Case Study: Garage
Wayne Whitehouse - Woodside Park Garage, Surrey

When Surrey businessman, Wayne Whitehouse, was looking to purchase new equipment for his vehicle repair and service centre he turned to United Kapital for maintenance.

After trading for over eight years, Wayne looked into the obvious and was thinking of a bank loan when he spoke to a friend about his business aspirations they recommended United Kapitals Cash advance programme as an alternative to the bank loan..

After carrying out some research into the unique source of funding offered by United Kapital, Wayne decided the concept was right for him and took out an advance a decision he credits with increasing the profits of his business.

Wayne says. "I needed the additional working capital to purchase new equipment which in turn would improve the service I can provide to my customers. The United Kapital cash advance is a great idea. The application was really straightforward and the repayments were tailored to my business activity making it an affordable option for my business.

Wayne adds: "With banks reluctant to lend to small businesses in the current economic climate United Kapital’s cash advance is a much needed source of funding.

"With a flexible and simple repayment process, combined with an excellent service from United Kapital, I would without doubt recommend United Kapital’s cash advance to family, friends and other SMEs. It has transformed my business for the better."

Case Study: Hairdressers
Jennifer Allen, Cutting Crew

Like most new businesses, Jennifer faced the ongoing dilemma of trying to manage cash flow, whilst supporting her team of eight stylists. The solution to her situation literally landed at her feet when a piece of direct mail from United Kapital arrived at her salon.

Promoting United Kapitals Merchant Cash Advance, the information detailed the benefits of the unique product, which is specifically aimed at small businesses, such as Cutting Crew.

Immediately impressed by the flexible nature of the advance, combined with the fact that repayments follow the business' performance, Jennifer was delighted she could access working capital without the worry of expensive fixed monthly payments or high interest charges.

Jennifer says: "Setting up my own business in the middle of a recession was a risk, but I was determined to succeed. With a need for working capital, and with banks not lending to small businesses, I was delighted to read about United Kapital's cash advance.

"The product itself really appealed to me, particularly the repayment plan which is flexible and easy to manage. The advance has helped boost my cash flow, allowing me to pay bills and continue to develop the salon."

Business is booming for Cutting Crew which Jennifer partly attributes to United Kapital's cash advance. With exciting plans for the future, Jennifer is confident she will renew the advance.

Convinced United Kapital's cash advance is essential for independent retailers across the UK, Jennifer concludes: "The cash advance has transformed my business and I firmly believe that all small businesses would benefit greatly from the product.

"The service I received from United Kapital was exceptional, and as such, I would recommend United Kapital's cash advance without hesitation."

Case Study: Florist
Kathy Calderwood– Sanpado Florists, Scotland

When Kathy Calderwood and her business partner Sandra Andrews were looking to develop their chain of florists, they found money wasn't growing on trees.

Looking to expand their business with new specialist stock, the duo approached the bank looking for working capital. Like many small businesses they were unable to secure money from the bank which led them to research alternative sources of business funding.

After reading about United Kapitals merchant cash advance, Kathy made contact for further information and immediately applied for a cash advance.

Kathy was thrilled that her application was accepted and within 10 days the money was in her business bank account.

"I was attracted to United Kapital's merchant cash advance as it was a true alternative to the bank loan. They were able to release the funds quickly, which meant I could get started on the development plans for the two florists straight away. We were able to improve our in store range of flowers and products, creating extra services for consumers which has, in turn, had a positive effect on the business.

"The benefit of the cash advance is its hassle free repayment process. As the money is debited straight from the card terminal I don't have to think about finding a lump sum at the end of each month. The repayments are automatically deducted from each credit and debit card transaction which falls in line with the performance of the businesses."

Delighted with the service United Kapital provided, Kathy concludes: "United Kapital's cash advance is an extremely good product and the staff are extremely helpful. We had a pleasant, professional experience with them.

"Their innovative approach to lending money to small businesses like mine, and others that struggle to secure working capital from banks, is refreshing to see.

"I am thrilled with the cash advance and its impact on my business. It's safe to say business is now blooming for Sanpado Florists."

Case Study: Restaurant
Clive Szczepanek– The Bridge Inn, Shrewsbury

Since becoming the landlord of the Bridge Inn nearly 10 years ago Clive was looking to make improvements to his Shrewsbury restaurant. He required working capital to put his creative plans into action.

Clive received a mailer a few months prior from United Kapital. Although he wasn't looking for finance at the time he decided to keep hold of the letter. This letter turned out to be his 'Ace' card; when he did need finance he called United Kapital and was successful in his application. With flexible repayment terms, United Kapital's cash advance for business programme has transformed the way Clive runs his restaurant.

Clive says: "As a small business owner, particularly in the catering industry working capital that is readily available and accessible is crucial to our success, and with banks cutting back their SME funding, United Kapital's cash advance programme was the perfect solution.

"United Kapital really appealed to me. The application was so straightforward and United Kapital's cash advance has not only kept my business going through the recession, but it has also strengthened it. I have been able to develop the restaurant by making improvements to the building and cash flow. The repayments are all automatic which makes it hassles free, I didn't realize how quickly I had paid it off."