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Staysafe PPE
Established in 2016, Staysafe PPE Ltd specialises in recycling and reconditioning personal protective equipment (PPE), particularly gloves and high-visibility workwear, helping businesses reduce waste and support sustainability. Based in Shropshire, the company has developed a circular economy approach through its “Wash PPE – Re-use – Repeat” service, which is now recognised as the UK’s leading recycling-to-re-use PPE solution. Traditionally, PPE items were treated as singl
Elite Aluminium
Established in 2009, Elite Aluminium Fabrications has rapidly grown into a market leader in the supply of high-quality architectural flashings and fabricated products for the construction, cladding and façades sector. Elite delivers a comprehensive range of solutions, from standard drip and cill flashings to bespoke coping systems, fascias, soffits, rainscreen panels and curved fabrications. Working with aluminium, stainless steel and mild steel, Elite’s skilled team provi
Esprit Midland Ltd
Supporting Growth Through Investment in Advanced Manufacturing Established in 1996, Esprit Midland Ltd is a leading joinery manufacturer delivering high-quality bespoke solutions across the UK, Ireland and Europe. Based in West Bromwich, the business operates with its own warehouse, manufacturing facilities and tailored transport network. Central has supported Esprit through several significant grant applications for new plant and equipment. The six-figure investment has
Commercial Property Development Funding Solution
Client Overview Our client owns a substantial commercial property site and associated land, which is held within a pension company structure. The existing property portfolio had a strong asset base, with the site independently valued at approximately £22 million. The client identified an opportunity to maximise the potential of the site by undertaking further development and constructing three new commercial properties to enhance the value and future income potential of the
Portfolio Landlord Renovation Funding
A property investor approached Central Finance after identifying an opportunity to improve the value and rental performance of an existing buy-to-let property. The property was valued at £250,000, and the client wanted to release funds to complete a programme of renovations designed to make the property more attractive to tenants and increase the monthly rental income. Central Finance worked with the client to understand the property, the proposed works and the expected ren
Expanding a Buy-to-Let Portfolio
An existing client of Central Finance successfully exited a technology business and was keen to reinvest the proceeds into property as part of a long‑term wealth and income strategy. Following the sale, the client purchased a number of properties outright and also invested capital into a development site. As the client continued to build their buy‑to‑let portfolio, they approached Central Finance for support in funding additional acquisitions, while keeping the wider portfo
Funding Portfolio Growth
A new client approached us as an experienced property investor with an established buy-to-let portfolio and an existing retail unit in the Midlands. Having successfully operated one retail property, the client identified an opportunity to acquire a further retail unit for £600K+ to complement the existing asset and strengthen the overall portfolio. Despite a strong track record and clear investment rationale, the client’s own bank declined the application. The key challenge
Saving £50,000 on Commercial Finance
An existing client approached Central Finance looking to purchase the building their business was already trading from. Securing the property was a key strategic step, giving the business greater long-term stability and control over its operating premises while also turning a rental commitment into a valuable owner-occupied asset. The transaction required a commercial mortgage of just under £1.5 million. While the client had already received an offer from their own bank, th
Langley Business Systems
Langley Business Systems (Retail) Limited is a well-established & ambitious business supplying integrated EPoS Solutions, with a strong reputation for quality products and customer service. As the business continued to grow, the directors identified a clear opportunity to further strengthen their operations and future-proof the company. Central Finance worked closely with the directors to fully understand both the operational needs and long-term ambitions of the business. T
Supporting a First-Time Business Acquisition
One of our trusted introducers connected us with a highly experienced executive in the waste sector. Having operated at Director level within a blue-chip organisation for over 15 years, the client was now looking to take the next step by acquiring their first business. The client presented a strong business plan and identified a well-established target company with a solid track record. To support the acquisition, funding was required to facilitate the purchase. After rev
Engineering Company - Refinance
A long-standing client approached us seeking support to help move his business forward. After taking the time to fully understand his challenges and growth ambitions, we identified the right solution to meet his needs. The client required additional funding to expand operations and take advantage of an opportunity to acquire machinery from a distressed business at a highly attractive price. After reviewing the company’s fixed asset base, we structured an asset refinance s
Construction – Equipment refinance
Supporting a 65-Year-Old Business with Fast Asset Refinance We were introduced to a well-established Construction business with over 65 years of trading history that required access to additional working capital. The funding was needed partly to refinance existing debt and partly to support growth, particularly to hire additional labour for upcoming contracts. Following a detailed review of the business and its financial position, we identified a suitable asset refinance
EV Chargers
As part of a client’s fleet electrification programme, we structured a comprehensive funding solution to support both the transition to electric vehicles and the required infrastructure. This included financing the installation of five rapid charging units at the client’s head office, ensuring the business had reliable, high-speed charging capabilities to support daily operations. By integrating the charging infrastructure into the overall funding package, we removed the ne
Energy efficient LED, Airconditioning and heating system
In addition to solar installations, we can source funding for a wide range of energy-efficient upgrades that help reduce both operating costs and carbon footprint. For one client, this included a full upgrade of the factory’s lighting system to energy-efficient LED units, alongside improvements to their air conditioning and heating systems. The combined energy savings from these enhancements significantly reduced overall energy consumption, delivering a payback period of appr
Solar Panel Finance
A long-standing agricultural client with multiple operating sites required a phased installation approach. We secured a credit line on their behalf and took full responsibility for managing the installations, including coordinating payments to the supplier. This streamlined process saved the client significant time and administrative effort, enabling them to remain focused on running their business effectively.
Refinance
Our vehicle refinance solutions can be used for a wide range of purposes, offering flexibility when you need it most. If you have a vehicle nearing the end of its finance term and would like to refinance the final balloon payment, we can provide a tailored solution to suit your needs. We’ve also helped clients unlock capital from vehicles they already own. By refinancing existing assets, they’ve been able to generate funds quickly and efficiently. For example, one client
Managing Fleet of Cars
Managing a fleet of vehicles can be time-consuming and complex, particularly when sourcing from multiple dealerships with varying delivery timelines. Our long-standing client, M & S Metals, needed to replace several vehicles over a 12-month period, each sourced from different garages. They required a solution that would provide flexibility while minimising administrative burden. We arranged a tailored credit line, giving them the freedom to source vehicles from any dealer
Supercar Finance
A long-standing client approached us with a curated list of vehicles they wanted to add to their collection. Throughout this journey, they also required the flexibility to sell certain assets at the right time to maximise returns. Our dedicated one-to-one service, combined with access to a flexible panel of lenders, ensured we could secure the most suitable deals—consistently at rates more competitive than traditional dealer finance. Vehicles funded include the McLaren 67
Purchasing Used Equipment
Long standing client approached us with what they thought was an impossible request, after being told no by a few banks. We were surprised as we often finance used equipment and vehicles when supplied by dealer/ suppliers. He was looking at purchasing used Machinery from another trading company, with most lenders a no go. We listened to the client, why they wanted the machine, what it was worth, how it would transform the business. After doing some initial work, the machi
IT Expenditure - Software
A long standing manufacturing client knew he could finance laptops and tablets but when we asked about other plans, he mentioned a new ERP software system that was costing over £130,000. The benefits of the system were huge, but funding from cashflow was a challenge. Much to the customer surprise, we obtained a 3 year Asset finance facility for the expenditure. He couldn’t believe it at first, but explained that we have specialist lenders on our panel who understand the imp
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