tied up with debtors and provided an injection of cash which was then used to refurbish the existing trailers.

Quite apart from streamlining the route to funding for new tractors, our intervention helped to extend the life of those trailers by at least another 5 years, reaping savings far in excess of any costs incurred by the provision of the initial credit facility.

We earn the loyalty of our customers

InvoiceA Hire Company having no prior relationship with us were convinced that they were already very well served by both funders and brokers and therefore thought that we would have very little extra to offer them. A common mistake – and one that is very hard to disprove if you’re not given the opportunity to do so. It is without doubt the most frustrating part of the job.

Nevertheless, following our customary face-to-face meeting exploring their business, we quickly realised that a Creative™ VAT deferral on their new purchases would greatly reduce the burden on cash-flow. We were also able to explain that a variable rate facility meant they could sell their vehicles when requested by clients without fear of penalty.

Our intervention resulted in a better deal for our new client, not only in the fact that it was more flexible, but also, unsurprisingly (to us) that it was lower in any case than any of the facilities they’d been using before.

When you simply, positively have to make a move

MoveMany of our clients are not short of money at all. In fact, they’re high net-worth individuals. But they know the value of a timely investment. One such long-standing customer wanted to acquire an extremely collectable appreciating asset – a Ferrari GTO. He needed to move quickly on the purchase as these opportunities don’t come up very often, but there was a hitch. The vehicle was not in the UK, which precluded any kind of funding against it.

Of course Creative™ found a way. In fact we arranged to refinance a classic Porsche that we knew he had in his garage, thereby enabling him to use the cash to make his new purchase.

All it took was one initial conversation, and the end result is that our client’s portfolio of collectibles is appreciating in value year by year, and at a faster rate than ever before. And he is the proud owner of another fine piece of classic motoring history.

That’s the kind of result anyone would appreciate.

Don’t throw your money away

One of our clients, a technology company, had invented a new product applicable to a specific renewable energy system. There was significant global potential, but naturally enough they needed an initial cash injection to start production of this new technology.

Our situation team began by utilising the balance sheet of the client’s other trading company to raise the funds needed for tooling. Then a site visit by our account manager identified an opportunity to reclaim massive tax allowances due because of the extensive R&D. All we had to do then was introduce the client to our business partner, who looks after exactly this sort of thing.

Due to our due diligence this client salvaged 30% of their whole expenditure from concept to production and went on to transform their business following the launch of this innovative new product.

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