A well-established building contractor based in Haverfordwest approached MacManus Asset Finance Ltd seeking structured business funding to support ongoing operations.
We had worked closely with the Haverfordwest-based company for over three years, building a strong relationship with the directors and supporting them previously with commercial finance solutions. As their projects expanded, maintaining healthy cash flow in Haverfordwest became increasingly important to sustain day-to-day trading and future growth.
The Challenge
Like many construction businesses operating in Haverfordwest, the company faced cash flow pressure due to project timelines and staged payments.
While contracts remained strong, working capital was tied up across ongoing jobs. The directors needed a funding solution that would ease immediate pressure without disrupting operations or restricting future borrowing capacity.
They required a straightforward business loan structured to provide flexibility and certainty. Speed of approval and competitive terms were essential to ensure the company could continue delivering projects across Haverfordwest without interruption.
The Solution
After assessing the company’s position and funding objectives, we reviewed suitable commercial finance options from our panel of over 60 lenders.
We secured a £100K business loan at a competitive rate, structured to align with the company’s cash flow cycle. The funding provided an immediate injection of working capital, enabling the contractor to meet supplier commitments and maintain project momentum in Haverfordwest.
As an independent broker, we compared multiple funding routes to ensure the structure supported both current stability and future growth plans. While this transaction focused on unsecured business funding, we also considered alternative solutions such as asset refinance, hire purchase, and leasing where appropriate to ensure the chosen facility was the most suitable option.
Our consultative approach ensured the directors fully understood the repayment structure and how it complemented their broader funding strategy, including potential future requirements for plant and machinery finance.
The Outcome
TWith the £100K facility in place, the Haverfordwest building contractor was able to stabilise cash flow and continue operating without disruption.
The funding allowed the business to move forward confidently, supporting ongoing contracts while positioning the company for expansion across Haverfordwest and the wider region.
By structuring the right business funding solution at the right time, we helped protect supplier relationships, maintain operational continuity, and reinforce financial stability.
Our ongoing relationship means the client can revisit us for future requirements, whether that involves further asset finance, asset refinance, or equipment funding through hire purchase or leasing.
Ready to Make Asset Finance Work for Your Business?
Partner with MacManus Asset Finance Ltd, an independent broker established in 2005, helping UK SMEs access tailored finance solutions. Our friendly, professional, and consultative team works across all industries and can guide you through hire purchase, leasing, and finance lease options. With access to over 60 finance companies and full FCA authorisation, we ensure your business finds the right solution for growth.
