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Securing Bank Funding
A growing marketing company, in need of bank funding to help expand the workforce and acquire larger offices.

About the client
Einstein Marketer Limited is a digital marketing agency based in Kent and founded by Mat Wilson in 2017. The organisation has a mix of experienced marketing, sales and admin staff.
Key Challenges
Einstein Marketer Limited was looking to take on larger clients and projects in excess of £50k and with a 60-90 days payment period. This required the client to pay the subcontractor and other associated costs upfront. This posed a cash flow issue.
The client faced three questions:
- Which is the most suitable form of financing: an overdraft facility or a bank loan?
- How to go about applying for it?
- How to plug the cash shortfall?

Solution Implemented
Drawing from the expertise of the accountants at Pennyhills®️, we knew that lenders like banks and other financial institutes need:
- Statutory accounts
- Management accounts
This allows the bank to evaluate how much a company can afford to borrow and the risk associated with the loan and the overdraft.
As a solution, we prepared periodic management accounts for Einstein Marketer Limited with variance analysis against budget, cash flow forecast, and written commentary to accompany the accounts on a monthly basis.
Final Outcome
We were successfully able to help Einstein Marketer Limited apply and receive a £50k unsecured loan at a favourable rate. This allowed them to take on bigger projects and grow their business.
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