Cashflow Finance
Finance to help manage the gap between money going out and money coming in
Cash flow is critical to every business. Even profitable businesses can experience periods where they need additional funding to bridge the gap between paying suppliers, staff and other costs and receiving money from customers.
BAT can help businesses explore commercial finance options designed around their cash-flow requirements.
When might Cash Flow Finance be needed?
Cash-flow funding may be considered for a variety of reasons, including:
- Managing a temporary cash-flow shortfall
- Funding business growth
- Waiting for customers to pay
- Purchasing additional stock
- Meeting seasonal increases in demand
- Taking on larger contracts or orders
- Managing unexpected business costs
- Funding expansion or investment
- Supporting working capital during a period of change
Finding the right solution
There is no single type of finance that suits every cash-flow requirement.
Depending on the circumstances, potential solutions could include:
- Working capital finance
- Invoice finance
- Revolving credit facilities
- Unsecured business loans
- Asset refinancing
- Merchant finance
- Other commercial funding solutions
The right option will depend on the reason for the funding, the amount required, how quickly it is needed, the business’s financial position and how the borrowing will be repaid.
Cash Flow Finance vs Invoice Finance
Invoice finance can be an effective way of releasing cash tied up in unpaid customer invoices, but it isn’t necessarily right for every business.
Some businesses need funding for a specific short-term requirement, while others need a more flexible facility to support ongoing working capital.
At BAT, we look at the underlying cash-flow requirement first, rather than assuming a particular finance product is the answer.
Deal First. Lender Second.
Discuss Your Cash Flow Requirement
If your business is experiencing a cash-flow pressure or you need additional working capital to take advantage of an opportunity, talk to BAT about your requirements.