Business Lifecycle Funding
Cash is everything in business; it provides opportunities for growth and development and allows your business to function sustainably. At one stage or another, most businesses may need funding support, whether for planned activities to support strategic delivery such as property purchases, investing in assets or expansion, or unplanned short-to-medium-term cash flow solutions to fund upcoming VAT or tax bills or provide working capital.
Book a callLifecycle supports incorporated businesses at all stages
New Starter Stage
Early Stage
Growing Stage
Established Stage
Mature Stage
Our business lifecycle funding aims to help companies of all sizes and sectors access the cash they need to flourish, at any stage of their strategic journey. We take a bespoke approach to every funding enquiry we receive, and through our corporate funding partners have access to over 100 top-tier lenders to provide the right solution that fits your business model and its unique goals.
When you are referred to our specialist funding consultants, we'll take you under our wing to inform you of the many options available to your business and help you through what can be a daunting process, a service we pride ourselves on.
Business loans
Unsecured commercial loans help businesses across all sectors to meet their strategic development goals by providing finance for many different purposes.
We work exclusively with limited companies, and our partners have years of experience providing solutions to limited companies, helping them fulfil their potential.
Why you might need it?
- Cashflow
- Working capital
- Buying assets
- Consolidation
- Marketing
- Expansion
- Development
- Acquisition
- Director Buy/in
Key benefits:
- Terms from 3 months to 5 years
- Capital amounts from £5,000 to £1m+
- Same-day decisions in some instances
- Dedicated account management
Book a call with us today to discuss Business Loans
VAT/Tax Bill Funding
VAT and Tax funding loans are becoming increasingly popular for SMEs, helping businesses of all types cover corporation tax and other tax and VAT-associated bills.
Perhaps your VAT or tax bills have snuck up on you, or you might have insufficient funds to meet the bills on time. Or, you may want to spread your VAT repayments and tax bills, releasing crucial working capital that can be used for business growth.
Why you might need it?
- Pending VAT bill
- Corporation tax bill
Key benefits:
- Manage your cashflow spikes by financing each quarter's VAT bill and repaying in three equal instalments.
- Tax bills can be financed over 12 months, and in some cases, we can also offer a longer-term for corporation tax (up to 60 months).
Book a call with us today to discuss VAT/Tax Bill Funding
Asset Finance
Investing in new equipment is an investment in your business and its future growth. Several variations of asset finance are in the market which may be suitable for your business:
Lease purchase
Straightforward asset funding that guarantees ownership at the end of the repayment term. VAT is usually paid in full, in advance, and the remaining monthly payments are fixed.
Finance lease
With finance lease, you could spread your VAT costs over the monthly repayments to improve your cash flow, and there are ownership options at the end of the repayments. A finance lease offers accelerated tax relief and can be more tax efficient when compared to Lease Purchase.
Asset refinancing
Financing assets instead of using your capital to purchase can be a tax-efficient way of purchasing new vehicles, machinery and equipment. If you have already purchased assets, then refinancing may be able to release essential capital back into your business.
Why you might need it?
- Buying new equipment
- Buying second-hand equipment
- Refinancing current equipment or assets
Book a call with us today to discuss Asset Finance
Invoice Finance
Waiting for invoices to be paid can really harm your cash flow. Many long-standing clients may have built up longer payment terms of 60-90 days, but your business incurs costs daily. Financing a proportion of your invoices can provide much-needed capital to ensure you can pay for the upfront costs of delivering a project. If your company is part of a supply chain, at any point, you may need invoice financing to ensure the chain isn't broken.
Why you might need it?
- For example, a cosmetics company gets an order from a large retailer, they need to pay for materials upfront as it is much larger than previous orders. However, their terms mean you won't be paid until 60 days after delivery. Financing 80% of this invoice upfront will ensure you can buy materials and pay staff to deliver the project.
- A company has invested heavily in their business development and has built up a large portfolio of orders for the coming year. They are all invoiced and have different payment terms, but work needs to start. There is 80% of the year's turnover tied up in these invoices, and if they wait for the cash flow to be available, they won't be able to deliver the projects in time. Financing these payments regularly provides the business with a monthly income and allows it to grow sustainably.
Key benefits:
- Manufacturing companies
- Logistics companies and outside service providers
- Laboratories and factories
- Supply chain companies
Book a call with us today to discuss Invoice Finance
Merchant Cash Advance Funding
Are you a business that relies on monthly sales and uses a payment system such as a card machine or online payment service? A merchant cash advance is a flexible form of funding that unlocks future cash and enables you to use it now. If you can prove 6 months of solid trading, a merchant cash advance could provide critical funding to grow your business.
You pay your advance back as you earn, so the more you earn, the more you pay back, but if sales dip, so do your payments. This can be a great option for retail, e-commerce or other businesses that observe seasonal sales trends.
Who may need it?
- Clothing Retailers
- Online Retailers
- Salons
- Online subscription companies with monthly payments
Why you might need it?
- Stock purchases
- Expand your team
- Upgrade services or equipment
- Cash Flow
- Wages
