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Capital at risk
Capital at risk
Director guaranteed
You make
Minimum investment is £100
Total return
Monthly repayments

A transport business in Central Scotland, CBL Transport manages the logistics for general hauling, container hauling, RORO trailers, and refrigerated goods, serving clients in the EU and the UK. They're a female led, family-run business with decades of experience. Renowned for their quick turnarounds, effectiveness, and professionalism. They are currently seeking funds for working capital and expansion.

Professional, proficient and hassle free logistics service provider.

After several years of driving myself, I noticed there weren't many females in the logistics industry and was driven to build a company. Along with my husband, a driver, we had established a network in the industry that served as a strong foundation for the business and allowed us to expand over the years. We’re recognised for our efficiency and professionalism. CBL Transport works with a range of clients, some of whom are contracted and some ad hoc. They include beverage industry clients, distilleries in Scotland and England, supermarkets, ADR, and high-value item customers.

There are not many female owned logistics businesses which is our USP. Given my history in the industry, my knowledge and experience has helped lead us to to the success we've found thus far. Our incredible team has also resulted in the companies growth year-on-year. Our drivers receive frequent training to guarantee that our high standards are upheld. We have years of expertise running refrigerated trailers and understand the need of delivering temperature-sensitive items in perfect condition. We are proud to have built a reputation for fast, secure and efficient deliveries.

Thanks to our hard work and dedication as a team we are now in a stage of further expansion. We plan to increase our fleet as we have the work available to facilitate this and to acquire land. This will allow us to store loaded containers as this is in demand throughout the industry. The tariff for quayside rent for containers has increased and our customers are seeking alternative solutions. We are delighted to bring you the opportunity to invest during this phase of expansion.

Credit commentary:
The director is providing a personal guarantee, this means that if the business fails the director become personally liable for the loan. The director is not a homeowner. There have been no CCJs for the business or director. In 2022, admin costs were £83,886, depreciation and other amounts written off assets were £7,051 and other charges were £215,517. In 2021, admin costs were £10,372, depreciation and other amounts written off assets were £1,287 and other charges were £58,836. The admin expenses in the table below is inclusive of depreciation and other amounts written off assets, and other charges. The Equifax score and grade, on which we base our assessment of risk, are based on the Oct 2021 filed accounts. We have performed our assessment on recent financial information, including Oct 2022 final accounts shown below, which were not available to Equifax. The bank statements demonstrate reasonable affordability and the accounts remain well in credit.

Inflation Risk:
The business advised that they expect to be affected by inflation, albeit in a limited way as they set their own rates and have control over their fuel surcharge. As the majority of lending to the business is at a fixed rate, they will not be immediately affected by interest rate increases. The directors do not expect to draw money from the business as all capital is vital for the growth of the business. Their business plan going forward is to to expand their fleet and to acquire land to be able to store loaded containers. The tariff for quayside rent for containers has increased, and CBL Transport’s customers are seeking alternative solutions.


Business keeps the raised amount even if target is not met.
Loan - product type
£ 53k
£ 53k
Est close date
Funded 1 year ago in 4 days

Where will the funds go?

Working Capital

Key people

Charlene Anderson

Business brand

Falkirk, UK

"Professional, proficient and hassle free logistics service provider."

4 years, 9 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.