TOSMC UK Ltd is a nationwide facilities management and property maintenance provider based in Horsham, West Sussex. The work ranges from reactive and emergency repairs to planned maintenance and specialist trades, drainage, roofing, glazing, locksmithing, pest control, alongside larger refurbishment projects. The team coordinates a national network of contractors and tradespeople, so a client with a problem anywhere in the country only has to make one call.
Keeping a nationwide supplier network paid means finding significant cash every fortnight, while customer payments can take months to land. At TOSMC's scale, that gap is real money.
Left unmanaged, it meant juggling or withholding payments to smaller suppliers, which is no way to run a fast-growing business, and it puts exactly the relationships TOSMC depends on at risk.
TOSMC was set up with a Lenkie credit facility in early 2026. It pays suppliers and contractors instantly, with repayment due over roughly three months, the same window TOSMC's own clients take to pay their invoices, so cash is never stuck between paying a contractor and getting paid by the client.
As the business has scaled, so has the facility. Sustained growth earned TOSMC a limit increase within the first few months, and Lenkie's continuous underwriting means that keeps happening automatically, no fresh application each time. Every repayment tops the facility back up, funding regular payment cycles across the full supplier base, locksmiths, plumbers, electricians and more, without anyone manually juggling payments out of the business's own account. There's no subscription or non-usage fee, so 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
Matthew Ellis
Director, TOSMC UK Ltd
Sanjeev Jeyakumar
CEO, Lenkie
Demand for reactive and planned maintenance keeps climbing, and TOSMC's next move is growing its national contractor network without cash flow holding it back. With the facility behind them, Matthew and the team can keep saying yes to new jobs and new clients, knowing supplier payments will move 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
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