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loanLoan
Capital at risk
24
Months
17.5%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

Elle Jay Aesthetics is a medical aesthetics and wellbeing centre offering a number of treatments to its clients. The business is led by Lindsey, who has an over 30 year long career of nursing behind her, which has provided her with a wealth of medical knowledge to lead a medical aesthetics business. Elle Jay specialises in anti aging treatments and dermal fillers, body sculpting, skin care, minor surgery and holistic wellbeing with vitamin infusions, with plans to expand beyond these.

To help people be the best version of themselves and improve their physical and mental health

I have been in nursing for over 30 years, currently working as an Advanced Nurse Practitioner. I am therefore a qualified nurse prescriber. I take pride in treating people as individuals and work with them to achieve realistic goals and help them make informed decisions about their treatment. Treatments available are anti-wrinkle injections- I prefer to use Allergan anti-wrinkle treatment, as it has less spread and stays in place; dermal fillers – an assortment depending on the area and the look required. I am also trained in Aqualyx fat dissolving injections.

I started Elle Jay Aesthetics because I know how important looks are in today’s culture, and I wanted to use my nursing experience to help people look their best. What sets us apart is our commitment to holistic wellness. We believe that true beauty radiates from within, which is why our services are designed to nourish both body and mind. From rejuvenating facials and anti-aging treatments to stress-relief therapies and nutritional guidance, we provide a complete wellness experience tailored to your unique needs.

Our state-of-the-art facility is equipped with the latest technology and designed to offer a serene and luxurious environment. At Elle Jay, you will find a sanctuary where you can relax, rejuvenate, and rediscover your best self. We're constantly striving to innovate and improve, and with Crowd2Fund's help we hope to increase our repertoire of treatments and therefore our customer base.

Credit commentary:
The director Lindsey Watson 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. The Equifax score and grade, which we use to assess risk, are based on the 2023 accounts. The audited financial statements, verified by an accounting firm, confirm the accuracy of the financial figures. In 2023, the company’s total EBITDA is £22K, down from £3K in 2022, indicating insufficient earnings to cover interest, existing debt payments, and the proposed facility. However, the cash flow analysis suggests that the company can manage higher financial obligations. The turnover has increased by £103K between 2022 and 2023, reflecting strong revenue growth. The company’s tangible net worth has risen to £17K, providing a physical asset base to secure the borrowing facility. Recent bank statements indicate consistent and positive cash flow, with end balances around 4K as of May. The Debt Service Coverage ratio of 1.54 and net gearing of 108% indicate a mix of financial risks, balancing moderate earnings coverage with high financial leverage. The current debt includes an obligation to Iwoca, which needs to be considered in the overall financial assessment.

Inflation Risk:
The company has stated that they are competitively priced. Their clients choose them because their nurses provide assistance that they are not receiving from the NHS. The private health and well-being sector is growing

X

Business keeps the raised amount even if target is not met.
Loan - product type
Maximum
£ 40k
Raised
£ 14k
Investors
83
Est close date
21h 59m

Where will the funds go?

Expansion
£33,200
Marketing
£10,000

Key people

Lindsey Watson
Director

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Business brand

Worcester, UK

"To help people be the best version of themselves and improve their physical and mental health"

Incorporated
3 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.