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loanLoan
Capital at risk
36
Months
17.0%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

SMA Building and Maintenance Solution Ltd was founded in 2019 by Suzanne Ackland and based in Gloucester. They are a sustainable business that works with myriad clients of different kinds including Ted Baker, Co-Op, and Barratt Developments. With a blend of expertise, innovation, and unwavering quality, they craft spaces that inspire and endure. They are currently seeking funds for expansion and refinancing.

Sustainable, growth-focused building and maintenance.

I started this company back in 2019 with the intent of setting up a building and maintenance company with forward-thinking and sustainability at its core. SMA survived the pandemic, and in April 2022 I brought myself, Sarah, and James aboard as fellow managing directors. Together as a managing quartet we set out to ensure that SMA would grow into a respected name in the industry, with growth to match. We have seen sales soar recently, and have acquired our first development which should be completed in early 2024.

What makes SMA different from other building and maintenance firms? We are committed to sustainability and to the future. We have made a point of minimising our environmental impact, and have introduced hybrid and full electric vehicles to our fleet as a part of our green vehicle policy. We also do our best to work with eco-friendly material suppliers to further reduce our impact on the planet. Aside from the above, we have a strong commitment to staff development. We are currently sponsoring two apprentices at a college in Bristol, and hope that many more will follow. Good staff are invaluable, and being able to help cultivate them is something SMA is proud of. Moreover, we are supporting one of our managers as she moves to take a course at a nearby college to further improve her skills. Growth and sustainability are at SMA's core.

SMA Building & Maintenance Solution Ltd is proud to offer years of experience in the building and maintenance industry, and we have good working relationships with a number of respected contractors. Our sales value has sprawled in the past year to over £3.3 million, and we are now approaching Crowd2Fund to ensure that that number keeps climbing. We project that once our development completes in early 2024 our sales could soar as high as £7.5 million. We are excited about the opportunity to expand with your support.

Credit commentary:
The three directors are providing a personal guarantee, which means should the business fail, and there are insufficient assets within the business to repay the loan, we can look to the director to repay any shortfall on repayment. The directors have a strong financial profile, and the company holds an Equifax Report of D+. Our Credit Score may provide a better score from Equifax’s report given our assessment considers their latest business accounts and shows a more accurate company performance throughout the year. The directors are homeowners with an accumulated equity of £350k. The funds will be used for business expansion and settling existing debt. The director can be traced for several years with no issues.

Inflation risk:
As the majority of lending to the business is at a fixed rate, they will not be immediately affected by interest rate increases.

X

Business keeps the raised amount even if target is not met.
Loan - product type
Tranche (1 of 2)
£ 163k
Raised
£ 53k
Investors
150
Est close date
Funded 5 months ago in 29 days

Where will the funds go?

Loan Settlement
£107,010
Expansion
£56,034

Key people

Melvyn Ackland
director
SM
Suzanne Mary Ackland
director
SM
Sarah Mae Round
director
JE
James Edgar Rowley
director

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Business brand

Stonehouse, UK

"Sustainable, growth-focused building and maintenance."

Incorporated
4 years, 10 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.