Cash Flow Finance
Keep capital moving through your business when income and expenditure don't arrive at the same time.
From unpaid invoices and seasonal pressure to tax bills, new contracts and expansion, cash flow finance can provide working capital without waiting for future income to arrive.
Finance built around how your business generates income.
Different funding structures suit different cash cycles. We look at what is creating the requirement, how your business trades and how the funding will be repaid.
When cash flow doesn't match opportunity
A profitable business can still experience pressure when money leaves before customer income arrives. Funding can help bridge that timing gap without putting growth on hold.
Growth & Expansion
Fund the costs of expansion before the additional revenue generated by that growth reaches the business.
New Contracts
Cover labour, materials or supplier costs required to deliver new work before your customer pays.
Seasonal Cash Flow
Manage periods where revenue naturally rises and falls while core business costs continue.
Slow-Paying Customers
Release working capital tied up in invoices rather than waiting for standard customer payment terms.
Tax & VAT
Spread a significant tax liability rather than absorbing the full payment from working capital at once.
Stock & Suppliers
Purchase stock, secure better supplier terms or meet upfront costs ahead of future sales.
Different cash flow problems need different solutions
Select a funding route to see how it works and the circumstances in which it may be useful.
Business Loans
A defined amount of capital, usually repaid through regular instalments over an agreed term.
Business loans can provide funding for expansion, strategic projects, large purchases or wider working-capital requirements.
Invoice Finance
Turn outstanding customer invoices into working capital rather than waiting for normal payment terms.
Funding availability is linked to eligible invoices, meaning the facility can potentially grow as sales and your debtor book increase.
VAT Finance
Spread a significant VAT payment over an agreed short-term period rather than paying the liability entirely from available cash.
This can help protect day-to-day liquidity when quarterly VAT obligations coincide with other business expenditure.
Merchant Finance
Funding based on debit and credit card turnover, with repayments typically linked to future card sales.
Because repayments can move with sales volume, this structure may suit businesses whose revenue varies significantly throughout the year.
The cash flow gap
The funding requirement often exists because costs have to be paid before the income connected to them reaches the business.
Opportunity
New work, stock, expansion or another business requirement arises.
Costs Are Due
Suppliers, wages, tax or other expenditure needs to be paid now.
Income Is Pending
Customer invoices or future sales have not yet converted into available cash.
Finance Bridges the Gap
Working capital allows the business to continue operating while future income catches up.
What is creating the funding requirement?
The most appropriate solution is often determined by where the future repayment is expected to come from.
Customers owe you money
Invoice finance may bring forward cash tied up in your debtor book.
You need a defined lump sum
A business loan may provide a clearer fixed-term funding structure.
A VAT payment is absorbing liquidity
VAT finance can spread the cost across a shorter repayment period.
Revenue arrives primarily through card sales
Merchant funding may allow repayments to flex alongside card turnover.
Cash flow requirements exist across every sector
The underlying funding challenge may be similar even when the way each business generates revenue is very different.
What will a lender look at?
The information required will vary by product, but most lenders will want to understand the underlying strength and cash generation of the business.
Turnover
The level and consistency of revenue passing through the business.
Trading History
How long the business has traded and how performance has developed.
Cash Flow
How income and expenditure move through the business throughout the year.
Purpose
Why the funding is required and what it is expected to achieve.
Repayment
How the proposed facility will be supported by future business income.
Match the finance to the cash cycle.
We look at why the funding is required, how your business generates revenue and the most appropriate way of structuring repayments before approaching suitable lenders.
Speak to an Advisor
Have a funding requirement you’d like to discuss? Speak directly with one of our commercial finance advisors.
We aim to respond to enquiries
within 2 working hours.
Book a quick, no-obligation consultation with one of our commercial finance specialists — we’ll help you find the most suitable solution for your business.