In a landscape where agility matters more than ever, businesses are increasingly looking beyond traditional term loans to fund growth, manage cash flow, or invest in assets. From short-term projects to long-term strategy, today’s finance market offers a range of flexible, fast-moving alternatives.
At NGI Finance, we help businesses tap into these innovative funding routes to find solutions that work with and not against their cash flow and objectives. Here’s a closer look at the key options available.
- Revolving credit facilities
Think of this like a business overdraft, without the rigid bank terms.
- Flexible drawdowns mean a business only uses what it needs, when it needs it.
- Interest-only on funds used keeps costs low when demand is sporadic.
- Perfect for seasonal businesses, or those with irregular income cycles.
Revolving credit facilities are fast to access and often come with limits that scale with a business’s turnover.
- Asset Finance
When a business needs to invest in vehicles, machinery, or equipment without upfront cost then asset finance could be the answer.
- Hire purchase – allows the asset to be owned at the end.
- Finance lease – provides the asset over a fixed term.
- Operating lease – Ideal for short-term use or fast-depreciating equipment.
This type of finance preserves working capital and spreads cost across the asset’s useful life, making it a smart choice for businesses, especially in construction, logistics, or manufacturing.
- Invoice finance
Waiting weeks for customer payments can be avoided as invoice finance unlocks cash tied up in sales ledger.
- Get up to 90% of the invoice value upfront
- Funds grow in line with sales
- Choose from factoring (with collections) or confidential invoice discounting
This solution is perfect for B2B businesses that want to smooth cash flow or fund growth without new debt.
- Merchant cash advance (MCA)
If a business takes card payments, especially in hospitality or retail, this option offers quick access to funds with repayments which are linked to turnover.
- Borrow based on monthly card sales
- Repay via a percentage of daily takings
- No fixed monthly payments, payments increase when the business is busy
MCA is popular for short-term refurbishments, stock purchases, or bridging low-season gaps.
- Refinance options
If a business already owns its vehicles, equipment, or property then they may be able to unlock cash from existing assets.
- Sale and leaseback
- Refinancing for better terms
- Debt consolidation
It’s a powerful way to release liquidity without new borrowing.
It is important to remember that not every business fits into the same financial mould and the right solution depends on the businesses goals, sector, and timing. That’s why NGI Finance takes a tailored approach, matching businesses with funding that complements their cash flow and future needs.
If a business is looking to explore options beyond traditional loans, we’re here to help. Together we can navigate the market with confidence and find finance that works based on individual terms.
To find out more please call us on 01993 706403 or e-mail enquiries@ngifinance.co.uk.
Leave a Reply