The Retailer

The business – School uniform retailer

– Trading for 10 years

– Sales over £1 m per annum

– Retained proﬁts of £80k

– Capital base of £350k

The scenario

The customer secures long-term school contracts, which require a minimum stock holding. Not only is the business highly seasonal, but when it wins a new contract it needs to invest in new uniform ranges. The existing overdraft facility is fully utilised, and the bank has no appetite to increase the limit.

The outcome

UkMG arranged a £75k credit facility to enable new contracts to be taken on and to cover peak trading periods.

As a Business financial planner, I knew what I wanted in regard to appointing my own Business adviser when I finished work. I wanted someone that was professionally qualified, a member of a professional association, someone who had experience with investments, and a background in accounting was preferable. I also wanted someone who was knowledgeable, ethical and not interested in only making as much money for themselves as they could. In choosing to appoint Arshi and Olivia from UKMG, I knew that I was satisfying all of the above criteria. Having also worked closely with Arshi and Olivia for a couple of years in the financial planning field, I was confident that they would be around for the long term and would always have my best interests at heart. I have no doubt in recommending Arshi and Olivia to any of my friends and family.

Peter – Client since 2016

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The business – School uniform retailer

The scenario

The outcome