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From: "Simon Palmer" <simon.palmer@smart-funding-solutions.co.uk>
To: "Bob Home" <bob@sarahharvey.com>
Subject: Re: Funding options for 2026 planning
Date: Wed, 4 Mar 2026 15:21:27 -0000
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Hi Bob,

Following up on my previous email — we now have access to unsecured, truly 
revolving credit facilities.

These facilities provide flexible working capital for companies with 
recurring cost bases but uneven cash conversion, seasonal peaks, or growth 
plans. Typical uses include:

• smoothing cash flow across customer payment cycles
• funding stock, suppliers and fulfilment
• covering VAT/Corporation Tax timing
• financing equipment and capex
• supporting expansion, hiring and operational growth
• handling seasonal working capital swings
• acquisitions and consolidation opportunities
• refinancing existing short-term debt

Key points:
✔ Unsecured facilities £50,000 - £1,000,000
✔ 24 months of revolving access
✔ Draw, repay and redraw as needed (no reapplications)
✔ 3–6 month repayment per draw with interest-only options
✔ Early repayment allowed to reduce interest costs

We support most industries and can typically produce indicative terms within 
24 hours.

If this is relevant for your business or if funding is on the agenda for 
2026, just reply to this email and I’ll provide indicative terms for review.

Best regards,

Simon
Smart Funding Solutions
If you don't want to hear from me again, please let me know 
<https://adelmarus.smart-funding-solutions.co.uk/u?mid=v1-bm9CanhHcHVEVTdyYnp1ejR1N1AwNUVEQzdhVFA1cEpPbnM2c3B5MHB3WFBFdz09LS0yVG5sZ2dNSFRZMlN4ZlZZLS14STJaWXVsTnhWOEdORTNvZi9PMlhnPT0> 
.
On January 20, 2026 10:58, Simon Palmer 
<simon.palmer@smart-funding-solutions.co.uk 
<mailto:simon.palmer@smart-funding-solutions.co.uk> > wrote:


Hi Bob,

As you plan for the year ahead, just a quick note to outline what we help 
with:

*	Acquisition funding
*	Management buyouts (MBOs)
*	Recovery Loan Scheme (RLS)
*	HMRC (VAT/CORP) finance
*	Consolidation and refinancing
*	Working capital
*	Revolving credit facilities and alternative overdrafts

If you’re considering expansion, succession, tax planning, restructuring, or 
simply improving cash flow, we can line up lender terms within 24 hours for 
review.

You can reply directly to this email with your scenario, or submit 
information via our online form here: 
<https://smartfundingsolutions.co.uk/apply-online/> Apply Online

If you already have plans in motion for 2026, I’d be interested to 
understand what you’re working on and whether funding will play a part.

Best regards,



  <https://ci3.googleusercontent.com/meips/ADKq_NZU3OYxfID1U0d21wus9elI51ToikxU3NPHZJaoLGqdH-OEvgFoirp1-33ZQeIVr2wwv-VueW89BZa-7T_3yV3T2p4OADklkgkctPfR7YMgBM2OM9u6hUnf4LySWL0PHr3J70Td_ULuyO0DuzzanuGiktzlHsRd2gc-tLwHF_EiZbmwWaElng=s0-d-e1-ft#https://cdn.gifo.wisestamp.com/im/sh/YS8xMDhjZjA1Yy1jNGE3LTRmZTctYTdiOS0wNzE2ZTBiNWZiYTgucG5nI2xvZ28=/rounded.png>
Simon Palmer
Director

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<tel:01244267694> 01244267694

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<https://smartfundingsolutions.co.uk/> smartfundingsolutions.co.uk

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<mailto:simonpalmer@smartfundingsolutions.co.uk> 
simon.palmer@smartfundingsolutions.co.uk

  <https://ci3.googleusercontent.com/meips/ADKq_NZ7WrPt5BkIdBux77s7wNg2csF4rGklbWOs0hLDoM1I7tIeztChBOowWw9yYQCAB7pirOSJ622sGwRCnV2tqUKQQOXmIrpeDvVbk1cE6f7qwwM7DX8ojfQ=s0-d-e1-ft#https://cdn.gifo.wisestamp.com/s/arrow-right-c/e5b952/26/trans.png> 
<https://calendly.com/simon-palmer-sfs/scheduled-call> Schedule a call with 
me

This email is strictly confidential and intended solely for the person or 
organisation to whom it is addressed. It may contain privileged and 
confidential information and if you are not the intended recipient, you must 
not copy, distribute or take any action in reliance on it. If you have 
received this email in error, please notify us as soon as possible and 
delete it and any attached files from your system. Smart Funding Solutions 
is a trading style of Smart Funding Solutions Limited (FRN: 972740) who are 
Appointed Representatives of White Rose Finance Group Ltd (FRN: 630772) who 
are directly authorised by the Financial Conduct Authority.

If you don't want to hear from me again, please let me know 
<https://adelmarus.smart-funding-solutions.co.uk/u?mid=v1-Mk5aQVFIZm8xTXVhYjk5bVJZYVJiMUhLQkhxTm5ka3lYQ0lBM1FEVVU2cCtjQT09LS1kWGdmRm5HUU4xNE1tRDAyLS1halVlcU1XcmlxNnVXODRXYmYyaXNRPT0> 
.



