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loanLoan
Capital at risk
48
Months
18.0%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

Since I have taken over the company I have changed the direction to what I know have experience and expertise in and long standing credible a highly professional associates in these areas. Currently we are involved in scaffolding services including sale and hire and are now looking to be more active in the waste management area, also supplying portable modular units, containers and customising shipping containers to clients requirements for their business purposes.

To establish ourselves in each sector and building a reputation renowned for reliability and gold standards of work ethic

Our company stands at the forefront of waste management and construction innovation, blending traditional services with cutting-edge solutions to meet the evolving needs of our clients. Established as a top-tier waste management company, we've seamlessly integrated additional services, such as scaffolding, container rentals, and mobile office units, into our repertoire. With a strong foundation built on long-term contracts and a robust stock portfolio, we navigate through economic fluctuations with resilience. As we look to the future, our sights are set on expansion and solidifying our position as industry leaders.

What sets us apart in the competitive landscape is our unwavering commitment to excellence and adaptability. Guided by decades of experience and mentored by industry luminaries, we have honed our expertise to deliver unparalleled services. Our extensive order book for scaffolding and container services speaks volumes about the trust our clients place in us. Moreover, the surge in demand for our mobile office units underscores our versatility and capacity to meet diverse requirements. As we venture into new territories, including waste management and skip hire, we remain steadfast in our pursuit of operational excellence and customer satisfaction.

With a storied journey that spans from humble beginnings to spearheading mass Covid vaccine production, our track record speaks for itself. We've garnered acclaim for our contributions to waste management and received accolades for our commitment to innovation and sustainability. As we embark on this next phase of growth, we invite strategic partnerships and investments to fuel our expansion endeavours. Together, let's redefine the future of waste management and build a legacy of excellence that transcends industries and generations.

Credit commentary
The director Clive Hamilton is providing a personal guarantee, which means should the business fail and have insufficient assets within the business to repay the loan, we can look to the guarantor(s) to repay any shortfall on repayment. There have been no CCJs for the business or director. Our assessment of risk is that there have been no CCJs for the business or director. The Equifax score and grade, which we use to assess risk, are based on the 2023 accounts. The company has demonstrated strong financial stewardship with consistent alignment between filled and management accounts, instilling confidence in financial reporting accuracy. Despite a 4.51% decrease in turnover, the company effectively managed profitability, showcasing prudent cost management strategies. Robust liquidity is evident, bolstering the company’s ability to meet short-term obligations and pursue growth opportunities. The increase in Tangible Net Worth underscores the company’s financial stability. The net gearing ratio of -19% suggests a conservative capital structure, enhancing the company’s ability to withstand economic downturns. Overall, the company exhibits a sound financial position characterized by prudent cost management, liquidity strength, and improved net worth, contributing positively to its credit profile.

Inflation Risk
The company has stated that they do not expect the inflation to significantly impact customers. They believe that any effects of inflation will be felt across the board. Their stock portfolio has already been purchased and paid for, and most of their work is based on long-term contracts. They also observe that the economic climate appears to be improving, and the government has been actively working to stimulate UK businesses.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Maximum
£ 109k
Raised
£ 85k
Investors
226
Est close date
5d 7h

Where will the funds go?

Stock purchases
£54,348
Site outfitting
£54,348

Key people

Clive Hamilton
Director

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Business brand

Carlisle, UK

"To establish ourselves in each sector and building a reputation renowned for reliability and gold standards of work ethic"

Incorporated
7 years, 1 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.