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
£

Ransley Hay has more than 35 years of personally selecting the very best Hay products from the UK, Europe, Canada and the US. They supply hay to leading industry professionals throughout the UK, Ireland and the UAE. Currently seeking funds for stock and expansion.

Supplying high- quality hay consistently through our robust and established network.

We’ve been supplying quality hay for over 30 years to leading professionals internationally. We now have offices in the UK, Ireland and the UAE. With our global network of suppliers, we are able to offer the most comprehensive and extensive range of premium grade hay, straw and haylage products to suit a range of requirements.

We understand that feeding high-quality long fibre forage is the natural way to promote a healthy digestive system for horses; helping to reduce the risk of gastric ulcers, colic and other related problems whilst generally supporting good health and performance. Supplying high- quality hay consistently through our robust and established network ensures an undisturbed diet. We are continually researching new products and technology that will help deliver improved efficiency, performance and wellbeing.

At Ransley Hay, we’ve built a reputation of reliability by offering a flexible and efficient delivery service, using our own lorries with truck mounted forklifts where necessary. This enables us to accommodate most orders regardless of site and location. As we enter a phase of expansion, we are seeking funds for stock and expansion.

Covid Resilience:
Like many businesses, the pandemic created obstacles for Ransley Hay Ltd. However, these challenges were overcome and the company proved good resilience.

Credit commentary:
The directors are providing a personal guarantee, this means that if the business fails, the directors become personally liable for the loan. The directors are homeowners, however this does not ensure there are sufficient assets should the loan need to be recovered. There have been no CCJs for the business or directors. The Equifax score and grade, on which we base our assessment of risk, are based on the 2021 accounts. We have performed our assessment on recent financial information, including 2022 management accounts, which were not available to Equifax. As of February 2022, the management accounts show that the year to date net profit was £97,634 and net equity was £274,972. The bank statements demonstrate reasonable affordability and the accounts remain well in credit.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Tranche (2 of 2)
£ 214k
Raised
£ 9k
Investors
53
Est close date
Completed

Where will the funds go?

Stock
£132,978
Working Capital
£132,979

Key people

PJ
Philip John Ransley
Director

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Business brand

Ashford, UK

"Supplying high- quality hay consistently through our robust and established network."

Incorporated
11 years, 5 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.