Two facilities. One borrower. Both repaid.

Caversham Group arranged two consecutive short-term secured facilities for a UK limited company group requiring fast, discreet capital. Both transactions completed within days of terms being issued and were repaid in full at maturity.

Facility Size

£4.5M & £4.0M

+

Term

31 days each

+

Security

First charge debenture

+

Outcome

Repaid in full

A complete security package, professionally documented.

Each facility was secured by a full debenture over the borrowing company, creating fixed and floating charges over the entirety of each company’s assets and undertakings, including any property, bank accounts, receivables, and equipment.


In addition, the lender received a personal guarantee and indemnity from the group director, covering both companies, alongside a third-party charge over the director’s shares in one of the entities - giving the lender direct recourse to equity if required.


Every document was drafted by a specialist commercial finance law firm. The director received independent legal advice from a separate solicitor before signing the personal guarantee and share charge. Corporate resolutions and a stock transfer form were completed to make the security fully enforceable from day one.

A complete security package, professionally documented.

Each facility was secured by a full debenture over the borrowing company, creating fixed and floating charges over the entirety of each company’s assets and undertakings, including any property, bank accounts, receivables, and equipment.


In addition, the lender received a personal guarantee and indemnity from the group director, covering both companies, alongside a third-party charge over the director’s shares in one of the entities - giving the lender direct recourse to equity if required.


Every document was drafted by a specialist commercial finance law firm. The director received independent legal advice from a separate solicitor before signing the personal guarantee and share charge. Corporate resolutions and a stock transfer form were completed to make the security fully enforceable from day one.

Clear boundaries. Faster decisions.

Security Components

Full debenture over the borrowing company

Fixed and floating charges over assets and undertakings

First legal mortgages where property was involved

Personal guarantee and indemnity from the director

Third-party charge over the director’s shares

Independent legal advice provided to the director

Corporate resolutions and stock transfer form executed

All documents drafted by specialist finance solicitors

Two clean completions. Funds released within days. Security registered. Both loans repaid in full at maturity. No defaults, no extensions, no enforcement.

Two clean completions. Funds released within days. Security registered. Both loans repaid in full at maturity. No defaults, no extensions, no enforcement.

Two clean completions. Funds released within days. Security registered. Both loans repaid in full at maturity. No defaults, no extensions, no enforcement.

Caversham Group arranges secured commercial loans for UK limited companies and limited liability partnerships only. We do not lend to, or accept enquiries from, private individuals, sole traders, or consumers. All loans are made for business purposes and are not regulated by the Financial Conduct Authority. The Consumer Credit Act 1974 does not apply to lending to corporate bodies for business purposes.


This website is directed solely at UK limited companies and LLPs seeking commercial finance. It does not constitute a financial promotion within the meaning of section 21 of the Financial Services and Markets Act 2000 and is not directed at any person who would be classified as a consumer. Nothing on this website constitutes an offer of credit, investment advice, or a solicitation to invest. All facilities are subject to underwriting, satisfactory security, independent valuation, and legal due diligence. Figures, timelines, and transactions referenced on this website are illustrative and are not binding.


Specific rates, fees, and conditions are set out in loan documentation on a case-by-case basis. Failure to meet repayment obligations may result in enforcement of security, including the sale of charged assets or property. Borrowers are strongly advised to take independent legal, tax, and financial advice before entering into any loan agreement.