TOSMC UK Ltd: Keeping facilities management moving with fast, flexible working capital
Jul 8, 2026
TOSMC UK Ltd is a nationwide facilities management and property maintenance provider based in Horsham, West Sussex. From reactive and emergency repairs to planned maintenance and specialist trades, the business coordinates a network of contractors to keep clients' properties running across the country. For over a year, Lenkie's credit facility has given TOSMC the working capital to pay its suppliers and contractors on time, whatever the job.
Repairs and maintenance, on a national scale
TOSMC UK Ltd covers the full spectrum of FM work - reactive and emergency repairs, planned maintenance, and specialist trades including drainage, roofing, glazing, locksmithing and pest control, alongside larger refurbishment projects. The team coordinates a nationwide network of contractors and tradespeople, giving clients a single point of contact for property issues wherever they arise.
The business has grown fast, expanding its team and taking on a steadily increasing volume of jobs across the country every day. That momentum shows no sign of slowing, with TOSMC continuing to win new clients and scale its contractor network to keep pace with demand.
The cash flow challenge of national FM work
TOSMC's growth has come with a familiar working capital squeeze. The business pays its network of suppliers and contractors - locksmiths, plumbers, electricians and other FM specialists - on 30-day terms. But its own clients typically settle invoices over a much longer cycle, taking 75 to 90 days to pay.
That mismatch bites hard at TOSMC's scale. Keeping its supplier network paid means committing significant cash every fortnight, all while waiting on customer payments that can take months to land. Left unmanaged, that gap meant having to juggle or withhold payments to smaller suppliers - a stressful way to run a fast-growing operation, and not one that helps preserve the relationships the business depends on.
How Lenkie helped
TOSMC was set up with a Lenkie credit facility in early 2026. The facility lets the business pay suppliers and contractors instantly, while repaying Lenkie over roughly three months - a repayment window built to match TOSMC's own two-to-three-month customer payment cycle, so cash is never trapped in the gap between paying a contractor and getting paid by the client.
As the business has scaled, the facility has scaled with it. Evidence of sustained growth supported a limit increase within the first few months, with Lenkie's continuous underwriting approach allowing the facility to grow in step with the business rather than requiring a fresh application each time.
The revolving structure suits the rhythm of FM work well: every repayment tops the facility back up, so TOSMC can run regular payment cycles across its full supplier base - locksmiths, plumbers, electricians and more - without manually juggling payments from its own bank account. With no subscription or non-usage fees, the facility costs nothing to hold: TOSMC only ever pays for the funding it uses.
Built to keep pace with growth
With demand for reactive and planned maintenance work continuing to climb, TOSMC's next chapter is about scaling its national contractor network without letting cash flow become the constraint. With Lenkie's facility behind them, Matthew and the team can keep saying yes to new jobs and new clients, confident that their supplier payments will keep moving as fast as the work does.
We look forward to backing TOSMC UK Ltd as it continues to grow.
