How £200k of revolving credit helped an ecommerce brand scale overseas

Paying suppliers upfront, funding ads and waiting on payouts left this growing brand with a cash gap. A £200k revolving credit facility closed it, cut delivery times by two thirds and saves £40k a month.

The business
The business sells its own range of consumer products online. Products are made by an overseas manufacturing partner and sold direct to customers in North America, with the business run from the UK. It had grown quickly and wanted to keep that momentum.

The challenge
Growth like this creates a cash gap. The manufacturer is paid before a single order is placed. Ad spend goes out while platform payouts are still settling. Freight and logistics costs land well before the revenue does. On top of that, every order shipped from the manufacturer's side of the world, so customers waited around 9 days for delivery and shipping costs stayed high. The business had signed with a warehouse partner in its main market, but needed the cash to make the move without drawing on its reserves.

What we did
We took the case to a wide panel of specialist providers and helped the owner compare the offers that came back. They chose a £200k revolving credit facility, which frees up funds again as they repay, so it grows with the business.

The result
• Manufacturing and freight paid for without waiting on platform payouts
• Ad spend funded across campaigns, so cash is no longer the ceiling
• Stock now ships from a warehouse close to customers, cutting delivery from 9 days to under 3
• £40k a month saved on logistics costs

How a revolving credit facility works
A revolving credit facility gives your business a set credit limit to draw from when you need it. You repay what you use, and as you do, those funds become available again. It suits businesses where cash goes out well before it comes back in, and the timing changes from month to month.

Could it work for your business? It often suits businesses that:
• Pay suppliers or fund ad spend before sales come in
• Wait on platform payouts from sites like Amazon or Shopify
• Build up stock for peak seasons or new markets

Facing a similar step up? Talk to our team about your funding options.