Commercial Finance
Keep your business moving. We help businesses access working capital and cashflow facilities to cover operating costs, manage seasonal gaps and fund growth without disrupting day-to-day operations.
Understanding Cashflow Finance
Most businesses experience periods where money going out exceeds money coming in. This is not always a sign of a struggling business. It is often the reality of operating with payment terms, seasonal demand, project-based revenue or rapid growth.
Working capital finance gives businesses access to funds to cover operational costs during these gaps. Rather than dipping into reserves or missing opportunities, a well-structured facility means your business keeps running smoothly while you wait for revenue to arrive.
The right product depends on how your business operates. Some businesses need a revolving facility they can draw on as required. Others need a short-term injection to bridge a specific gap. We take the time to understand your situation before presenting options.
Finance Options
There is no single product that suits every business. Here are the main structures we can help arrange, depending on your circumstances and what lenders can offer.
A revolving credit facility with an approved limit. Draw funds when you need them and repay as cashflow allows. Interest is generally charged on the balance drawn, not the full limit.
Attached to your business transaction account, allowing you to go into a negative balance up to an agreed limit. Useful for covering short-term gaps without a formal loan structure.
A fixed lump sum with a defined repayment schedule. Suited to businesses that need a set amount for a specific purpose rather than an ongoing facility.
Release cash tied up in outstanding invoices. Lenders advance a percentage of the invoice value, with funds released when the debtor pays. Covered in more detail on our Trade & Debtor Finance page.
Who We Help
Project-based businesses often face significant outgoings before payment milestones are reached. A working capital facility helps cover labour, materials and subcontractors without stalling a job.
Seasonal demand and bulk stock requirements create cashflow pressure. Finance allows you to purchase stock ahead of a busy period without depleting operating reserves.
Businesses invoicing on 30, 60 or 90-day terms can face lengthy gaps between delivering work and receiving payment. A facility bridges this gap without affecting client relationships.
Growth is expensive. Taking on new clients, hiring staff or scaling operations all require upfront investment. Working capital finance supports this without you having to wait for revenue to catch up.
The Assessment Process
Understanding what lenders look for can help you prepare a stronger application. We guide you through this as part of our process.
Most lenders want to see an established trading history. Typically this means at least 12 months of operation, though some lenders will consider businesses with a shorter track record if other factors are strong.
Lenders assess your business revenue, turnover trends and profitability to understand your capacity to service the facility. Up-to-date financial statements and bank statements are usually required.
The purpose of the facility matters. Some facilities are unsecured, others may require property or business assets as security. We can outline which options apply to your situation before you apply.
How It Works
We start with a conversation about your business, what you need the facility for and how your cashflow cycle works. This helps us identify the right type of facility before approaching any lenders.
We assess options across our lender panel, identify those suited to your business profile and present you with a clear picture of what is available before you commit to anything.
We manage the application process and keep you informed at every stage. Once approved, we work to get the facility in place as quickly as possible.
Common Questions
Every business situation is different. Get in touch and we will help you understand what working capital options are available for your business.
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