Working capital finance for UK SMEs

Working Capital
Business funding · Working Capital

Keep the business moving between money going out and money coming in.

Wages, suppliers and stock need paying even when customer receipts are weeks away. Working capital finance can bridge a temporary gap, support a seasonal peak or help deliver new orders. The right structure starts with your cash cycle and a credible repayment plan.

Send the amount required, what it will cover, when you need it and how the business will repay it.

An enquiry does not commit you to proceed. Finance is subject to status, affordability, provider criteria and approval. Fees, security and personal guarantees may apply.

Working Capital – TMS Finance

Match funding to the cash cycle

A fixed loan, revolving facility and invoice-backed arrangement solve different problems. Borrowing more than you need can add cost. Borrowing too little can leave the next payment gap unresolved. We look at the amount, duration and timing of the shortfall first.

Routes worth comparing

  • Business loan: a defined amount with scheduled repayments.
  • Revolving credit facility: access up to an agreed limit when required, subject to terms.
  • Invoice finance: cash supported by eligible business invoices.
  • Trade and stock finance: support for supplier payments and inventory.
  • Merchant cash advance: an option for some card-taking businesses; compare the full cost and deductions from sales.

When working capital funding may fit

  • A profitable contract needs wages or materials before the first customer payment.
  • Seasonal stock has to be bought before peak sales.
  • Payment terms have stretched but the underlying business remains viable.
  • An identifiable shortfall has a realistic end date or repayment route.

Check what the repayments leave behind

Compare total repayment, all fees, repayment frequency, unused-facility charges, security and guarantees. Model a weaker trading month before accepting an offer. Finance is a poor answer to continuing losses without a credible recovery plan.

Why speak to TMS?

We start with your business need rather than a preferred product. TMS Finance reviews the trading position and existing commitments, then explains realistic routes through selected lenders and finance providers. We are a credit broker, not a lender.

1

Send the business details

Send the amount required, what it will cover, when you need it and how the business will repay it.

2

Review the appropriate route

We will discuss the requirement and the information needed for a suitable provider or specialist review.

3

Check terms before deciding

The responsible provider or specialist explains eligibility, scope, costs and obligations. You decide whether to proceed.

What to prepare

Act while you still have choices

Do not wait until wages or suppliers are overdue to explain the gap. Prepare recent bank statements, accounts, existing finance repayments and a short cash-flow forecast. Tell us what changes when the funding arrives and when customer receipts are expected.

Working Capital FAQs

Answers to help you decide what to do next.

No. It describes the purpose of funding. Loans, revolving facilities and invoice finance are among the possible structures.

Some providers consider newer businesses, but options depend on evidence of trading, contracts, security and repayment capacity.

Possibly. Requirements vary by facility and provider. Understand the personal exposure before agreeing.

An initial discussion is not a lender application. We will explain the information, consent and searches needed before submitting a case.

Review my working capital options

Send the amount required, what it will cover, when you need it and how the business will repay it.

Call 0345 257 0161 or email info@uktms.com.

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Related options: Invoice finance · Revolving credit facilities