Case studies
What the structure was actually doing.
Three anonymised UK borrowing reviews. Each starts with a routine-looking facility, and ends with a structural finding that materially changed the borrower's understanding.
Pick a case study to see what was reviewed, what the figures actually showed, and what an independent review would focus on next time.
Case Study One
When the loan amount is not the money received
A UK business expecting straightforward working capital received £43,600 against a stated loan amount of £49,704 - and an opening repayment balance higher still.
Read the case studyCase Study Two
When a 36.9% loan results in an effective cost of approximately 60–65%
A short-term facility on a stated 36.9% rate. After fees, deductions, and repayment timing the effective annual cost worked out near 60–65%.
Read the case studyCase Study Three
When a £34,000 facility creates greater exposure than expected
A trading business expecting £34,000 in working capital. Interest applied to a £37,060 gross balance, payment-allocation rules, and joint and several guarantees materially changed the position.
Read the case studyNext step
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