A highly rated plumbing and heating business is based in Surrey. It is known for its commitment to reliability, quality workmanship, and customer service. The business recently sought a funding solution to optimise its day-to-day operations. The company has a reputation for delivering friendly, knowledgeable, and efficient service across a wide range of plumbing and heating needs. As a result, it has become a trusted name for both domestic and commercial clients in the region.
The Opportunity
As the business continued to grow, it faced the challenge of managing outstanding obligations. Meanwhile, it had to maintain the high standards its customers expect. Freeing up working capital became essential to ensure smooth daily operations. This allowed the company to remain agile in a competitive market. The management team recognised that addressing these obligations would enable the business to focus on delivering exceptional service. Additionally, investing in quality materials and supporting its skilled workforce would be possible.
Momenta Finance’s Solution
With the support of Padraig Connellan, an AFS member Commercial Finance Options Ltd, the business was referred to Momenta Finance. Our Sales Director Jeremy Crinall worked closely with Padraig and the client. Together, they structured a tailored unsecured business loan of £100,000 over a 60-month term. This facility provided the flexibility and breathing room needed. It benefited from no exit or early repayment fees. Importantly, it did not require asset security.
The Introducer’s Perspective
“Working with Momenta Finance and Jeremy Crinall was a seamless process. Their understanding of the client’s needs and flexible approach made all the difference, enabling the client to secure the funding required to keep their operations running smoothly and efficiently.”
– Padraig Connellan, AFS member Commercial Finance Options Ltd
Conclusion
This case illustrates how Momenta Finance, in collaboration with experienced brokers, can provide rapid, adaptable funding solutions. These are tailored to the unique needs of local businesses. By unlocking working capital, Surrey’s plumbing and heating specialists are well-equipped. They can continue their tradition of quality, reliability, and outstanding customer service.
About AFS
Asset Finance Solutions, part of the AFS Group, is a multi-award-winning broker network. It is one of the largest in the UK. AFS supports over 140 independent brokerages and places more than £1 billion in business lending every year. Founded in 2005 and headquartered in Blackburn, AFS provides commercial and asset finance expertise. AFS also offers compliance support and access to an extensive panel of more than 90 funders. This enables UK SMEs and finance professionals to secure tailored funding solutions.
Commercial Finance Options Ltd is an independent Asset finance broker not a lender. We can introduce you to a wide range of finance providers depending on your requirements and circumstances. However, we are not independent financial advisors, and so are unable to provide you with independent financial advice.
Commercial Finance Options Ltd will receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Commercial Finance Options Ltd is an appointed representative of AFS Compliance Ltd which is authorised and regulated by the Financial Conduct Authority under number 625035.
Throughout the day, our team enjoyed insightful conversations with both new and familiar faces. It was a pleasure to exchange ideas, discuss the latest trends in commercial finance, and explore potential collaborations. The enthusiasm and expertise of everyone we met truly made the event a highlight in our calendar.
This year, we were proud to introduce several new members of the Momenta Finance team to the prestigious NACFB event alongside our experienced colleagues. Their combined energy and commitment ensured that every visitor to our stand received a warm welcome and a memorable experience.
We are delighted to congratulate Jasmine O’Rourke, the winner of our Pamper or Putt Experience at The Belfry Hotel & Resort. Jasmine will enjoy an overnight stay, breakfast, a three-course dinner, and the choice between a round of golf or a relaxing spa treatment.
We would like to extend our sincere thanks to everyone who visited our stand and engaged with us during the expo. Your interest and enthusiasm are greatly appreciated. Furthermore, we look forward to building on the connections made at this year’s event.
As we reflect on a successful day, we are excited about the opportunities ahead. We are already looking forward to next year’s expo. In the meantime, please enjoy our event highlights and stay connected for more news and updates from Momenta Finance.
Capturing the Experience
Our team worked diligently to capture the spirit of the day, taking numerous photos and videos to document the event. We invite you to explore our post-event gallery and highlights video. They showcase some of the best moments from the expo.
