Working Capital Solutions

User with a money back in his hands and happy due to receiving working capital solutions funding.
All businesses need working capital, and typically as a business grows the amount of money it needs at hand increases. There are a variety of different funding solutions we can help you secure – check out these options:

Overdrafts

Typically arranged for a year, with interest paid on the funds utilised. An arrangement fee is charged. There is some good sense in the adage that businesses typically need an overdraft equivalent to 10% of annual turnover. If you are looking to negotiate a larger overdraft with your incumbent bank or find new bankers we can help, get in touch here.

Invoice Finance

When businesses sell products on trade terms – say “30 days from invoice” it means that they are without this working capital for a period of time, i.e. until the invoice is settled. As trade expands this can be a lot of money that the business is waiting for, and this can be solved using invoice finance- we talk more about invoice finance here.

Merchant Cash Advance

Merchant cash advances are a relatively new concept – you can borrow a loan typically £5,000 to £500,000 if you take card payments on a regular basis. At the end of the day the lender takes a small percentage of your card receipts towards paying the loan interest and repayments. The amount repaid each day will vary with your takings. You will typically need £3,000 per month in card receipts and 6 months trading records. We go into this product more here.

Stock Finance

The more you trade, the more stock you need to have rapid access to so that orders can be met and products put together. If you have money tied up in stock we may be able to source a loan either against the stock or more likely as a unsecured business loan. Get in touch here.

Professionals Sat Down

General purpose Business Loan

Sometimes you need to fund a specific project or a short term lump of cash is required to meet a bill, tax deadline or take advantage of a supplier bulk purchase discount. Whatever your need we can source short term business loans from £5,000 – get in touch here.

Asset Finance

Businesses typically need assets to function – from cars to computers and from bandsaws to boats, whatever industry you are in you will need “stuff” and “stuff” absorbs cash. Rather than pay for these assets in one lump sum it might be better for cashflow to spread the payment using asset finance. Asset finance is one of the main requirements of our clients and you can find out more about it here.

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