Sound familiar?
Customers are taking too long to pay.
The work is done, but wages and suppliers fall due before the money arrives.
The situation
A profitable business can still run short of cash between sending an invoice and receiving payment. It matters whether customers reliably pay later, invoices are disputed or there is a risk the money will not arrive at all.
What might be worth exploring
Funding may help cover trading costs while you wait, potentially using eligible unpaid customer bills as a basis for releasing cash. We would look at your payment cycle, customer mix and the amounts owed to understand what could fit.
What to think about
We'd consider which customer bills could support funding, the costs and how collections would work. Responsibility for unpaid bills depends on the arrangement. Bad debt protection may be included or available separately, subject to exclusions, and disputed bills may not be covered.
How the conversation starts
How do you bill customers, how long do they take to pay and which costs come first? That gives us a starting point for understanding the gap.
Understanding your options
Every lender approaches funding differently. We'll explore the options available, including how the borrowing could be structured and whether any security or guarantees are needed. You'll know what's involved before making any decisions.
No product name needed
Not sure where you fit?
Tell us what you are trying to do, or what needs to change.