Inspired Lending provides £260,000 revolving credit facility to support Oxfordshire business cashflow

20 August 2026

Inspired Lending has completed a £260,000 revolving credit facility for an IT consulting business in Banbury, Oxfordshire, helping the company access flexible working capital whilst significantly reducing its cost of borrowing.

The business had regular but unpredictable liquidity requirements, which had previously been met through unsecured company borrowing at comparatively high rates of interest.

Inspired Lending structured a 24-month revolving credit facility secured by a 3rd party second charge over the shareholder’s residential property, providing the flexibility to draw down and repay funds as required throughout the term of the loan.

The structure allowed the business to access liquidity only when needed, reducing financing costs whilst avoiding the need to arrange new borrowing each time additional funds were required.

The repayment strategy was based primarily on cashflow generated by the consulting business during the loan term. As an additional layer of security, the shareholders also demonstrated their ability to refinance the property should this become necessary.

Inspired Lending’s privately funded model enabled the lender to assess the overall strength of the transaction, focusing on the borrower’s wider financial position and the practical needs of the business rather than applying a standard lending solution.

Gavin Diamond, CEO of Inspired Lending, said:

“Businesses don’t always need more debt. Quite often, they need better access to it. For companies with uneven cashflow, there is little sense in paying interest on money that may sit unused for months at a time or raising expensive short-term money at the last minute.

“A revolving facility gives borrowers the freedom to match funding to the way their business actually operates. That can reduce costs, improve financial control and remove the pressure to arrange new finance every time working capital requirements change. It’s a good example of how specialist lending can solve commercial problems that traditional funding structures can’t always accommodate.”

For more information, visit: https://inspiredlending.co.uk