Finance solutions
Working Capital Finance
Short to medium-term funding that keeps day-to-day operations running smoothly, covering the gap between paying suppliers and staff and getting paid by customers.
Get started
Often suits
- Seasonal businesses with uneven cash flow
- Companies taking on larger orders or contracts
- Businesses waiting on long customer payment terms
Typically used for
- Paying suppliers and staff while waiting for customer payments
- Buying stock ahead of busy periods
- Covering seasonal dips in income
- Funding the start-up costs of a new contract
Most growing businesses hit a point where cash going out arrives before cash coming in. Working capital finance bridges that gap so you can keep paying suppliers and staff, take on new work and avoid missed opportunities.
Choosing the right facility
The best option depends on what is causing the cash gap:
- Waiting on customer invoices? Invoice finance releases cash tied up in unpaid invoices.
- Buying stock ahead of sales? A stock or trade facility may fit.
- A one-off gap? A short-term business loan may be simplest.
- Ongoing peaks and troughs? A revolving credit facility lets you draw and repay as needed.
We look at your cash cycle with you and suggest the options worth considering.
Questions about working capital
What types of working capital finance are there?
Common options include short-term business loans, revolving credit facilities, invoice finance, stock finance and merchant cash advances. The right choice depends on why the cash gap exists and how quickly it will close.
How quickly can working capital be arranged?
It depends on the lender and product. Some short-term facilities can be arranged within days once a lender has everything it needs; larger or secured facilities take longer.
This page gives general information, not financial advice. Finance is subject to status and each lender's criteria. Bridgemead Finance is a broker, not a lender.
Other finance options
Ready to see what your business could borrow?
Tell us what you need in a couple of minutes. It is free, there is no obligation and enquiring does not affect your credit score.