In early 2025, a well-established diamond drilling and concrete cutting business operating nationwide sought rapid funding. They aimed to both refinance existing borrowing and inject fresh capital for growth. With a reputation for professionalism, safety, and high-quality service delivery, the company is a trusted partner for commercial construction projects. It offers diamond drilling, concrete cutting, floor sawing, and robotic demolition services.
The Opportunity
The business identified the need to refinance approximately £70,000 of existing borrowing and secure an additional £55,000 in fresh working capital through rapid funding. This funding would allow the company to optimise its financial structure and invest in new equipment. Additionally, it would further enhance its service offering, all while supporting continued growth in a highly competitive sector.
Momenta Finance’s Solution
Working with Joe Watson, Managing Director at UK Asset Finance as their introducer, the client was introduced to Momenta Finance. An unsecured business loan under the Growth Guarantee Scheme (GGS) was swiftly arranged, with a total facility of £125,000 over a 60-month term. They sought rapid funding, and the offer was sent out on 26th February 2025. Impressively, the funds were in the client’s account just two days later. This rapid turnaround ensured there was no disruption to ongoing operations or planned investments.
The Outcome
With the new funding in place, the business was able to refinance its previous RBS facility on more favourable terms. They accessed fresh capital to support expansion. The additional funds enabled investment in state-of-the-art machinery, further strengthening their position as a premier provider of diamond drilling and concrete cutting services. The rapid funding they received allowed the business to continue to uphold its reputation for professionalism, safety, and efficiency. It delivered outstanding results for clients across the construction industry.
The Introducer’s Perspective
“At UK Asset Finance, we take pride in matching our clients with the right funding partners – and our recent experience with Ronan at Momenta Finance proved exactly why they’re a lender we trust. Thanks to their speed, professionalism, and flexible approach, our client was able to secure the finance they needed without delay.”
– Joe Watson, Managing Director at UK Asset Finance
Conclusion
This case study highlights Momenta Finance’s ability to deliver fast, flexible funding solutions for ambitious businesses in specialist sectors. By working closely with introducers like UK Asset Finance, Momenta ensures that clients receive the support they need to grow, invest, and maintain their competitive edge in the marketplace. Rapid funding solutions can be a vital tool for businesses looking to navigate competitive markets effectively.
About UK Asset Finance
Your trusted partner in navigating the complex world of commercial finance in the United Kingdom. UK Asset Finance has a team of experienced financial experts and a deep understanding of the industry. It is committed to providing tailored financial solutions that help businesses thrive and grow.
Whether you’re a small start-up looking for seed funding or an established company seeking expansion or restructuring, UK Asset Finance are ready to assist you. They help in securing the rapid funding options that best meet your unique requirements.
When Tru-Tension, a rising star in the motorcycle and motorsport maintenance industry, sought funding for expansion, Momenta Finance partnered with Tom from Approved Finance to provide a tailored financial solution. This case study showcases how Momenta’s flexible approach to lending can support innovative businesses in their growth journey.
The Client
Tru-Tension designs, manufactures, and sells a range of high-quality maintenance solutions for motorcycles, bikes, and karts. The company, founded by Chris Frappell, has gained recognition for its innovative, patent-protected products that help enthusiasts achieve precise chain and belt tension. Tru-Tension’s potential was recognised nationally when Chris Frappell appeared on the BBC’s Dragons’ Den in 2018. The company secured investment from Touker Suleyman, highlighting the unique value proposition of their products.
The Opportunity
Tru-Tension was poised for significant growth by establishing a strong brand presence and a loyal customer base. To capitalise on this momentum and take their business to the next level, they identified the need for additional capital to fuel their expansion plans, maintain healthy stock levels, and ensure seamless business continuity. This presented a fantastic opportunity for Tru-Tension to solidify its position as a leading provider of innovative motorcycle maintenance solutions.
