Cash Flow Finance
Manage the timing gap between income received and payments due.
Cash flow finance may help manage the timing gap between money owed to the business and the outgoing payments the business needs to make.
Understanding cash flow finance.
Options may include short-term facilities, overdraft-style arrangements or invoice-based lending, subject to lender criteria and affordability.
Amworth is an introducer, not a lender. Nothing on this page is advice, an offer, or an indication that finance will be available to your business.
Real businesses, real timing, real trading patterns.
Whether it fits, and how it can be built.
General indicators only. Providers set their own criteria and reach their own decisions.
This may be worth exploring if…
- Your income is reliable but arrives later than your outgoings
- You want to avoid slowing down trading while you wait for payment
- You would rather use a short facility than delay supplier payments
Common structures within the category
- 01
Short-term facility
A defined amount repaid over weeks or months, often used for a single identified gap.
- 02
Invoice-based lending
Funding advanced against the value of unpaid invoices, repaid as customers settle.
- 03
Flexible drawdown facility
A limit that can be used as required, with interest usually charged only on what is drawn.
What a provider wants to understand before deciding.
- Purpose of the funding and how it supports the business
- Trading history and turnover
- Profitability and repayment capacity
- Existing borrowing and commitments
- Credit profile of the business and its directors
- Any security available, including personal guarantees
Costs vary by provider, product, amount, term and the risk presented. We do not quote rates on this website because pricing is set by the provider following their own assessment. Some facilities are unsecured; others require security over an asset, a debenture, or a personal guarantee. Any costs, fees and security requirements are set out by the provider in writing before you commit.
Documents worth having to hand
Checklist- Latest filed accounts
- Recent management accounts, where available
- Three to six months of business bank statements
- A short summary of what the funding is for
- Details of existing finance agreements
- An aged debtor and creditor report, where available
Nothing here is mandatory before you contact us — it simply makes the first conversation more productive.
Cash Flow Finance — frequently asked
Related finance routes
Talk through cash flow finance for your business.
Share the purpose, approximate amount and preferred timing. We will review the requirement and discuss possible next steps.