Cash flow is often what determines whether a business can move quickly when an opportunity comes along. Having access to funding doesn’t mean a business is struggling – it means they’re prepared to invest, grow and keep momentum without putting unnecessary pressure finances.
Construction is still seeing the highest number of insolvencies in the UK, and it’s not always down to a lack of work. With rising costs, stretched payment terms and pressure across multiple projects, cash flow is becoming harder to manage. Here’s what’s really driving the trend and how businesses are staying ahead of it.
One of the biggest misconceptions we see is businesses asking for a loan when asset finance would actually be a better fit, or vice versa. The best funding solution isn’t about choosing the most familiar product, it’s about understanding what you’re trying to achieve and finding finance that supports that goal.
A revolving credit facility gives UK businesses flexible access to working capital when they need it. Learn how it supports cash flow, growth and operational stability without relying on a fixed loan structure.
Learn how accountants plan business loans and asset finance for UK SMEs, balance cash flow and tax, and choose the right funding.
A merchant cash advance lets busy retail and hospitality businesses access funding quickly and repay it through a small percentage of daily card sales. It’s flexible, fast, and designed to support you through peak trading periods without the pressure of fixed monthly repayments.
Q4 is here. It’s busy, unpredictable, and somehow everything happens at once.
For a lot of businesses, this is the make-or-break part of the year – especially if Christmas is your peak season.
Late invoices hold back growth, put pressure on payroll, and create unnecessary stress. Here’s why they’re so damaging – and how SMEs can fight back.
The Bank of England kept the base rate steady this month, but experts predict cuts could follow. For UK businesses, this is the moment to get ahead – secure flexible funding now and stay ready for what’s next.
We’re now proud NACFB members – giving you access to trusted lenders, expert advice, and finance solutions that put your business first.
On-Site Finance Limited, registered at Trafalgar House, 223 Southampton Road, Portsmouth PO6 4PY. Company Register number is 13160088. ICO registration ZA885994 and you can check via www.ico.org.uk. On-Site Finance is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, percentage of the amount you borrow. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.
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