Momenta Finance’s Solution
After careful consideration of Tru-Tension’s business model and growth potential, Momenta Finance provided a tailored unsecured business loan with the following terms:
- Loan Amount: £100,000
- Loan Term: 60 months
- Loan Type: Unsecured Business Loan
- Key Feature: No exit or early repayment fees
The Outcome
With the funding from Momenta Finance, Tru-Tension was able to increase its inventory, ensuring product availability to meet growing demand and strengthening its customer satisfaction. Furthermore, they were able to invest in research and development, potentially leading to new innovative products that would further solidify their market leadership.
The loan also allowed them to expand their market reach, both domestically and internationally, growing their brand presence and sales volume. Finally, they strengthened their supply chain to maintain their commitment to quality and affordability, ensuring they continue to deliver exceptional value to their customers.
The loan has positioned Tru-Tension to capitalise on its success and patent-protected designs, setting the stage for significant growth in the competitive maintenance market.
The Introducer’s Perspective
“Working with Momenta Finance and Tom Shave was a seamless experience from start to finish. Their proactive approach, clear communication, and genuine understanding of Tru-Tension’s growth ambitions made all the difference. The flexibility of their unsecured loan product, especially with no early repayment fees, provided our client with the confidence and freedom to pursue their expansion plans. I wouldn’t hesitate to recommend Momenta to any business looking for a supportive and forward-thinking lending partner.”
– Tom Sudds, Approved Finance
Conclusion
This case study demonstrates Momenta Finance’s ability to recognise and support innovative businesses with high growth potential. By providing flexible, unsecured funding to Tru-Tension, Momenta has not only facilitated the company’s expansion but also contributed to the broader ecosystem of British entrepreneurship and innovation in the motorsport industry.
The success of this deal showcases Momenta Finance’s commitment to understanding unique business models and tailoring financial solutions that align with a company’s growth trajectory and market potential.
About Approved Finance
Since its inception in 2019, Approved Finance Group is one of the fastest-growing and market leading finance brokerages in the UK with over 40+ years of experience within the business finance arena. Our mission is to revolutionise the way business owners experience finance. Unlike traditional high street banks and lenders, Approved understands that business owners need faster finance solutions – so you can make decisions quickly and efficiently allowing you to seize opportunities for growth.
Product Overview
With borrowing amounts ranging from £350,000 to £500,000 and repayment terms spanning from 6 to 72 months, this unsecured loan provides businesses with the financial freedom to invest in a variety of areas. Whether you’re looking to refinance existing debt, expand your operations, purchase property or machinery, invest in marketing, or manage day-to-day working capital, our loan is tailored to meet diverse business needs.
One of the standout features of this loan is the absence of early or over-repayment fees, giving businesses the flexibility to manage repayments on their own terms. To ensure responsible lending, a personal guarantee from at least two homeowners is required. Additionally, we offer convenient payment options, including direct debit, bank transfer, debit card, or PayPal, making it easier for businesses to stay on top of their repayments.
Applying for the loan is straightforward and designed to be hassle-free. Our online application process does not impact your credit score, and we aim to provide quick decisions so you can access funds promptly and take advantage of growth opportunities without delay.
At Momenta Finance, we are committed to providing transparent, accessible, and responsible lending solutions that help UK businesses thrive. Our Enhanced Unsecured Business Loan is a testament to this commitment, offering the financial support SMEs need to seize new opportunities and overcome challenges without risking their valuable assets.
If you’re ready to explore how this loan can support your business ambitions, we invite you to apply online or get in touch with our team for more information. Call us on 0800 848 8480 or email broker@momentafinance.co.uk.
Empower your business with the financial flexibility it deserves – choose Momenta Finance’s Enhanced Unsecured Business Loan.
About Momenta Finance
Momenta Finance, formerly Merchant Money, is a leading provider of alternative finance solutions headquartered in London, United Kingdom. Established in 2013, Momenta offers a suite of lending options, including unsecured and secured business finance, bridging and cash advances. The company’s commitment to transparency, tailored and credible funding has made it a trusted partner for businesses seeking financial support. Momenta Finance is accredited by the British Business Bank.
