Fund the gap between paying the bills and getting paid.
Compare working-capital finance for payroll, suppliers, inventory, seasonal peaks, new contracts and short-term cash-flow gaps.
- Start with the cash-flow problem, not a product label
- Compare term, revolving and receivables-based structures
- The repayment source matters more than the urgency
Working capital should solve a timing problem.
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.
Not every cash-flow gap needs the same loan.
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 questions
What can working capital finance be used for?
Common uses include payroll, suppliers, inventory, seasonal expenses, contract delivery and other operating costs.
What if my cash-flow problem is ongoing rather than temporary?
That needs to be identified before adding debt. If there is no credible repayment source, additional borrowing can make the position worse.
Can working capital be unsecured?
Some facilities can be unsecured or supported by business assets rather than property, depending on lender policy and the request.
Ready to check the finance options?
Start with the amount, purpose and business profile.