ABOUT WORKING CAPITAL LOANS
“Cash is king. Use it wisely”.
When working at a start-up or small business, you wear a lot of hats. But there comes a time when doing the bookkeeping, fundraising, marketing, and customer service may start to wear on you — and your business. If your small team is doing too many things, something will eventually fall through the cracks and compromise your business model.
Some businesses choose to invest their money in their talent, believing that this is one way to keep their business competitive and innovative. This can be a great move if there is a clear connection between the hiring decision and an increase in revenue. But if having an extra set of hands around helps you focus on the big picture, that alone may be worth the loan cost.
Regardless of the exact reason you are considering a business loan, the point is this: If, when all costs are factored in, taking out the loan is likely to improve your bottom line — go for it. If the connection between financing and a revenue increase is hazy, take a second look at whether taking out a loan is your best choice.
You want to be confident in your ability to pay back a business loan over time and to see your business succeed. Every business decision involves taking a risk. But using a loan could be the right step in moving your company forward.
Benefits
- You need finance that cannot be covered by Leasing.
- You are building credit for the future.
- You want to purchase more inventory.
- You have found a business opportunity that outweighs the potential debt.
- Your business needs fresh talent.
- Improve the working capital of the business
The result?
Well, we believe using a working capital loan can get your business through to the next stage. That could be by improving liquidity to both expand and when times are tough getting you to the other side intact.
What we Offer
* Loans from 12 months to 5 Years
Q&As
Common questions
Why use a finance broker?
In a nutshell, we can survey the whole market and get the best solution from a host of providers, and taking all the work out of trying to find the right funding solution.
What is the benefit over using my bank?
Your bank is your companies core working capital line. It might be required for a rainy day, covering payroll when a debtor is late paying so don’t tie up all your credit with the bank on your equipment finance when this can be sourced through a third party leaving your bank facilities free for emergencies or smoothing the general working capital of the business.
Are the agreements fixed monthly payments?
Yes, all the finance we offer is fixed rate ensuring the business can budget.
What do people mean when they say Leasing is Assured?
In simple terms, a bank can call in the overdraft and, loans on demand even if you have been making the payments on time. But leasing once agreed is set and can never be called in if the payments are being met giving the business peace of mind.
We have paid cash for the equipment and wished we had financed. Can we still finance this?
Yes, this is known as Sale and Leaseback. For equipment up to 12 months old we can finance the full balance. For older equipment, a valuation can be sort and a lend against the current value can be looked at.
How, long does it take to arrange the finance?
If the equipment is available for immediate delivery, we can look to sort the finance out in 48 hours.
CASE STUDIES
Explore our related projects
Frame manufacturer based in Cardiff
Our client is the leading Karting track operator in England, requested that we assist with the opening of their London site to service clients in the center of London.
Distributor of Work Clothing in Warwickshire
We have worked with this group since their formation, providing all their I.T. infrastructure and software to get the business operational
Manufacturer of Leather Goods in Somerset
A dealership with a £100m turnover based in the UK, promotes a range of manufacturers brands. The company operate from multiple sites and we have worked with the group over the last 10 years.
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Work with us!
We can help you resolve difficulties and find ways to accomplish your projects.