Enness recently supported an Independent Financial Advisor (IFA) in transitioning to full business ownership. The client, aiming to gain independence from their network, required tailored financing solutions to cover the costs of acquiring equity shareholding, operational expenses, and client retention initiatives.
This strategic move presented two key financial challenges:
- Buy-Out Financing: Securing funding to purchase the network’s shareholding while minimising disruption to cash flow.
- Transition Costs: Managing expenses for client retention, staffing, and technology upgrades to ensure smooth business operations during the transition.
Enness designed a bespoke financing package that addressed these needs with:
- Unsecured Term Loan: A flexible loan of circa £2m to fund the equity buyout, structured to align with the client’s cash flow and provide manageable repayment terms.
- Transition Financing: Immediate working capital to cover operational costs, with the option for early repayment to reduce the loan term.
This tailored solution empowered the client to achieve full business ownership, maintain financial stability, and focus on growth and client retention. By leveraging Enness’ extensive network of lenders, including banks and alternative finance providers, we secured competitive terms that supported the client’s short-term needs and long-term goals.
At Enness, we specialise in bespoke financing for professional firms and businesses undergoing strategic transitions. Whether you’re acquiring a business, funding growth, or managing operational costs, our expertise can help you access the right funding solutions.
Get in touch to explore how we can support your financial goals with flexible, tailored lending options.
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