Cash Flow Finance Solutions UK 2026
Solve cash flow gaps caused by payment delays, seasonal dips, or growth. Invoice finance, MCA, and overdraft options compared.
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Common Cash Flow Problems
- Payment terms gap: Pay suppliers in 7 days, customers pay you in 60
- Seasonal dips: Quiet winter months for tourism/retail
- Growth strain: Need stock before revenue arrives
- Unexpected costs: Equipment breakdown, urgent repairs
Cash Flow Finance Options
1. Invoice Finance (Best for B2B)
Cheapest solution at 1.5-4%
- Advance 80-90% of invoice within 24 hours
- Customer pays invoice in 30-90 days
- You receive remaining 10-20% minus fee
- Cost: £20k invoice = £400-£800 fee
2. Merchant Cash Advance (Best for B2C)
Fast and flexible - 24-48 hour approval
- Borrow 1-3× monthly card sales
- Repay via daily % of card takings (flexes with revenue)
- Cost: Factor 1.15-1.40
3. Overdraft (Best for Short-Term)
Use only when needed
- Pay interest only on amount used
- Instant access if pre-approved
- Cost: 8-18% APR
Which Solution for Your Cash Flow Issue?
- B2B with 30-90 day payment terms: Invoice Finance (cheapest)
- B2C accepting cards: Merchant Cash Advance (flexible)
- Temporary gap (under 3 months): Overdraft
- Seasonal business: MCA or seasonal overdraft
Solve Cash Flow Problems
We'll match you with the most cost-effective cash flow solution. Compare invoice finance, MCA, and overdraft options.
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