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From: "Simon Palmer" <simon.palmer@smart-funding-solutions.co.uk>
To: "Bob Home" <bob@sarahharvey.com>
Subject: Re: Alternative Overdraft
Date: Mon, 15 Sep 2025 17:40:20 +0100
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Hi Bob,

Just following up on my last email — we work with the whole market and can 
often secure terms even if you’ve been unsuccessful elsewhere.

We help with:

• Business Loans (secured & unsecured)

• Asset Finance & Leasing

• Invoice Finance & Factoring

• Merchant Cash Advance

• VAT, Tax & Working Capital Loans

If you’d like, I can take a quick look at your options and see what’s 
possible.

To apply –  <https://smartfundingsolutions.co.uk/apply-online/> Apply Here
Schedule a call -  <https://calendly.com/simon-palmer-sfs/scheduled-call> 
Schedule a call with me



  <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

  <https://ci3.googleusercontent.com/meips/ADKq_NacTWHkcJYDsV9AawQwbhocL2LemuGf7z88cQiiMSdIRDUFNEKcHvn371uhUROp-Z5ewYxwPjBuYhhJeaj-cr2RloIWxrLbgYNPQbcjP5k=s0-d-e1-ft#https://cdn.gifo.wisestamp.com/s/rfp3/e5b952/26/trans.png> 
<tel:01244267694> 01244267694

  <https://ci3.googleusercontent.com/meips/ADKq_NaVanZVMZfaEGN5r5NNQZOcMDv9iMdOgPFt92DMDNIP6HptDeO3ZMmelbhWu_lzAa2qvp-ohY4g5Rq8k9Zh3LlFChZ-bZ8tD6ocZ05xeZY=s0-d-e1-ft#https://cdn.gifo.wisestamp.com/s/rfw1/e5b952/26/trans.png> 
<https://smartfundingsolutions.co.uk/> smartfundingsolutions.co.uk

  <https://ci3.googleusercontent.com/meips/ADKq_NYbLWDUbhgj1pF7B7IZnP5FqcOFZvv-KGPXzMHu3gjmmaAlMV2Fckaw0rRNk5karbsvvbN_gmyy7h-7ZGTj32k8w17jXWetBUJe2f79E0Pd=s0-d-e1-ft#https://cdn.gifo.wisestamp.com/s/rfem1/e5b952/26/trans.png> 
<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=68c17ff5bcebc40001f6a3fe> 
.
On July 20, 2025 11:22, Simon Palmer 
<simon.palmer@smart-funding-solutions.co.uk 
<mailto:simon.palmer@smart-funding-solutions.co.uk> > wrote:


Hi Bob,

I hope you're well. It’s been a little while since we last spoke about 
funding, and I wanted to check in to see if the following product might be a 
good fit for your business right now.

FlexiPay is ideal for managing short-term cash flow gaps—whether you're 
waiting on payments, covering tax bills, payroll, or supplier costs.

✔ Credit limits up to £250,000

✔ Repay over 1–12 monthly instalments

✔ 0% interest, no annual fees

✔ One flat fee per transaction


If this sounds useful, let me know and I’ll be happy to get the ball 
rolling.

To apply –  <https://smartfundingsolutions.co.uk/apply-online/> Apply Here

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

  <https://ci3.googleusercontent.com/meips/ADKq_NacTWHkcJYDsV9AawQwbhocL2LemuGf7z88cQiiMSdIRDUFNEKcHvn371uhUROp-Z5ewYxwPjBuYhhJeaj-cr2RloIWxrLbgYNPQbcjP5k=s0-d-e1-ft#https://cdn.gifo.wisestamp.com/s/rfp3/e5b952/26/trans.png> 
<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=687642bc16947d000194f227> 
.



