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.
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.
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.
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.
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.
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:
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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