Many SMEs face a timing problem: wages, suppliers, rent, tax or stock must be paid before customers or contract revenue arrive. The right finance structure depends on whether the gap is temporary, repeating or structural.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
Useful where the business draws and repays funds as stock, payroll or supplier timing changes.
May fit a defined gap with a clear repayment event, such as contract receipts or seasonal sales.
May fit where unpaid B2B invoices are the main reason cash is tied up.
Lenders want to know why the gap exists, when it closes, and how debt will be repaid without creating a bigger problem next month.
Do not choose a product only because it is fast. Match the facility to the cash cycle. A short-term loan can be expensive if the business really needs a revolving facility or debtor-backed structure.
We organise the information, test lender fit and keep the process moving.
Tell us what has happened, what the funds are for, how much is needed and when a decision is required.
We review conduct, cash flow, security, documents and policy fit before choosing a sensible lender path.
We organise the facts into a clean submission so the lender can understand the purpose, numbers and risks.
You see structure, cost, conditions and next steps before deciding whether to proceed with a formal application.
No. An overdraft is one type of working capital facility. Other options include term loans, lines of credit, debtor finance and trade-related funding.
Sometimes, but lenders will look closely at whether tax debt is a temporary timing issue or a sign that the business cannot meet normal obligations.
A simple weekly cash-flow forecast showing when money goes out and when money comes in.
A lender needs to see what caused the gap, when it closes and how the facility will be repaid.