Working capital and cash flow finance
Working capital and cash flow finance
Flexible funding to smooth cash flow, cover seasonal peaks and keep your business moving. Available from around £25k to £5m+ through our panel of specialist lenders.
Working capital finance helps cover the day-to-day costs of running a business, such as wages, suppliers, stock and overheads, when money coming in and money going out do not line up.
Good for
How it works
- 1
Tell us the plan
What you need, roughly how much and what it is for. No essays required.
- 2
We search our lender panel
We match your business with specialist lenders and explain the options in plain English.
- 3
You decide
Like an option? We help you see it through. If not, no hard feelings and no obligation.
The detail
So what exactly is it?
Working capital finance helps cover the day-to-day costs of running a business, such as wages, suppliers, stock and overheads, when money coming in and money going out do not line up. Options include short-term loans, revolving credit facilities, trade and stock finance, and finance linked to card takings. The right choice depends on how your business trades and where the pressure on cash flow comes from.
What can it be used for?
- Seasonal stock and staffing
- Paying suppliers upfront
- Large orders or new contracts
- Covering a gap in payments
- VAT and other bills
- Revolving facilities for ongoing needs
- Card-takings based finance
What we'll need from you
- An overview of how your business trades and its cash flow cycle
- Recent filed accounts and management figures
- Recent business bank statements
- A cash flow forecast if you have one
- Details of the directors or owners
- Details of any existing facilities
Questions
What is a revolving credit facility?
It is a facility with an agreed limit that you can draw from, repay and draw again, similar in principle to an overdraft. It suits businesses with ongoing, variable funding needs.
Is working capital finance the same as invoice finance?
Invoice finance is one type of working capital finance. Other types include short-term loans, revolving credit, trade finance and finance linked to card payments.
Can it help with seasonal peaks?
Yes, many businesses use working capital finance to cover stock and staffing ahead of a busy season. We can look at options that fit your trading pattern.
How do you choose the right type?
It depends on what is causing the pressure on cash flow. We will talk it through with you and explain the options in plain English.
Business finance only. We only help with unregulated, business-purpose lending, for example to limited companies or for business use. We can't help with regulated mortgages, consumer credit or loans secured on a home someone lives in.
Also see: Business loans · Invoice finance · Asset finance · Commercial mortgages · Bridging finance · Development finance
Ready when you are.
Get a free, no-obligation quote. Finance subject to status.