I Recently Helped One of My Haulage Clients Go From a Maxed-out Overdraft and Personal Guarantees on Two Homes… to £400,000 Cash in the Bank in Just One Day.

This company has been running for three years.

Until now, they relied on an overdraft and made sure client payments came in on time to keep things moving.

The business was growing fast. They’d built a strong name in the industry, with new work coming in from retailers ahead of the busy Christmas period (October to February).

The problem?

Their overdraft was secured against two personal properties.

The bank wanted to take a second charge, and the directors were worried. If anything went wrong, their homes were at risk.

That’s when they got in touch to talk about invoice finance.

They were forecasting £3 million turnover over the next 18 months, so we arranged a £600,000 facility to support their working capital.

When it went live, we released £400,000 straight into their account on Day 1.

To clarify, it wasn’t just on new invoices. It also covered what was already outstanding on their ledger.

And now, they can draw down up to 90% of new invoices going forward.

The results:

→ The overdraft was cleared, releasing the charge on their homes.

→ The business now funds itself.

→ The directors no longer worry about paying drivers or fuel each week.

→ They can invest in better vehicle maintenance and faster call-outs.

→ VAT payments are covered easily every quarter.

Heading into peak season, they’ve now got the cash, confidence, and peace of mind to keep things moving.

If you’re heading into a busy period and cash flow feels tight, now’s the time to get ahead. 🚛