How a Growing Construction Business Secured £390,000 in Working Capital

Funding needs do not always arrive all at once. For Assil Shareef, the relationship with Funding Source developed across two separate funding requirements, at two different stages of a growing construction business.

This case study sets out what happened at each stage, what information the later case needed, and where the decision actually sat. It is one customer's journey, not a template.

At a glance

• Sector: construction

• Purpose: working capital, to help fulfil secured contracts and support expansion

• Earlier stage: a £50,000 facility, used and repaid within approximately three months

• Later stage: one £390,000 working-capital facility, completed and disbursed on 11 September 2026

• Case preparation: detailed documentation and a cash-flow forecast

• Who decided: the finance provider, following its own assessment and its own criteria

• Funding Source's role: commercial finance broker — introduction, preparation support and direct communication

The business need

Funding Source had supported the business before its latest requirement. The customer builds and delivers construction contracts, and like most contracting businesses, the cash requirement moves with the work that has been won rather than with the calendar.

When the later requirement arose, the business had secured further contracts and needed working capital to help fulfil them and support continued expansion. That is a different job from bridging a short gap, and it is why the later case was presented differently. If you are weighing up which structure fits a particular job, our how it works page explains the sequence, and business loans, a revolving credit facility and invoice finance are the routes most often discussed with contracting businesses.

An earlier funding stage

At the earlier stage, the customer pursued a smaller £50,000 facility rather than a larger amount.

That facility was repaid and closed within approximately three months. It was not refinanced into the later £390,000 facility. The two were separate arrangements, entered into at different points in the business's development.

The earlier facility forms part of the customer's funding history. It should not be read as the reason the later application progressed. A finance provider assessing the later case applied its own criteria to the business as it stood at that point.

Why the business returned

When the business came back, the circumstances had changed. It had built more trading history and secured further contracts, and the working-capital requirement was correspondingly larger.

The purpose was specific: fund the work that had already been won, and support the expansion that came with it. A larger requirement generally invites a closer look from a provider, which is what shaped the preparation described next.

How the later case was prepared

The later case required detailed documentation and a clearer view of the business's forward cash position.

A cash-flow forecast formed part of the supporting information used to explain that forward position. A forecast does not commit a provider to anything and does not cause a decision — it explains what the business expects, so that the provider is assessing a complete picture rather than an incomplete one.

Alongside the forecast, the case involved the kind of material most providers ask commercial applicants to supply: trading history, evidence of contracted work, and an explanation of what the funding was for. Our eligibility check sets out the information a UK limited company is typically asked for, and the repayment calculator is there for businesses modelling what a facility might cost before they enquire.

Where Funding Source fits

Ismail Qadri remained closely involved throughout the process. He communicated directly, stayed available as questions arose, and helped the customer understand what information was needed to present the case clearly.

That is the boundary of the role, and it is worth being precise about it. Funding Source is a UK commercial finance broker. It does not lend, it does not underwrite, it does not run credit searches across providers, and it does not approve anything. What it does is explain possible routes, help a business assemble and present its case, introduce that case to a provider, and stay reachable while the provider works through it.

The provider made the finance decision

For the later requirement, the finance provider carried out its own assessment and applied its own criteria.

One £390,000 working-capital facility completed and was disbursed on 11 September 2026.

That completion is the confirmed financial outcome of this case. It does not establish what another business might receive, how quickly another application might progress, or what terms another provider might offer. Availability, pricing, security and any personal guarantee requirement are matters for the provider and depend on the circumstances of each business.

What the customer said

Assil published a five-star review on Trustpilot. He described the level of dedication and support as exceptional, and highlighted persistence, personal attention, communication and ownership of the process.

"He doesn't simply introduce you to a lender and disappear; he follows the process closely, communicates constantly, finds solutions when challenges arise and genuinely cares about achieving the best possible outcome for his clients."

Assil Shareef — customer review published on Trustpilot

We have not edited the substance of that review, and we would rather you checked it yourself than took our word for it: read Funding Source's reviews on Trustpilot. Trustpilot verifies that a reviewer posted a review. It does not verify the transaction facts described on this page — those come from Funding Source's own case records.

What this case illustrates

This is one customer's funding journey, not a template for every business.

For this customer, the two facilities belonged to different stages. The earlier £50,000 facility was used and repaid. Later, the business returned with more trading history, secured contracts and a larger requirement that could be presented with more detailed documentation and a clearer forward cash-flow picture.

The sequence matters because it keeps the story accurate. The first facility did not automatically create the second. The cash-flow forecast did not cause the decision. Funding Source did not make the decision. The provider remained responsible for its own assessment throughout.

The longer-term impact of the £390,000 facility is not yet known. The facility completed on 11 September 2026, so this case does not claim subsequent revenue growth, profit improvement, job creation or any other realised business outcome.

The conclusion is deliberately narrow: a construction business with secured contracts returned to Funding Source at a later stage of its development, worked through a more detailed funding case with close human support, and completed one £390,000 working-capital facility following the provider's own assessment and decision.

Questions about this case

Important qualification

Finance availability, pricing, checks and terms depend on the finance provider and on the circumstances of each business. One customer's result should not be read as a typical amount, an approval indication, or a prediction of another applicant's outcome.

Funding Source is a UK commercial finance broker, not a lender. The finance provider makes the finance decision. Making an enquiry does not oblige you to proceed.

Talk through your business funding requirement. Tell us what the business needs to do and what it can evidence, and we will explain the possible routes and what a provider is likely to ask for. Start a conversation, or browse more case studies.