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Funding Growth for a High-Impact Consultancy

Background

A client delivering consultancy services to third sector and public sector organisations approached Spark to explore new funding opportunities. Their work focuses on enabling measurable, positive social change; with growing demand for their services, they were seeking £150K–£200K to scale up operations and invest in delivery capacity.

Although the business already had an active loan with another lender, the directors were keen to review alternative funding options that could offer better terms or greater flexibility.

The Challenge

One challenge was that the company’s directors were not UK homeowners, their properties were based overseas. This limited access to some secured finance options and traditional lenders. To strengthen the application, the client arranged for a guarantor to support the facility.

Even with this added complexity, Spark’s team remained confident in the business’s underlying strength and future prospects.

Our Approach

Spark undertook a full review of the client’s financials, trading history, and social impact profile. The business had a strong track record, healthy margins, and growing partnerships within the public and third sectors.

After engaging with several lenders, one stood out, not only willing to support the business, but offering more than double the original request based on the company's performance and potential. The lender approved an unsecured loan of £435,000.

Outcome

The client was delighted to secure a funding facility of £435,000, far beyond the initial £150–200K goal. This new capital allows the consultancy to invest confidently in growth, improve internal capacity, and scale their delivery of meaningful, measurable social outcomes across the UK.

This case showcases Spark’s ability to structure solutions even with non-standard profiles, unlocking significant funding through unsecured lending backed by business strength and strategic guarantees.

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Need Flexible Funding to Scale Your Social Impact?

Spark helps purpose-driven consultancies and social enterprises find the right funding, tailored to your mission and goals. Whether you're growing contracts in the public or third sector, or expanding your delivery model, we can help you access unsecured loans, asset finance, and more. Contact our team.

What is an Unsecured Business Loan?

An unsecured loan allows businesses to borrow without offering physical assets as collateral. Lenders assess applications based on the company’s financial performance, creditworthiness, and business plan. These loans offer:

  • Faster access to funds
  • No need for property or asset security
  • Flexible use of capital
  • Support for growing or service-led businesses
Jamie Davies
Managing Director

As a founder of multiple businesses, Jamie believes that mindset, discipline and ambition are key drivers for success, both for his businesses and for his clients. 

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Disclaimer: Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).