We sell homes that make life special.
Graham John is an estate agency that specialises in selling unique homes. They carefully select the properties they work with; selling only those that they think can be a special home for the right person or people. They understand that there is no one-size fits all and that every property they take on is special in its own way.
Graham John is the brainchild of long-established estate agent Matthew Ryde.
It is named in honour of his father Graham John Ryde, who died when Matthew was seventeen.
It was his father who instilled in Matthew the idea that it was important to find work that he loved, and for him that became estate agency. Putting people in homes that make them happy.
He has worked through good markets and bad, grown and learnt enormously and has found that one thing remains constant - the right home really can make life special.
Graham John’s philosophy is not to get you into a house that isn’t quite right for you. Nor do they sell your family home to the wrong person, or rush you into making decisions. They take each property as an individual case with its own unique quirks and charms. They match these to their buyers to make sure everyone is happy, long-term. That’s because they wan their clients to be for life, not just a sale. And because they care deeply about homes and what they can do for people’s lives.
Graham John provides a bespoke service with a personal touch.
Matthew Ryde, Managing Director, explained to us that Graham John was originally established to offer a unique service to those looking to sell their house. Whilst having many properties on their books, Matt explained that it was very difficult to project cash flow as it is extremely difficult to predict when a property will sell. Not only is it difficult to predict the sale, it is also difficult to predict the duration of the completion on the property.
Whether a property is on the market for 12 days or 12 months the cost of sale remains the same on a day-to-day basis. Money has to be spent on marketing a property, which may well be withdrawn from sale. Matt also explained that there are also seasonal cycles which impact on cash flow. It was for this reason Matt initially approached the team at Just Cashflow. Following a conversation with the team it was concluded that the ideal solution for Matt’s requirement was the Revolving Credit Facility (RCF) which would allow Matt to dip in and out as and when required to assist with the day to day financial commitments of running his business.
Since establishing the business, Matt has found the Just Cashflow RCF solution to be of great assistance as the business has grown. It has supported the business with the recruitment of great staff and the purchase of licenses require and other additional overheads. Matt commented that the RCF gave him “confidence in his cash flow”.
Whilst the business was originally established for private clients who wanted that extra service; at the end of 2017 Matt was approached and offered the opportunity to work with a corporate client. The client had researched Graham John and liked the levels of service they provided, therefore wanting their properties to be sold via such a well thought of, professional and knowledgeable estate agent; an agent who advises prospective sellers when it is a good time and bad time to sell; who advises what little changes can be made to their homes to make it a more desirable property to a prospective buyer and an agent who goes that extra mile as they believe homes make life special.
The opportunity to work with corporate client meant that as a business they had to operate in a different market and therefore there were new costs associated with working in this market place. Funding was required to develop a new marketing strategy. Several properties were being presented at any given time and whilst creating opportunities for Graham John, this resulted in additional expenditure and cash flow requirements. It was as a result of this expansion to the business Matt spoke with the team at Just Cashflow.
When he explained the situation and opportunities this meant for expanding his business the team suggested he utilised the benefits of Business Builder. Because of its malleable nature, Business Builder offers features such as payment holidays, early repayment without penalties and loan extensions can be worked into the design. It also allows customers to vary their payment terms and work their finances in line with their business needs. As a result of the corporate opportunity and the benefits of Business Builder, Matt explained he has doubled the number of sales compared to the same time last year.
Matt commented, “The decision to proceed with the new corporate client and Business Builder was a strategic and difficult decision. I still wanted to retain the private clients, being the core of our business, but the opportunity to take on the corporate clients would help us to develop and grow the business.”
He went on to say “Business Builder has allowed us to expand our business without cutting standards and levels of service – these have been maintained. This is important to us as we have grown the business organically and our business is based on recommendation.”
When asked about working with Just Cashflow Matt said that he had found the service really good. Everyone he had dealt with was very helpful and knowledgeable. He had experienced a few occasions where the process was possibly not explained fully and a little confusing, most likely due to Matt being distracted he admits, however, this was dealt with immediately. Matt went on to explain that he had a very good relationship with Just Cashflow, especially when he compared it to the relationship he has with his bank, noting he can no longer talk to a human that knows him or his business.
Matt commented, “When I speak to the team at Just Cashflow I feel like I can speak with someone who is actually interested in me and my business. No tick boxes etc. like I experience with the bank. I find that the banks are no longer approachable.“ He went on to say that “the decision process at Just Cashflow is fast. I approached my bank to extend my overdraft and was told it would be 6 months before they would even review it and it was for this reason I approached Just Cashflow.”
When asked if he would use Just Cashflow again, Matt commented “Definitely! Both the RCF and Business Builder have been crucial to our business growth. Both are easy to use and work with our business requirements. All the team at Just Cashflow have been professional and helpful and I receive a service I don’t get from my bank.”Who have we funded?
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