The challenge
A commercial printer had valuable owned presses but needed working capital after two large customers moved to longer payment terms.
What we did
Asset refinance against unencumbered print machinery, using valuation evidence and debtor schedules to show the cash gap was timing-related.
The outcome
Cash was released within nine working days, supplier terms were protected and the business avoided stretching HMRC or trade creditors.
The full story
How the deal came together.
Profitable but cash squeezed
Mersey Colourworks was profitable, but two large customers extended payment terms after contract renewal. The business had orders, stock and staff costs before cash arrived.
Using owned machinery
The company owned several presses outright. We obtained valuation support and placed a refinance facility against the equipment rather than asking for unsecured borrowing.
Outcome
The facility released cash quickly, protected supplier relationships and gave the directors a fixed repayment profile while debtor days normalized.
"It solved a timing problem without turning our supplier relationships into the bank."
Could you fund this?
If your business looks anything like Mersey, the answer is almost certainly yes.