What is the lifeblood of your business?

This is in an interesting question and you will very likely get a range of different answers influenced by individual circumstances and priorities at any given point in time.

Many would argue that working capital is the lifeblood of any business as it has a direct influence on a range of factors including:

• Ability to pay expenses
• Business growth
• Ability to negotiate favourable terms
• Managing seasonal fluctuations
• Coping with one off events

To coin an old phrase ‘Cash Is King’!

Traditional financing arrangements for businesses such as a commercial loan or an overdraft are well understood and continue to be relevant, however they can also be restrictive due to security requirements and terms not matching changing business needs.

WHAT WE CAN OFFER

Our experienced finance brokers have access to a range of facilities that can be tailored to meet your needs and maximise the availability of working capital in your business.

Insurance Premium Funding – Spreads the annual expense of your premiums over 12 months.

Debtor Finance – Provides you immediate access to cash rather than waiting up to 90 days to collect your invoices and is often used as an alternative to an overdraft in a growing business.

Trade Finance – Finances the purchase of trading stock which is repaid from the subsequent sale. Options are available that do not require additional security.

Rental – Provides options to upgrade equipment both mid and at end of term to ensure your business has access to the most up to date technology.
Software Funding – Software can be financed in its own right for up to a three year term to reduce the impact of a one off expense.

Performance Bonds – An alternative to the traditional fully secured ‘Bank Guarantee’ a bond can be used to meet contract retention conditions and release cash back to the business.

Equipment Finance – Provides certainty with a fixed rate structured in line with the effective life of the asset which is the security for the loan. Don’t fall into the trap of using working capital to fund a ‘long term asset’.

In addition to these specialised solutions, commercial property loans are also available over terms up to 30 years without the need to complete regular lender reviews or security revaluations.

Curious about what’s available for your business? Contact us today – we’ve got the options and expertise to secure the tailored finance to suit your needs and cash flow.