How to build a funding strategy to support your 2026 business goals

A well-planned funding strategy can play a major role in a company achieving its 2026 business goals.

Whether the focus is growth, expansion, new product launches or simply improving cash flow, having access to the right type of business finance at the right time can make or break the plans.

Having the ability to secure this funding depends on more than just having a good idea, lenders and investors will want evidence that the business is financially healthy, well-managed and capable of repaying any money borrowed.

In simple terms:

• A clear, forward-looking funding strategy will ensure a business can access the right finance when needed, without disrupting operations or missing growth opportunities.
• A reactive, last-minute approach often leads to higher borrowing costs, fewer options and missed chances to invest in growth.

There are a number of steps a business can take to build a robust funding strategy:

• Align finance needs with 2026 goals – Map out what funding will be needed and when (e.g. for equipment, hiring, marketing, or working capital).
• Diversify funding sources – Consideration should be given to a mix of business loans, revolving credit and asset finance to avoid reliance on one single source.
• Build and maintain a strong credit profile – A business credit score is a major factor in determining whether the funding gets approved, at what rate, and for how much.
• Monitor cash flow closely – Healthy cash flow strengthens the negotiating position with lenders and helps a business to avoid taking finance under pressure.
• Stay lender-ready – Keeping accounts up-to-date, financial records accurate and management reports available allows a business to apply quickly when opportunities arise.

The best advice is to be proactive.

A business needs to regularly review their financial performance and funding requirements. They should not wait until they desperately need cash to approach a lender. Engage with finance providers early, explain the 2026 plans and explore what products could best support the goals. If a company has faced challenges before, such as cash flow gaps or late payments, they need to be transparent and upfront about how they have been addressed.

It is important to remember that business finance isn’t just about solving short-term problems, it’s a tool to strategically drive growth. By planning ahead, strengthening a credit profile and staying lender-ready, a business will be well positioned to secure the funding they need on the best possible terms. This preparation can be the difference between achieving 2026 ambitions or falling short.

If you have any questions or would like to discuss more about preparing the right business finance strategy, please call us on 01993 706403 or e-mail enquiries@ngifinance.co.uk.