• Delivering flexible cashflow solutions for our corporate clients is increasingly in demand. Often this is a funding line that might only be utilised at key points during the year and the company’s trading cycle. PFG can introduce specialist funders which assist with on or off-balance sheet large scale finance facilities to optimise cash flow. We work with large customers which are either UK headquartered or with a UK trading entity but operating as part of a pan-country or global group.

    Unlocking funding from unencumbered assets is also something of a PFG speciality to inject significant finance into a client’s cashflow.

Case Studies

  • Automotive

    Automotive

    Finance Required: £35m
    Facility Arranged: Asset Finance (Hire Purchase + Lease Purchase + Operating Lease.
    Client: UK subsidiary of a multi-billion turnover global group. Single and dual
    source key component OEM (original equipment manufacturer) – part
    of global automotive supply chains for major motor vehicle producers.
    Purpose: To facilitate the creation of new production lines and manufacturing cells for next-generation critical components.
    Solution: Finance sourced from multiple funders on a planned basis, where each individual asset, or group of assets, was packaged and funded by an individual lender or finance company. Finance needed to be in place on time and in line with a complex implementation schedule.

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  • Construction

    Construction

    Finance Required: £2.3m + £1.5m.
    Facility Arranged: Term Loans.
    Client: Construction company.
    Purpose: To facilitate the acquisition of two target companies.
    Solution: Finance facilities arranged in support of the client’s strategy of building a construction group. Initial acquisition on target 1 was short term to facilitate a rapid sales process, subsequently refinanced out to a longer-term lender. Facilities delivered on a term debt basis supported by the historic/forecast revenues of the businesses.

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  • Construction Related

    Construction Related

    Finance Required: £15m.
    Facility Arranged: Asset Based Lending – Invoice + Asset + Inventory Finance
    Client: Product manufacturer into the construction sector
    Purpose: Refinance of existing funder seeking an exit and provision of new, flexible finance facilities in support of a turnaround plan proposed by a new incoming management team with a proven track record
    Solution: Flexible Asset Based Lending solution arranged from a funder prepared to deploy in a turnaround situation and back the plan proposed.

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  • Facilities Management

    Facilities Management

    Finance Required: £10m
    Facility Arranged: Working Capital Facility.
    Client: UK subsidiary of a global facilities management group.
    Purpose: To maximise availability of working capital and provide a liquidity buffer during seasonal peaks.
    Solution: Off balance-sheet finance facility arranged with the capability to scale in line with forecast business requirements. A flexible cashflow solution enabling short term “cash advances” to be drawn down as and when needed.

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  • Leasing

    Leasing

    Sector: Leasing.
    Finance Required: Initially £5m (since grown to £100m).
    Facility Arranged: Funding line to support own lease book.
    Client: Leasing company
    Purpose: Wholesale funding required to facility growth of finance company own leasing book.
    Solution: Scalable funding line delivered from a funder with the capability to match the growth of the client.

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  • Marketing

    Marketing

    Finance Required: £40m (to date).
    Facility Arranged: Working Capital Facility.
    Client: Multi-national marketing and public relations provider.
    Purpose: To maximise availability of working capital thereby enabling a strong upward growth curve to be maintained.
    Solution: Delivery of a flexible cashflow solution enabling short term “cash advances” to be drawn down.

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  • Packaging

    Packaging

    Finance Required: £1.5m.
    Facility Arranged: Revolving Cashflow.
    Client: Packaging Producer.
    Purpose: Acquisition finance.
    Solution: Revolving Cashflow facilities deployed, enabling our client to unlock some equity investment to utilise on a further acquisition in support of a “buy and build” strategy.

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  • Security

    Security

    Finance Required: £3.5m.
    Facility Arranged: Invoice Finance + Term Loan.
    Client: Security company – remote and on-site service provider
    Purpose: Refinance of the incumbent funder seeking to exit, plus funding of the company during an insolvency process and financing for NewCo post Administration in line with management’s turnaround plan. Company insolvency was as a result of external factors unrelated to core operations and the business model.
    Solution: Introduction of a new funder with the capability to replace the existing lender and finance the company through Administration and deliver expansion funding for the NewCo.

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  • Wholesale Fruit and Vegetables

    Wholesale Fruit and Vegetables

    Finance Required: £8m.
    Facility Arranged: Asset Based Lending – Invoice Finance + Asset Finance + Term Loans.
    Client: A purveyor of fruit and vegetables to restaurants and food outlets.
    Purpose: To maximise availability of working capital in support of planned growth and to ensure improved matching of finance facilities with return on investment.
    Solution: Refinance of existing bank lending with a new structured Asset Based Lending facility with increased quantum and improved repayment basis thereby easing pressure on cashflow.

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