The challenge

One of the UK’s leading cosmetic healthcare providers (bringing in around £30 million annually) was growing fast. After bringing in a new director a few years earlier, the business saw its revenue triple year after year.

The team had big plans: open five new locations across the UK and expand into the US. On top of that, tariffs had driven up the cost of some of their most-used medical products that were produced overseas and they were looking to start making their own products to cut down on costs and boost profits.

They had a solid strategy, a growing customer base and things were moving quickly. But to keep up the pace, they needed flexible funding—something they hadn’t been able to find yet.

They initially tried going through the traditional banks, but ran into long wait lines, complicated forms, rigid rules and slow communication. It was all costing them time, and in a fast-changing market, time was the one thing they couldn’t afford to lose.

What they really needed was a large credit facility they could access on their terms, not the bank’s.

The Bizcap difference

That’s when they reached out to Bizcap.

Unlike the lenders they’d spoken to before, Bizcap offered a fast turnaround and a more practical approach to how modern businesses actually work today.

After a quick but detailed review, Bizcap approved a £500,000 Line of Credit Loan. This gave the business more than access to money, it gave them breathing room, control and a funding option they could actually use when they needed it.

What really stood out to the director was the flexibility. He didn’t want a loan that slowed him down, he wanted access to capital but only when it made sense for him to use it. With Bizcap’s Line of Credit, that’s exactly what he got.

What made it work

Drawdowns on their own terms: The business could access funds at their own pace, only when needed. No pressure to to use the full amount upfront

Live tracking: Through a simple online portal, they could keep tabs on everything: what had been drawn, what was left, what had been repaid, and how early repayments could save on interest.

Ongoing access: As repayments were made, the credit line refreshed automatically. That gave them the confidence that if they needed more funds, they’d be ready and waiting, no reapplying or delays.

Each drawdown worked as its own loan: This setup gave them full control over repayments. They could pay some off early to reduce interest, and stretch others to the full term, depending on what worked best for cash flow at the time.

Practical underwriting: Despite a previous County Court Judgement (CCJ)—something that would typically render a business ineligible for funding by traditional lenders—Bizcap took a practical view—asking for context, looking at the bigger picture, and ultimately moving forward after appropriate risk assessment. That kind of open-mindedness is unique among lenders.

The outcome

The business had initially asked for £750,000. Bizcap approved £500,000 to start, with the option to increase it over time as the relationship grew.

In the first month, they drew down £50,000 twice to cover early expenses. Not long after, they drew the remaining £390,000 in one go, making it Bizcap UK’s largest Line of Credit draw to date.

What started as a way to get funding ended up being something more useful: a long-term tool for growth. It helped them stay on track with their expansion plans, take action on time-sensitive projects, and move ahead without having to wait around.

With Bizcap backing them, they didn’t just get a loan—they got the freedom to run their business without roadblocks.

Why Choose Bizcap?

At Bizcap, we help SMEs get the funds they need, quickly and without the usual hassle. Whether you’re trying to grow or just need to cover and unexpected cost, we try to keep the process simple.

With approvals as quick as 3 hours and funds often available on the same day, we’re here to support your business every step of the way.

If your business needs funding to thrive, reach out to Bizcap today and discover how we can help you achieve your goals.

Line of Credit is now officially available for Bizcap UK with access up to £500,000 in revolving capital to use whenever you need it. Apply now!