£1m Unsecured Facility Loan for High-End Toiletries Specialists
Jones & Co are finance partners to a leader in high-end toiletries and soap products. They use us because they know that, no matter their requirements, we can find finance solutions that deliver time and time again.
We’re a finance partner, not just a broker.
This means that we work closely with our clients, keeping their best interests in mind at all times – that’s exactly what we did here, rapidly securing:
Loan value: £1m
Term: 1 year
Interest rate: 15%
The Client
The client is a manufacturer and importer of very high-end toiletries and soap products that are made in an organic, vegan and environmentally friendly manner.
They have been trading for many years and work with some of the best department stores in the UK.
The Challenge
The client was trading at capacity, and had very strong business with great customers, which have been loyal to the client for many years before we facilitated this transaction.
However, the client was launching a new product line. Two of his major customers placed significant orders of this new product, meaning that our client needed to raise substantial capital due to the size of the orders.
Now, due to the way the client’s business is set up and the shareholding structure, there were no guarantees which were available, meaning that the client was struggling to find an unsecured finance solution on short notice.
Unsure how to proceed, they reached out to our specialists at Jones & Co.
Our Solution
Understanding the client’s urgent need, our team quickly got to work.
We connected with a variety of lenders in order to find the perfect finance solution for the client. We quickly managed to raise an unsecured facility loan of £1 million. This unsecured loan was acquired based on the strength of the business and the strength of their presence in the market that had been built over the years.
The client was delighted that we delivered on our promises, and quickly, too!
“J&Co managed to deliver the impossible! A £1m facility with no security at all at a similar interest rate to an overdraft. We will come back to J&Co for a further top up and discussions re other opportunities in the future.”
If you are in a similar position, or are looking for finance options where you are not personally liable for the debts, our team at Jones & Co can help.
Whether you require a finance product that does not require any guarantees, or you would be happy with an insurance policy which is lodged against the facility to alleviate liability against your shareholders/directors if a PG in required, we will be diligent in finding the perfect solution to meet your needs.
We’re proud of the fact that each and every policy we provide is moulded uniquely to our clients’ requirements. We put the time in at the front end of our relationship, learning everything we need to know about your business in order to give us the best chance of success with our lenders.
We make a difference to our partners’ finances every single day. If you want to see a new way to finance your business, don’t hesitate to get in touch with our friendly advisors for a no-obligation chat.
Alternative Lending: Why Banks Are Bottlenecking Growth (And What To Do Instead)
Banks have become gatekeepers instead of growth partners.
For thousands of UK businesses, this simply isn’t sustainable. Banks have become painfully slow, inflexible, and increasingly out of touch with how modern businesses actually operate.
As funding pipelines dry up, alternative lending is stepping in to do what traditional finance won’t: actually support ambitious SMEs. It’s not just a trend, it’s a shift. A massive, long-overdue rebalancing of power in the business finance world; a lifeline for UK businesses who need access to capital NOW, not three months after the opportunity’s disappeared.
How Asset Finance is Powering Manchester’s Industrial Growth
Manchester is booming.
From Trafford Park to Ancoats, and from Wythenshawe to Salford Quays, this city’s business scene is alive with ambition
And it’s not just talk.
Industrial take-up is up, equipment investments are rising, and manufacturers are expanding. But here’s the catch: growth costs money.That’s why more Manchester businesses are ditching the wait-and-save approach and turning to asset finance to move faster, smarter, and without risking their working capital.
Merchant Finance: The Smarter Way to Fund Your Business
Let’s face it – traditional finance is broken. Or at the very least, it’s too slow, too rigid, and too obsessed with credit scores to be useful to the average business owner who just needs cash, quickly, without the faff.
That’s why merchant finance has been gaining traction across the UK. It’s flexible, fast, and surprisingly fair. This form of funding is quietly becoming a go-to lifeline for UK businesses, particularly those that take the bulk of their payments by card.
But what exactly is merchant finance, and why are so many switched-on businesses turning to it? Let’s break it down.
Why Asset Finance in Birmingham Is Gaining Momentum in the Construction Sector, and How Jones & Co Are Supporting the Surge
Birmingham is entering a new era of regeneration, with the construction sector standing at the forefront. Fuelled by major developments such as the £3 billion Sports Quarter, the demand for flexible and accessible funding is growing rapidly and asset finance is emerging as a critical solution. At Jones & Co, we are supporting this surge by offering tailored alternative finance options that empower businesses to grow.
Jones & Co Partners with Bizcap to Launch the UK’s First Ever Unsecured Revolving Credit Facility
Say goodbye to cash flow worries and hello to a world of opportunity. Jones & Co has become the first broker in the UK to partner with Bizcap and bring their Business Line of Credit to British SMEs, a revolutionary product offering funds at your fingertips whenever you need them.
Interest Rates Drop: What It Means for Borrowers and Finance Providers in the UK
Big news this week: the Bank of England is expected to nudge the base interest rate down from 4.5% to 4.25%. It’s the latest in a series of cuts designed to give the UK economy a much-needed boost.
But what does this actually mean for everyday borrowers, businesses, and the finance providers behind the scenes? Let’s take a closer look.
How UK Businesses Can Survive Global Tariffs in the Trump Trade Era
In the last week or so, U.S. President Donald Trump announced a series of tariffs impacting global trade, including a 10% tariff on all British exports to the United States.
