Overview
Repairs and maintenance, on a national scale
TOSMC UK Ltd is a nationwide facilities management and property maintenance provider based in Horsham, West Sussex. Covering the full spectrum of FM work, from reactive and emergency repairs to planned maintenance and specialist trades including drainage, roofing, glazing, locksmithing and pest control, alongside larger refurbishment projects, the team coordinates a national network of contractors and tradespeople, giving clients a single point of contact for property issues wherever they arise.
The Problem
Contractors paid fortnightly, clients paying in months
Keeping a nationwide supplier network paid means committing significant cash every fortnight, all while waiting on customer payments that can take months to land. At TOSMC's scale that mismatch bites hard.
Left unmanaged, the gap meant juggling or withholding 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.
The Solution
A facility built around the FM payment rhythm
TOSMC was set up with a Lenkie credit facility in early 2026. The facility pays suppliers and contractors instantly, with repayment over roughly three months, a window built to match TOSMC's own two-to-three-month customer payment cycle, so cash is never trapped 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 continuous underwriting letting the facility grow in step rather than requiring a fresh application each time. The revolving structure suits the rhythm of the work: every repayment tops the facility back up, funding regular payment cycles across the full supplier base, locksmiths, plumbers, electricians and more, without manually juggling payments from the business's own bank account. With no subscription or non-usage fees, the facility costs nothing to hold.
The journey
01
Facility live in early 2026, paying suppliers and contractors instantly
02
Repayments over roughly three months, matched to the client payment cycle
03
Limit increased within months through continuous underwriting as growth sustained
"We're growing quickly, and Lenkie has become our go-to for managing supplier and contractor payments day to day. It's simple, it's fast, and it's there when we need it."
Matthew Ellis
Director, TOSMC UK Ltd
Results
Saying yes to new jobs, with payments keeping pace
With demand for reactive and planned maintenance continuing to climb, TOSMC's next chapter is scaling its national contractor network without cash flow becoming the constraint. With the facility behind them, Matthew and the team can keep saying yes to new jobs and new clients, confident that supplier payments will keep moving as fast as the work does.
2 weeks
contractor payment cycle, funded on time every time
2-3 months
client payment terms bridged by the facility
1 year+
growing with Lenkie, with a limit increase within months
"TOSMC is a great example of what a Lenkie facility is built for: a fast-growing FM business with a large supplier network to keep paid on time. As the business scales, we're proud that our funding can scale with it"
Sanjeev Jeyakumar
CEO, Lenkie
Takeaway
FM businesses sit in the middle of everyone else's payment terms: trades need paying every fortnight, clients settle in months, and the provider absorbs the difference. TOSMC's facility matched its repayment window to the client cycle, turning that structural gap into a managed rhythm rather than a monthly juggle.
