Cash Flow Finance

Late payments driving you mad? Keep control of your cash flow with a loan from Fleximize

Poor cash flow is known to be one of the biggest killers of small businesses in the UK, with late payments identified as the principal cause of cash flow struggles. According to research from the Federation of Small Businesses (FSB), one in three payments to small businesses is late, leading to the failure of 50,000 companies every year. 

It is hoped that the government’s recent appointment of a small business commissioner will ease the late-payment burden affecting British SMEs. However, thousands of small businesses still face a constant battle to maintain a healthy cash flow, which is ultimately critical to their survival.

Why cash flow finance can help

There are plenty of steps a small business can take to keep its cash flow under control, whether it’s negotiating lower prices with suppliers or implementing accounting software to automate payment processes. However, there’s only so much a business owner can do to ensure customers pay on time. Because of this, many companies are often left short of cash when they need to purchase more stock, repair a vital piece of machinery or pay their own creditors, including employees. 

A bank overdraft may provide a useful buffer for some businesses, but it can only provide financial support up to a certain limit, which might not cover the value of late payments. Overdrafts can also be prohibitively expensive and take a long time to organize, which won’t suit a business that needs a speedy and affordable solution to its cash flow problems.

In the past decade, a number of new lenders have emerged, offering products that work as viable alternatives to overdrafts, including merchant cash advances, invoice finance and revolving credit facilities. There are also companies offering a modern take on the traditional bank loan, with faster turnaround times, flexible repayment terms and less stringent criteria. 

The alternative cash flow solution

While a bank might be less willing to fund a business with fluctuating cash flows, many alternative lenders take a more qualitative approach. At Fleximize, we look closely at the underlying reasons for cash flow issues, recognizing that they’ll often be out of a business owner’s control. We also consider a company’s online reviews, reputation and average monthly revenue, with a view to building a funding package that’s tailored to its unique circumstances.

Our flexible business loans are an attractive alternative to traditional forms of cash flow finance. Here are some of the highlights: 

We don’t apply the strict criteria of banks, meaning we’ll often fund companies with minor blemishes on their credit history. As long as you’ve been trading for six months and can demonstrate a healthy revenue, we’ll happily consider you for funding. 

Get started: Apply now

Perfect for seasonal businesses

Cash flow can be a particular challenge for businesses with seasonal sales fluctuations, such as hotels. That’s why Fleximize gives businesses a choice of fixed and variable repayments. With our innovative Revenue Advance, companies share an agreed percentage of revenue with us each month until their loan is paid off in full. This means they’ll repay less in slower months – when cash flow is typically tight – and more when sales are higher.

Funding for all purposes

A Fleximize loan will provide your business with the cash it needs to pay for the essentials. Here are some of the most common purposes we see for our cash flow finance: 

  • Stock purchase
  • VAT payments
  • Securing a new contract
  • Renovation & refurbishment
  • Recruitment
  • Staff training
  • Web development
  • Machinery upgrades
  • Paying suppliers
  • Marketing & PR

  • Ben Pearson, founder of plus-size clothing retailer Big Clothing 4 U, borrowed £20,000 from Fleximize to pay for additional stock and open a new showroom. Watch the video below to find out how Fleximize boosted Ben’s cash flow, or click here to read his funding story in full. 

    Expanding your network:

    Ben Pearson used Fleximize funding to help with his cash flow

    Ready to apply?

    Applying for a Fleximize loan is a breeze – just click the button below and fill out our simple application form to get started. If you pass our initial checks, a member of the team will be in touch to take you through the final steps. Any questions? Give us a call on 020 7100 0110, and we’ll be happy to answer them for you. 

    Get started: Apply now