I first met Kevin in March 2009 and he instantly understood the issues and frustrations I had with the funding structure and poor service from our then bank funding provider. Our invoice finance facility was simply not working for a growing, dynamic and seasonal business like ours. Wow Stuff did not "tick the right boxes". Panoptic helped us to understand how the banks mistakenly saw the perceived "risk" in our business model.

Panoptic worked closely with AXS Trade Finance and directly with a number of new bank contacts they introduced and helped them fully understand the uniqueness of our importing trading model and cash flow requirements. For the first time we are confident that we now have a working capital funding structure and banking relationship that will keep pace with our growth. I was in control of the whole process as Kevin kept me fully informed of what strategic choices I had and what the probable reaction would be from the banks at each step of the process. He proved himself to be a very effective negotiator in face to face meetings with the banks and our funding rates are actually lower now than before.

I would personally recommend Kevin to any company or Financial Director that believes they have no choices when it comes to working capital funding options and getting banks to understand your real needs.

Panoptic has helped us introduce a tactical and new funding platform with our current bankers which ensure the safe expansion of this company's turnover over the next three years. We were not sure if we would have to change banks to get the facilities we thought we needed and because Panoptic operates a unique service from our perspective, we now have more confidence in our current bank than we did before.

Following an unobtrusive audit process, Kevin identified and helped us reduce contractual risk by revising and updating our Terms of Sale with customers, review our complete funding model requirements, recommend savings and go to the whole banking market to check our funding products were best value. Panoptic use their powerful Market Invitation Report, which somehow bridged the gap that exists between what we needed and what the bank wanted to lend, speed up the whole process and get the best deal for us. It's a simply brilliant idea and service.

This process has strengthened this company's future, highlighted risks we were unaware of and allowed us to control the banking process like never before. I have wanted to review my banking facilities since 1995 and never had the time to do so until Panoptic introduced themselves and explained their new ideas. I never knew we had so many choices or factors affecting how banks look at us and that we could improve our cash flow and make savings like we have.

We have known Kevin for nearly two years and his straight talking, honest approach to all aspects of business is very refreshing and effective. He delivered on his recommendations and on time.

The knowledge Kevin has of different markets has proven to be accurate and his contacts have all been professional. We would be delighted to retain Panoptic's services to ensure the smooth running of our new facilities.

I have known Kevin Johnson, Director at Panoptic Ledger Solutions Ltd for over three years now and we still work closely together every month. Kevin has provided strategic advice and support to help me grow CNC Technology turnover steadily by around 50% to date and help plan a move to a new, larger premises this year.

Kevin has been involved in all aspects of cash flow planning, introducing a good accountant and bookkeeper, some aspects of marketing and sales planning and sourcing debtor credit risk protection (credit insurance) and the general expansion strategy. We will continue to use Kevin for the foreseeable future as he allows me to expand the business with confidence.

Although CNC Technology only requires a small overdraft at present, Kevin has already met with banks and other funders and ensured we have other bank facilities approved and ready to go should we need them to fund more rapid growth and one-off large contracts when we win them.

Panoptic has offered excellent all round value to me personally and to CNC Technology as a business and Kevin is a trusted partner of CNC and appears on our website as a team member. I would recommend Kevin to any SME business that needs help with cash flow funding options, managing their bank, management support and business consultancy all wrapped up in one service.

My accountant introduced me to Kevin Johnson at Panoptic Ledger Solutions back in June 2011 after I had tried to get a small overdraft from my bank to help me with short term cash flow to pay a supplier and fund a large order simultaneously. I had also spoken to a number of other advisors and finance brokers without success before meeting Kevin.

My bank at the time was insisting on a disproportionate and high level of personal security (in Kevin's opinion), and taking their time to authorise the overdraft fully. It felt like I was been pushed into Factoring rather than letting my company have an overdraft. I was feeling under great pressure at the time as the business was potentially under threat, even though it was getting some good orders but needed to fund them.

Within a few hours of meeting Kevin, he explained why he believed the bank was reacting like it was and suggested a number of short and medium term cash flow options that suited me. The amount of stress taken off my shoulders was something I was not expecting to happen so quickly and his approach was uniquely refreshing as he worked directly for me, from my side of the table.

The short term result was a meeting with my original bank to accelerate the delivery of the overdraft money, whilst at the same time finding me a Confidential Invoice Discounting (CID) line with a new bank to fund the future growth. I chose to move banks in the end, even though I didn't have to. Kevin delivered on both cash flow problem and product. I still use the CID line now. Kevin handled all face to face negotiations with the banks on my behalf.

More recently, in February 2014, I needed to fund the purchase of a new production machine after paying cash for it, and the banks were dragging their heels again, even though it was only a £30k purchase. The rates quoted were also high through the bank Asset Finance division. Kevin organised a loan via a peer to peer lender and at much better rates within a couple of weeks and it was a simple process for me to understand.

Kevin's knowledge and contacts have a proven track record with me over three years and his friendly approach makes it easy to discuss any cash flow challenges I may experience. Most importantly Kevin provided a number of options and delivered as promised in both cases I have needed to use Panoptic.

I would highly recommend Kevin to other small business needing any kind of funding advice.

I engaged Kevin Johnson of Panoptic Ledger Solutions Ltd in June 2011, after my accountant recommended him to me as a specialist consultant that supports SME's to find funding. His banking and credit insurance background, together with his own drive and experience has provided me with a wealth of extra business knowledge as part of his engagement.

Kevin helped me to:

• Plan what cash flow "holes" potentially would exist if Aptex Ltd expanded the way I wanted to

• Arrange and find the right banks and funders to provide the right funding product for Aptex Ltd

• Clearly negotiated directly the best structure and price of funding facilities for Aptex Ltd

• Advise on the shareholding structure of Aptex Ltd, so that it protected me and helped obtain funding lines by making sure the funders understood the company structure properly

• Provide sensible, straight talking honest business consultancy advice and support at all stages of the process Panoptic follow

• Ultimately help me to grow the business at a pace to suit me

I still call Kevin regularly to check what options I have when I get ideas to help me sell Aptex products and he is my first port of call for anything related to cash flow and funding.

I would highly recommend Kevin and Panoptic for a small business to look at their funding options.