A growing recycling company based in South Wales approached MacManus Asset Finance to review its existing funding arrangements. Operating in a fast-moving sector where material volumes and customer demand can fluctuate, the business required flexible business funding to support ongoing operations.
Like many recycling firms in South Wales, the company supplied services to commercial customers on standard credit terms. This created a gap between completing work and receiving payment, placing pressure on day-to-day cash flow.
The directors wanted a more responsive invoice finance facility that aligned with their growth plans in South Wales and provided greater flexibility than their current arrangement.
The Challenge
The primary challenge was cash flow timing.
With customer payment terms ranging from 30 to 90 days, significant working capital was tied up in unpaid invoices. This restricted the company’s ability to reinvest in operations, manage supplier commitments, and confidently pursue new contracts across South Wales.
The business needed a specialist funder that understood the recycling sector and could structure a competitive invoice finance solution without disrupting client relationships.
They also required clarity around terms, service levels, and long-term scalability — ensuring the facility could grow alongside the business.
The Solution
MacManus Asset Finance conducted a full review of the company’s existing funding structure and funding objectives.
Using our network of specialist commercial finance lenders, we introduced the client to a well-established provider with strong experience in the recycling and environmental services sector. The chosen lender recognised the company’s growth trajectory in South Wales and structured an invoice finance facility tailored to its turnover profile.
The facility enabled the business to convert unpaid invoices into immediate working capital, improving liquidity without taking on traditional term debt.
As an independent broker, we ensured the funding structure was competitive, transparent, and scalable. While invoice finance was the primary solution, we also advised on how complementary products such as asset finance, asset refinance, and plant and machinery finance could support future expansion if required.
The process was managed end-to-end, from initial review through to lender introduction and completion, ensuring minimal disruption to trading activities.
The Outcome
With the new invoice finance facility in place, the recycling company unlocked working capital tied up in outstanding invoices.
This provided improved cash flow visibility and greater financial flexibility to manage operational costs, supplier payments, and contract growth across South Wales.
The business now benefits from a funding structure aligned with its sales ledger, allowing it to scale without waiting for customer payments. By leveraging specialist commercial finance, the directors gained a more proactive funding partner and a facility designed to support long-term expansion.
Invoice finance remains a powerful tool for businesses seeking to release capital without additional borrowing. For companies in sectors with extended payment terms, it can provide a sustainable route to improved cash flow and stability.
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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.
