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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
£

Fairmount Group Limited, founded in 2021, has swiftly established itself as a trusted name in the wholesale goods market, specialising in soft drinks, confectionery, and snacks. Fairmount takes pride in sourcing high-quality, branded food and drink products directly from manufacturers worldwide, offering unbeatable prices and unrivalled availability. With a growing client base spanning the UK and Europe, Fairmount is renowned for its reliability, expert sourcing, and exceptional service.

We're sweet enough, are you?

As the founder of Fairmount Group, I’m proud of how far we’ve come since 2021. Starting with a simple philosophy—thinking like our customers—we built this company around their needs. By sourcing directly from trusted suppliers across the globe, we offer not only competitive pricing but also consistent availability, even during challenging times. Our growth into the European and Middle Eastern markets reflects the strength of this approach and the trust we’ve earned.

Quality and customer satisfaction have always been at the core of what we do. Whether it’s delivering fresh stock, offering free nationwide delivery, or helping clients source bespoke products, our focus is on creating real value for our customers. With over 50+ loyal clients in the UK and Europe, as well as a huge number of manufacturers and suppliers from Europe and further afield, we’ve sold 5+ million in goods.

We are committed to sustaining these strong relationships while continuing to expand our reach. This funding round represents an opportunity for you to join us on our journey. We’re seeking investment to expand our inventory and further scale our operations. As we prepare for new partnerships and explore innovative ways to serve our clients better, we’re excited to invite investors to be part of our next phase of growth.

Credit Commentary:
Fairmount Group, based in Gravesend, UK, operates primarily as a wholesale distributor, particularly in the food and beverage sector. Established in 2021, the company focuses on purchasing products globally at competitive prices, allowing it to provide value to its clients, which include wholesalers and other businesses across the UK and Europe. The company’s revenue model relies on high-volume, low-margin sales to keep prices attractive for customers, helping them maintain steady demand and repeat business. The director, Amandeep Sahota, is providing a personal guarantee, which means that 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. The director ( sole owner of the business as well) has a good credit profile (plus a homeowner with good equity cover), and the company holds an Equifax report of B(-). There have been no CCJs for the business or the director. Looking at the FY2024 accounts, the company posted a turnover of £816K (FY 2023: £17.9K) and an Operating Profit of £25K (FY2023: Operating Loss £3.4K), which is enough to cover the proposed facility. Meanwhile, the Debt Servicing Capacity stands adequate at 1.6x, and net equity was £19K. The bank statements show a modest cash flow. The company is in the initial stages. However, the business has established connections within the industry by visiting trade shows and networking with potential customers/suppliers and aims to get into more retail chain outlets with better margins across Europe and the Far East. The loan disbursement would be channelled into fulfilling purchase orders already secured.

Inflation Risk:
The business advised that they are not impacted by inflation. The buying groups will have the same prices from manufacturers and strong relationships build with the clients will allow the business to quickly adopt to price change.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Maximum
£ 20k
Raised
£ 20k
Investors
80
Est close date
Funded 2 days ago in 5 days

Where will the funds go?

Stock Purchasing
£20,000

Key people

Amandeep Singh Sahota
Director

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Business brand

Gravesend, UK

"We're sweet enough, are you?"

Incorporated
3 years, 6 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.