Sales and cash receipts do not always arrive at the same time as wages, rent and supplier bills. Working capital funding can help bridge a timing gap, such as buying stock before a busy season or meeting costs while waiting for customers to pay.
Different ways to fund the gap
Options can include a business loan, an overdraft or revolving credit facility, and invoice finance where the business has suitable unpaid customer invoices. These arrangements work differently: some provide a lump sum with repayments, while others allow borrowing within an agreed limit.
Start with the reason for borrowing
Work out how much is needed, when it is needed and what income will repay it. A temporary timing gap is different from an ongoing shortfall caused by costs exceeding income. Repeated borrowing without addressing the underlying issue can increase the pressure on the business.
Questions to work through
- What does a realistic cash-flow forecast show?
- Could better credit control, stock management or agreed supplier terms reduce the gap?
- What are the full fees, interest and repayment commitments?
- What happens if customer payments or expected sales are delayed?
- Does the lender require security or a personal guarantee?
An unsecured loan can still require a personal guarantee. Understand the obligations of both the company and anyone giving a guarantee before committing.
How we can support you
We can discuss the business’s position, help organise relevant financial information and work with Swoop where agreed. Any detailed forecast or additional advisory work will be scoped and priced beforehand.
Funding should support a workable plan for the business, with repayment commitments that leave room for its ongoing needs.
Explore your next step
Start an enquiry with Swoop, or contact Greystone for a free initial conversation.
The portal opens on Swoop’s website. Swoop can confirm available products and the appropriate specialist route. An enquiry is not a funding offer.
Browse all funding and financial health guides
Prepared by Greystone Advisory using Swoop product information; reviewed October 2026. General information, not a personal recommendation. Greystone is not a lender. Funding is subject to eligibility, assessment and terms. We may receive commission from Swoop following completed funding. Specialist legal, tax or regulated advice may be needed for your circumstances.
