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When Ryan, the founder of a sustainable building business, faced barriers to accessing the finance he needed, a referral led him to Millbrook — and the beginning of a partnership built on trust, shared ambition, and sustainable growth.
Client Background
Eco‑Friendly Building Specialist Meeting Rising UK Demand
A sustainable building company, led by founder Ryan, specialises in holistic damp treatment and traditional lime plastering. Established to champion sustainable building practices, the business prides itself on using entirely eco-friendly, organic materials—even down to their tools.
With a surge in demand for damp solutions—affecting an estimated 1.2 million UK homes in the past two years—the company offers a modern, conscientious alternative to conventional repair methods. The team has built a loyal client base through their professional, responsive approach, supporting both residential and commercial property owners across the country.
The Challenges
Strict Mainstream Lending Criteria Restricting Funding
As a growing business still within its first three years of trading, it faced a familiar hurdle when seeking finance through traditional channels. Ryan attempted to secure funding for a Land Rover Defender 110 Hardtop—a critical asset to support on-site work—but was declined due to the company’s limited trading history. For many mainstream lenders, businesses under three years old are considered too high-risk, even if they show strong growth and potential.
The Solution
Tailored HP and Business Loan To Unlock Business Growth
After being referred by a client who had previously worked with Millbrook Business Finance, Ryan was introduced to Sarah Moseley, our expert in commercial vehicle finance. From the start, it was clear this partnership would be built on mutual trust, shared ambition, and long-term vision.
Our first piece of support came in the form of a Hire Purchase agreement for the new Defender, allowing Ryan to secure the essential vehicle while keeping cash flow healthy. Soon after, we helped fund a second director’s vehicle—a Range Rover Sport—through the same flexible HP solution.
With momentum building, Ryan returned to Millbrook for support with a £150,000 business loan. This injection of working capital enabled the business to confidently take on larger restoration projects and expand its operations in new areas.
What started as vehicle funding evolved into a close, strategic relationship between Millbrook Business Finance and Ryan's business. Sarah maintained regular communication, offering fast, transparent support and financial solutions designed around Ryan’s goals—not just lender requirements.
To date, Millbrook Business Finance has proudly arranged £517,000 in funding, broken down as:
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£195,000 for commercial and director vehicles (via Hire Purchase)
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£322,000 in working capital and project funding (via unsecured business loans)
The Results
Driving Growth and Operational Freedom
The funding secured through Millbrook Business Finance has directly supported the growth and operational flexibility for Ryan's business. With the new vehicles, the team can now:
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Attend multiple client sites across the UK without relying on external hire
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Enhance the business’s image with branded, professional-grade vehicles
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Improve service efficiency and response times
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Take on more large-scale projects without the worry of cash flow strain
In addition, the working capital loan gave Ryan the breathing room and confidence to commit to further hires, invest in specialist equipment, and scale his environmentally focused services.
Summary
Tailored Support From a Business Finance Specialist
Through our tailored finance solutions, Millbrook Business Finance empowered the business to keep moving forward—literally and strategically. From overcoming the barriers of limited trading history to enabling sustainable growth, this is a partnership built on understanding, experience, and shared ambition.
Looking to grow your business but facing funding challenges?
At Millbrook Business Finance, we work closely with UK business owners to find the right funding solution for their commercial needs. Whether you're expanding your fleet or your business, we offer:
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Access to 100+ business lenders
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A choice of finance structures tailored to your needs
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Expert support from business finance specialists
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Quick decisions and flexible terms
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A simple, transparent process
If you require further information or assistance in selecting the best funding option for your business, feel free to reach out to our team at Millbrook Business Finance. We're here to support your journey toward purchasing your next commercial vehicle. Check out our Complete Guide to Business Finance for further information.
Interested to see how much you could borrow? Check your eligibility now to understand your borrowing power.