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<div dir=3D"ltr"><html><head></head><body><div>Hi =
Bob,</div><div><br></div><div>Just following up on my last email =
=E2=80=94 we work with the whole market and can often secure terms even =
if you=E2=80=99ve been unsuccessful =
elsewhere.</div><div><br></div><div>We help =
with:</div><div><br></div><div>=E2=80=A2 Business Loans (secured & =
unsecured)</div><div><br></div><div>=E2=80=A2 Asset Finance & =
Leasing</div><div><br></div><div>=E2=80=A2 Invoice Finance & =
Factoring</div><div><br></div><div>=E2=80=A2 Merchant Cash =
Advance</div><div><br></div><div>=E2=80=A2 VAT, Tax & Working Capital =
Loans</div><div><br></div><div>If you=E2=80=99d like, I can take a quick =
look at your options and see what=E2=80=99s =
possible.</div><div><br></div><div><strong>To apply =E2=80=93  =
</strong><a href=3D"https://smartfundingsolutions.co.uk/apply-online/" =
rel=3D"noopener noreferrer" target=3D"_blank" style=3D"color: rgb(0, =
102, 204);"><strong>Apply Here</strong></a></div><div><strong>Schedule a =
call - </strong><a =
href=3D"https://calendly.com/simon-palmer-sfs/scheduled-call" =
rel=3D"noopener noreferrer" target=3D"_blank" style=3D"color: rgb(0, =
102, 204);"><strong>Schedule a call with me</strong></a><strong =
style=3D"color: rgb(0, 102, =
204);">&nbsp;</strong></div><div><br></div></body></html><br/><div><br></=
div><div style=3D"margin: 0.1px; line-height: 17.28px;"><img =
src=3D"https://ci3.googleusercontent.com/meips/ADKq_NZU3OYxfID1U0d21wus9e=
lI51ToikxU3NPHZJaoLGqdH-OEvgFoirp1-33ZQeIVr2wwv-VueW89BZa-7T_3yV3T2p4OADk=
lkgkctPfR7YMgBM2OM9u6hUnf4LySWL0PHr3J70Td_ULuyO0DuzzanuGiktzlHsRd2gc-tLwH=
F_EiZbmwWaElng=3Ds0-d-e1-ft#https://cdn.gifo.wisestamp.com/im/sh/YS8xMDhj=
ZjA1Yy1jNGE3LTRmZTctYTdiOS0wNzE2ZTBiNWZiYTgucG5nI2xvZ28=3D/rounded.png" =
style=3D"max-width: 100%" alt=3D"photo" width=3D"116"></div><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><div style=3D"margin: 1px; line-height: =
10.89px;"><img =
src=3D"https://ci3.googleusercontent.com/meips/ADKq_NacTWHkcJYDsV9AawQwbh=
ocL2LemuGf7z88cQiiMSdIRDUFNEKcHvn371uhUROp-Z5ewYxwPjBuYhhJeaj-cr2RloIWxrL=
bgYNPQbcjP5k=3Ds0-d-e1-ft#https://cdn.gifo.wisestamp.com/s/rfp3/e5b952/26=
/trans.png" style=3D"max-width: 100%" alt=3D"icon" width=3D"11">&nbsp;<a =
href=3D"tel:01244267694" rel=3D"noopener noreferrer" target=3D"_blank" =
style=3D"color: rgb(7, 7, =
7);"><strong>01244267694</strong></a>&nbsp;&nbsp;</div><div =
style=3D"margin: 1px; line-height: 10.89px;"><br></div><div =
style=3D"margin: 1px; line-height: 10.89px;"><img =
src=3D"https://ci3.googleusercontent.com/meips/ADKq_NaVanZVMZfaEGN5r5NNQZ=
OcMDv9iMdOgPFt92DMDNIP6HptDeO3ZMmelbhWu_lzAa2qvp-ohY4g5Rq8k9Zh3LlFChZ-bZ8=
tD6ocZ05xeZY=3Ds0-d-e1-ft#https://cdn.gifo.wisestamp.com/s/rfw1/e5b952/26=
/trans.png" style=3D"max-width: 100%" alt=3D"icon" width=3D"11">&nbsp;<a =
href=3D"https://smartfundingsolutions.co.uk/" rel=3D"noopener =
noreferrer" target=3D"_blank" style=3D"color: rgb(7, 7, =
7);"><strong>smartfundingsolutions.co.uk</strong></a></div><div =
style=3D"margin: 1px; line-height: 10.89px;"><br></div><div =
style=3D"margin: 1px; line-height: 10.89px;"><img =
src=3D"https://ci3.googleusercontent.com/meips/ADKq_NYbLWDUbhgj1pF7B7IZnP=
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26/trans.png" style=3D"max-width: 100%" alt=3D"icon" =
