Business line of credit: How does it work?
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Overview
Business line of credit: How does it work?
Roseground is a fast-growing hospitality group that supplies fresh ingredients and ready-made meals to independent cafés, offices, and events teams across London. As demand grew, so did the pressure on working capital: larger orders meant higher supplier costs long before customer payments arrived.
The finance team had strong demand and reliable customers, but traditional funding options were too slow or too rigid for the day-to-day realities of supplier purchasing. They needed a flexible way to pay invoices quickly without interrupting operations or taking focus away from customers.
The Problem
Growth created pressure on supplier payments
Construction is capital-intensive before a penny comes in. Roseground, a Bedfordshire firm handling everything from housing estates to factory relocations, has to fund steel, drylining, machinery hire, bespoke design teams, and weekly subcontractor wages upfront — with a national shortage of 250,000–300,000 skilled workers inflating labour rates. Meanwhile, cash in the door is slow. Monthly valuations can take weeks to be approved and settled, and small firms don't have the bandwidth to stagger multiple projects for a constant revenue stream. Traditional lenders offered little help: restrictive underwriting meant expensive loans, tiny overdrafts, or admin-heavy invoice financing.
The Solution
Turning to Lenkie
Jason, Roseground's Finance Director, approached Lenkie's partner Aurora Capital in September 2024. Three things made the facility work:
Implementation
01
Pay now, repay when the work is done. Lenkie's credit facility lets Roseground pay project costs — supplies, equipment, labour — immediately, spreading repayment over 1 to 12 months so outgoings match the project cycle rather than racing ahead of it.
02
Bulk Payments for high invoice volume. With hundreds of invoices to pay every week, each ranging from £100 to £40,000, the Bulk Payments feature lets Jason process his weekly payment runs smoothly in one go.
03
Bulk Payments for high invoice volume. With hundreds of invoices to pay every week, each ranging from £100 to £40,000, the Bulk Payments feature lets Jason process his weekly payment runs smoothly in one go.
Results
More confidence, fewer payment bottlenecks
With Lenkie, Roseground could take on larger opportunities without slowing down procurement. The finance team gained clearer visibility over payment schedules, suppliers were paid faster, and operational conversations shifted from “can we afford this order?” to “how quickly can we fulfil it?”
The partnership also helped leadership plan ahead. By smoothing purchasing costs over predictable repayment windows, the team could invest in growth while keeping day-to-day working capital stable.
Takeaway
The UK construction market still rests on the edge of crisis. Small businesses make up 86% of the sector, leaving firms like Roseground to fill the gaps. With the Labour government pledging to build 300,000 homes a year and invest £7.3bn in clean infrastructure, Lenkie helps Roseground to drive the initiative in Bedfordshire, delivering turnkey projects that are built to last.
