Touch Financial
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Small Business Finance for Better Cash Flow

Maintaining good cash flow is a major concern for small business finance. It does not matter how profitable an organisation is on paper; running out of money means running into serious problems.

This is why cash flow forecasting is a vital management tool. But all forecasting can do is highlight potential problems before they happen. Extra measures need to be taken to prevent a cash shortfall from becoming a trigger for problems, including potential business failure.

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Finance Options for Small Businesses

There are a number of ways for businesses to plug the cash flow gap. The main alternatives are listed below:

  • Invoice Factoring — This extremely popular solution comes with the added benefit of outsourced credit control, releasing valuable resources to focus on running the business instead of chasing debts.
  • Bank Overdraft — An arranged overdraft facility can be a useful when short term cash flow pressures make it necessary to dip into the red.
  • Business Credit Cards — These can provide very short term benefits but can also be very expensive. They can be a useful way of making on-the-spot purchases without immediately impacting cash flow but need to be part of a broader financing strategy.
  • Fixed Term Loans — This can be an effective way to borrow larger sums that are repayable over a fixed term, which helps with cash flow planning, but repayment schedules can be inflexible.
  • Asset Finance — If a business needs to make substantial capital investment in plant or machinery it is possible to turn the purchase into a finance arrangement, effectively spreading the cost over time and smoothing the impact on cash flow.
  • Invoice Discounting — Another popular small business finance solution that effectively eliminates the gap between raising an invoice and waiting for payment, which can take up to 90 days.

Cash Flow Finance Advice From Touch Financial

We have years of experience dealing with small business finance. As the UK’s leading commercial finance broker we have worked with thousands of organisations, helping them to find the most cost-effective way to plug their cash flow gap.

Our approach is to build long-term relationships with our customers. We want to understand your business and your needs because it is in our interests for you to be successful.

We work with a wide range of lenders, from big names such as Lloyds TSB Commercial Finance right through to niche specialists, and we are entirely independent of all of them. This gives us the confidence that we can find the right solution to your borrowing needs.

Our customers benefit from our knowledge and experience free of charge, because our service costs them nothing. If you want to know more about how Touch Financial can help you, free of charge, why not give us a call right now?

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