Cash-flow loans: finding the size of the gap
A cash-flow loan may help bridge the time between spending and receiving income. Before applying, identify whether the gap is temporary, seasonal or caused…
Business finance guides
Practical reading to help you compare funding, understand costs and prepare your next step.
Construction business loans: funding more than one project
A construction loan can support equipment, expansion or working capital, but borrowing should reflect the payment cycle of the business’s actual projects.
Longer-term business loans: balancing payment and total cost
Spreading borrowing over several years can reduce each instalment, but the longer period may increase the total cost. The right term depends on the…
Refurbishment finance: include the cost of disruption
Refurbishing business premises can improve capacity or customer experience, but the project may reduce income before it generates any benefit. Funding needs to cover…
Stock finance: borrowing against the sales cycle
Stock funding can help a business buy inventory before sales proceeds arrive. Its suitability depends on the goods, turnover speed and how reliably the…
Franchise finance: funding the full opening plan
Buying a franchise involves more than paying the initial fee. Fit-out, stock, training, staffing and early trading losses can all affect the amount required.
Finance for waste and recycling businesses
Waste businesses may need funding for vehicles, processing equipment and site improvements. The commercial case should cover the whole operation rather than only the…
Short-term business loans: useful bridge or recurring pressure?
Short-term borrowing can cover a defined cash gap, but it needs a credible source of repayment. A brief term does not make a loan…
Commercial property funding: investment or development?
Buying an income-producing property and funding a development are different lending proposals. The intended use, condition of the property and repayment source shape the…
Haulage business loans: allow for operating cash
Transport businesses need cash for fuel, drivers, insurance and repairs as well as vehicles. A loan should be assessed against the margin and timing…