Blog

The average UK importer has ten overseas suppliers and purchases goods from five countries. Importing can be a vital part of driving both efficiency and growth for many businesses. However, trading internationally can require significant financial investment. Added costs in transport, insurance, import duty and taxes, as well as funding...

The vast majority of SMEs use some form of debt finance to fund their growth, and this form of finance can be offered as either asset-based lending or cash flow based lending. Both are excellent sources of funding, and can easily be used alongside each other too. Here we discuss the...

Cash flow is the lifeblood of your business. Successful cash management in business not only increases the chances of your business succeeding, but also improves your productivity, reduces debt, and increases liquidity to fund future growth. The way you tackle cash management in business depends upon the individual circumstances of...

With the rise of alternative finance, the types of debt finance available for UK businesses have increased dramatically in number. Flexible, growth-focused solutions now use advanced data and risk analysis methods to tailor their solutions directly to your needs. This gives you the flexibility to use different types of debt...

Here we talk about how the unique features of Pay4’s working capital finance facility translate into real benefits for your business. And why incorporating Pay4 into your working capital strategy will set it up for maximum prosperity and growth. Pay4 offers a flexible revolving credit facility to growing UK companies. You...

A long-term working capital strategy is a crucial part of a sustainable program of growth, especially for medium-sized businesses. Taking a long-term perspective on working capital makes your focal point the broader strategy, as opposed to tactics. You become concerned with long-term availability and utilisation of working capital, and that...

We live in uncertain times. With new business challenges arising, more is being asked of finance leaders. Yet with uncertainty comes opportunity. By strengthening their financial strategy, enhancing business processes and investing in improved efficiencies, CFOs can ride the unsettled waters, and furthermore, optimise their business for lasting prosperity. Here...

Business forecasting is an essential part of running a successful, sustainable business. Being able to predict (with as much certainty as possible) and prepare for whatever is coming around the next corner ensures that your business has the maximum chance of success. Without forecasting, you leave a great deal more...

Early payment discounts can be a proactive way of minimising late payment, increasing customer loyalty, maximising profits and improving supplier relationships. When used strategically they can strengthen the whole supply chain – suppliers can recoup cash faster to bolster their working capital, and buyers can use the savings to reinvest...

This year, securing long-term and effective finance is more important than ever for British SMEs. With proper finance in place, your business can weather uncertain economic times, launch new products, train a more highly-skilled workforce, develop more international trading links, and ultimately enhance your capacity for growth. Here we discuss why...