Compare working-capital finance for payroll, suppliers, inventory, seasonal peaks, new contracts and short-term cash-flow gaps.
A growing trade business had payroll due before two large invoices cleared. We used current bank conduct and contracted work to support the request, giving the business the buffer to keep jobs moving.
The best structure depends on why cash is short and when the business expects it back.
Cover operating expenses while waiting for customer receipts.
Buy stock before the revenue from that stock is collected.
Fund labour or inputs required before milestone or customer payments arrive.
A short term loan, line of credit or invoice facility can solve very different problems.
| Need | Possible structure | Why |
|---|---|---|
| One-off purchase or defined gap | Term loan | Clear amount and repayment horizon. |
| Recurring seasonal or supplier gap | Line of credit | Draw and repay repeatedly. |
| Cash tied up in B2B invoices | Invoice finance | Funding grows with eligible receivables. |
Common uses include payroll, suppliers, inventory, seasonal expenses, contract delivery and other operating costs.
That needs to be identified before adding debt. If there is no credible repayment source, additional borrowing can make the position worse.
Some facilities can be unsecured or supported by business assets rather than property, depending on lender policy and the request.
Start with the amount, purpose and business profile.