Keeping cash moving.

Cash is king. We understand that many businesses will, from time to time, require additional working capital in order to maintain and improve cash flow. Facilities in this area come in many forms — loans, asset finance, invoice finance, overdrafts — we have experience of them all.

The right facility depends on the shape of the business. Seasonal trade, long payment cycles, growth outpacing cash collection, stock build for a big order — each calls for a different structure. We look at how money actually moves through the business, then build a facility around it. That often means a combination: a term loan sitting alongside an invoice facility, or asset finance freeing up cash for stock.

High-street banks are one option. Challenger banks and non-bank lenders are now a far bigger slice of the market, and they often move faster and price better for the right deal. We know who's lending, at what rates, for what kind of business.