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<div dir=3D"ltr"><div>Hi Bob,</div><div><br></div><div>Following up on =
my previous email =E2=80=94 we now have access to unsecured, truly =
revolving credit facilities.</div><div><br></div><div>These facilities =
provide flexible working capital for companies with recurring cost bases =
but uneven cash conversion, seasonal peaks, or growth plans. Typical =
uses include:</div><div><br></div><div>=E2=80=A2 smoothing cash flow =
across customer payment cycles</div><div>=E2=80=A2 funding stock, =
suppliers and fulfilment</div><div>=E2=80=A2 covering VAT/Corporation =
Tax timing</div><div>=E2=80=A2 financing equipment and =
capex</div><div>=E2=80=A2 supporting expansion, hiring and operational =
growth</div><div>=E2=80=A2 handling seasonal working capital =
swings</div><div>=E2=80=A2 acquisitions and consolidation =
opportunities</div><div>=E2=80=A2 refinancing existing short-term =
debt</div><div><br></div><div>Key points:</div><div>=E2=9C=94 Unsecured =
facilities =C2=A350,000 - =C2=A31,000,000</div><div>=E2=9C=94 24 months =
of revolving access</div><div>=E2=9C=94 Draw, repay and redraw as needed =
(no reapplications)</div><div>=E2=9C=94 3=E2=80=936 month repayment per =
draw with interest-only options</div><div>=E2=9C=94 Early repayment =
allowed to reduce interest costs</div><div><br></div><div>We support =
most industries and can typically produce indicative terms within 24 =
hours.</div><div><br></div><div>If this is relevant for your business or =
if funding is on the agenda for 2026, just reply to this email and =
I=E2=80=99ll provide indicative terms for =
review.</div><div><br></div><div>Best =
regards,</div><div><br></div><div>Simon</div><div>Smart Funding =
Solutions</div></div>If you don't want to hear from me again, please <a =
href=3D'https://adelmarus.smart-funding-solutions.co.uk/u?mid=3Dv1-bm9Can=
hHcHVEVTdyYnp1ejR1N1AwNUVEQzdhVFA1cEpPbnM2c3B5MHB3WFBFdz09LS0yVG5sZ2dNSFR=
ZMlN4ZlZZLS14STJaWXVsTnhWOEdORTNvZi9PMlhnPT0'>let me know</a>.=0D<div =
class=3D"gmail_quote">On January 20, 2026 10:58, Simon Palmer <span =
dir=3D"ltr">&lt;<a =
href=3D"mailto:simon.palmer@smart-funding-solutions.co.uk" =
target=3D"_blank">simon.palmer@smart-funding-solutions.co.uk</a>&gt;</spa=
n> wrote:<br><blockquote class=3D"gmail_quote" style=3D"margin:0 0 0 =
.8ex;border-left:1px #ccc solid;padding-left:1ex"><div dir=3D"ltr">
<div>Hi Bob,</div>
<div><br></div>
<div>As you plan for the year ahead, just a quick note to outline what =
we help with:</div>
<ul>
<li>Acquisition funding</li>
<li>Management buyouts (MBOs)</li>
<li>Recovery Loan Scheme (RLS)</li>
<li>HMRC (VAT/CORP) finance</li>
<li>Consolidation and refinancing</li>
<li>Working capital</li>
<li>Revolving credit facilities and alternative overdrafts</li>
</ul>
<div>If you=E2=80=99re considering expansion, succession, tax planning, =
restructuring, or simply improving cash flow, we can line up lender =
terms within 24 hours for review.</div>
<div><br></div>
<div>You can reply directly to this email with your scenario, or submit =
information via our online form here: <a =
href=3D"https://smartfundingsolutions.co.uk/apply-online/" =
rel=3D"noopener noreferrer" target=3D"_blank"><strong>Apply =
Online</strong></a>
</div>
<div><br></div>
<div>If you already have plans in motion for 2026, I=E2=80=99d be =
interested to understand what you=E2=80=99re working on and whether =
funding will play a part.</div>
<div><br></div>
<div>Best regards,</div>
<div><br></div>
<br><div id=3D"apollo-signature-aplosig">
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<div style=3D"margin: 0.1px; line-height: 17.28px;"><strong =
style=3D"color: rgb(7, 7, 7);">Simon Palmer</strong></div>
<div style=3D"margin: 0.1px; line-height: 17.28px;"><strong =
style=3D"color: rgb(7, 7, 7);">Director</strong></div>
<div style=3D"margin: 0.1px; line-height: 17.28px;"><br></div>
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</div>
<div style=3D"margin: 0cm;"><br></div>
<div style=3D"margin: 0cm;">This email is strictly confidential and =
intended solely for the person or organisation to whom it is =
addressed.=C2=A0It may contain privileged and confidential information =
and if you are not the intended recipient, you must not copy, distribute =
or take any action in reliance on it.=C2=A0If you have received this =
email in error, please notify us as soon as possible and delete it and =
any attached files from your system.=C2=A0Smart Funding Solutions is a =
trading style of Smart Funding Solutions Limited (FRN: 972740) who are =
Appointed Representatives of White Rose Finance Group Ltd (FRN: 630772) =
who are directly authorised by the Financial Conduct =
Authority.=C2=A0</div>
<div><br></div>
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</div>
</div>If you don't want to hear from me again, please <a =
href=3D"https://adelmarus.smart-funding-solutions.co.uk/u?mid=3Dv1-Mk5aQV=
FIZm8xTXVhYjk5bVJZYVJiMUhLQkhxTm5ka3lYQ0lBM1FEVVU2cCtjQT09LS1kWGdmRm5HUU4=
xNE1tRDAyLS1halVlcU1XcmlxNnVXODRXYmYyaXNRPT0">let me =
know</a>.</blockquote></div><br>
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