width=3D"11">&nbsp;<a =
href=3D"mailto:simonpalmer@smartfundingsolutions.co.uk" rel=3D"noopener =
noreferrer" target=3D"_blank" style=3D"color: rgb(7, 7, =
7);"><strong>simon.palmer@smartfundingsolutions.co.uk</strong></a></div><=
div style=3D"margin: 1px; line-height: 10.89px;"><br></div><div =
style=3D"margin: 1px; line-height: 10.89px;"><img =
src=3D"https://ci3.googleusercontent.com/meips/ADKq_NZ7WrPt5BkIdBux77s7wN=
g2csF4rGklbWOs0hLDoM1I7tIeztChBOowWw9yYQCAB7pirOSJ622sGwRCnV2tqUKQQOXmIrp=
eDvVbk1cE6f7qwwM7DX8ojfQ=3Ds0-d-e1-ft#https://cdn.gifo.wisestamp.com/s/ar=
row-right-c/e5b952/26/trans.png" style=3D"max-width: 100%" alt=3D"icon" =
width=3D"11">&nbsp;<a =
href=3D"https://calendly.com/simon-palmer-sfs/scheduled-call" =
rel=3D"noopener noreferrer" target=3D"_blank" style=3D"color: rgb(0, 0, =
0);"><strong><u>Schedule a call with me</u></strong></a><strong =
style=3D"color: rgb(0, 0, 0);"><u>&nbsp;</u></strong></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.&nbsp;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.&nbsp;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.&nbsp;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.&nbsp;</div><div><br></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=3D68c17ff5b=
cebc40001f6a3fe'>let me know</a>.=0D<div class=3D"gmail_quote">On July =
20, 2025 11:22, 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<strong> </strong>Bob<strong>,</strong>
</div>
<div><br></div>
<div>I hope you're well. It=E2=80=99s been a little while since we last =
spoke about funding, and I wanted to check in to see if the following =
product might be a good fit for your business right now.</div>
<div><br></div>
<div>
<strong>FlexiPay</strong> is ideal for managing short-term cash flow =
gaps=E2=80=94whether you're waiting on payments, covering tax bills, =
payroll, or supplier costs.</div>
<div><br></div>
<div>=E2=9C=94 Credit limits up to =C2=A3250,000</div>
<div><br></div>
<div>=E2=9C=94 Repay over 1=E2=80=9312 monthly instalments</div>
<div><br></div>
<div>=E2=9C=94 0% interest, no annual fees</div>
<div><br></div>
<div>=E2=9C=94 One flat fee per transaction</div>
<div><br></div>
<div><br></div>
<div>If this sounds useful, let me know and I=E2=80=99ll be happy to get =
the ball rolling.</div>
<div><br></div>
<div>To apply =E2=80=93  <a =
href=3D"https://smartfundingsolutions.co.uk/apply-online/" =
rel=3D"noopener noreferrer" target=3D"_blank"><strong>Apply =
Here</strong></a>
</div>
<div><br></div>
<div>Best regards,</div>
<br><div><br></div>
<div style=3D"margin: 0.1px; line-height: 17.28px;"><img =
src=3D"https://ci3.googleusercontent.com/meips/ADKq_NZU3OYxfID1U0d21wus9e=
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style=3D"max-width: 100%" alt=3D"photo" width=3D"116"></div>
<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>
<div style=3D"margin: 1px; line-height: 10.89px;">
<img =
src=3D"https://ci3.googleusercontent.com/meips/ADKq_NacTWHkcJYDsV9AawQwbh=
ocL2LemuGf7z88cQiiMSdIRDUFNEKcHvn371uhUROp-Z5ewYxwPjBuYhhJeaj-cr2RloIWxrL=
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/trans.png" style=3D"max-width: 100%" alt=3D"icon" width=3D"11">=C2=A0<a =
href=3D"tel:01244267694" rel=3D"noopener noreferrer" target=3D"_blank" =
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