Client Overview
The client was a UK-based recruitment business experiencing rapid growth across multiple sectors. While turnover had increased significantly, extended debtor terms were placing pressure on day-to-day cash flow.
The directors approached Articus Finance to explore structured invoice financing solutions that would release capital without taking on traditional term debt.
Do you have an invoice financing enquiry? Click here to get in contact with one of our experienced brokers today.
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The Challenge
Despite strong profitability, the business faced:
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60–90 day payment terms from large corporate clients
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Growing payroll commitments
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Increased operating costs linked to expansion
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A desire to avoid unsecured borrowing
Traditional overdraft facilities were insufficient to support growth. The business needed a scalable working capital solution aligned to revenue.
Are you a business owner and need funding to expand or to help with cash flow? Read our 2026 review on how to unlock fast capital here.
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The Articus Finance Approach
Articus Finance conducted a detailed review of the company’s debtor ledger, concentration levels and contractual arrangements.
We assessed multiple structures, including confidential invoice discounting and full-service factoring, before presenting options from specialist providers active within corporate finance and working capital facilities.
Our focus was not simply securing funding — but ensuring flexibility as turnover continued to rise.
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The Solution
Articus Finance secured:
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Up to £400,000 in revolving funding
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Advances of up to 90% against approved invoices
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Confidential facility structure
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Headroom for projected growth
The facility scaled automatically in line with turnover, providing consistent liquidity.
Clients considering similar solutions often use our Business Loan Calculator to assess potential funding requirements before structuring a facility.
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The Result
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Immediate improvement in cash flow
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Ability to meet payroll comfortably
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Reduced reliance on overdraft facilities
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Confidence to pursue further client contracts
The business was able to continue expanding without placing strain on operational liquidity.
By replacing short-term funding pressure with a structured working capital solution, the company positioned itself for sustainable growth.
This case highlights how tailored funding under our wider corporate finance solutions can unlock value already sitting within the business.
