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loanLoan
Capital at risk
36
Months
14.0%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

With over 22 years of expertise working with carefully selected brands in the B2B and B2C skincare and beauty sector, Australian Bodycare UK Ltd is a leader in brand development and management, sales, marketing, and distribution. They are environmentally conscious, and some of their partners have even received awards recognising their green practices. Their focus is on the key ingredient of Australian Tea Tree Oil.

Together, we make the world a more beautiful place.

Australian Bodycare UK Ltd was founded as a forward-thinking and environmentally conscious skincare and beauty brand, bringing the secrets of Tea Tree Oil to the masses. I took over the business with my business partner in 2019, with a plan for change and growth. This plan was disrupted by the onset of the COVID pandemic, but Australian Bodycare pulled through. We did our best to support our partners during this time, as we were all in it together. Though we came out of the pandemic a little leaner, we learned and adapted, and are still enjoying plenty of success today. We took those lessons and kept sprinting ahead, and Australian Bodycare UK is still a leading skincare and beauty brand.

What makes us stand out from our competitors? We treat every partner as if it’s our own. Whether the brand is big or small, we are glad to have it as part of the Australian Bodycare family. Our partners vary in their business, with some being additional retailers and others being businesses that use ABC products. No matter what they are, we cherish them all the same. Another of our stand-out features is our focus on Australian Tea Tree Oil. We firmly believe it is the secret to healthy, glowing skin. The Australian Aboriginals understand the power of Tea Tree Oil, and it is our pleasure to introduce it to the rest of the world.

We focus on brands that care and protect the environment. We don’t do this just because it is trendy, we do it because it forms part of the brand's DNA. We were thrilled that Phytomer UK, one of our top partners, was awarded the Ocean-friendly brand WINNER at the Marie Claire Sustainability Awards, Beauty & Wellness as voted for by Marie Claire UK Sustainability Award judges for 2023. Moreover, we have partnered with Cool Earth to assist them with the conservation of 241,000 hectares of rainforest. We are lucky enough to enjoy over 11,000 5-star reviews on Trustpilot! We are thrilled to bring you this opportunity to invest.

Credit Commentary:
The directors Kevin Gambrill and Fiona Peerless are providing a personal guarantee, which means should the business fail, and there are insufficient assets within the business to repay the loan, we can look to the guarantor(s) to repay any shortfall on repayment. Both directors show outstanding credit profiles. Looking at the May 2023 draft accounts, the company’s Debt Servicing Capacity shows the business is generating enough cash to repay the principal and interest on new commitments. By efficiently managing its COGS (cost of goods sold) the company has improved gross margins by 6.11% between 2022 and 2023.

Inflation risk:
The business advised that they have not been affected by higher input costs yet. As most of the lending to the business is at a fixed rate, they will is not affected by the current interest rates. Despite increasing living costs, the directors do not expect to withdraw money from the business as all capital is vital for the expansion of the business.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Tranche (2 of 2)
£ 9k
Raised
£ 9k
Investors
35
Est close date
Funded 5 months ago in 3 days

Where will the funds go?

Working capital
£108,696

Key people

Kevin Michael Gambrill
Director
Fiona Mcmillan Peerless
Director

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Business brand

Tunbridge Wells, UK

"Together, we make the world a more beautiful place."

Incorporated
35 years, 3 months
Credit risk indicator

Risk warning

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.