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Small Business Cash Flow Loans

Small Business Cash Flow Loans
Wednesday, March 27, 2019

Businesses, cash flow, supporting the England football team, and life all have one thing in common – they have their ups and downs. Sometimes, it feels like you’re constantly fighting fires running your company. Cash flow is, arguably, the most important business performance metric in any firm and when cash flow is tight, the effects are felt across every area of an organisation.

In this article, the Panthera team will explain what a cash flow loan is, who they are for, and how you can use them to give your business the boost that it needs to trade comfortably.

What is a cash flow assisting loan?

A cash flow loan is a short-term solution for any business facing cash flow difficulties. They normally come in the form of an unsecured loan from a private source (for example, a specialist internet-based lender) rather than a bank. With this type of loan from these types of lenders, none of your personal assets will be at risk(*) but the interest rates will be much higher.

Who are these loans aimed at?

These loans are for generally healthy businesses experiencing cash flow difficulties.

You might be asking yourself “why would a successful business be facing cash flow difficulties?” When clients don’t pay their invoices on time even though you might be hitting your sales targets month after month. you may find that there’s no enough money in your bank to meet your outgoings.

This is why even the most successful businesses can face cash flow troubles. But that’s not the only reason you might want to take out a cash flow loan.

For example, if you have a big event planned (like a trade show that may cost you £10,000 all in with stand fees, displays, and so on) and you want to make sure that you can continue to meet your outgoings having invested available funds on such a one-off expenditure, then a cash flow loan might be the answer.

Cashflow loans can be used for making sure that your business is financially secure while waiting for customers to pay their invoices but they can also give you a level of comfort when you’re making speculative investments in the future of your company.

What are the benefits of these loans?

As we mentioned earlier, cash flow problems affect your business in every area. If you have a plan that’s all lined up and ready to be executed but you find that your customers seem to be holding payment of invoices back en masse, you may have to delay or, worse, scrap that plan.

We can help

If you would like some advice about whether a cash flow loan is the right option for you and your business, get in touch with our team. We can also help you decide whether any other options are available to you to help you be able to trade with the cash you need.

In addition, before you make an application to a loan provider, our team have years of experience across multiple sectors in putting together the financial projections and management account statements lenders will want to see.

Call us today on 01235 768 561 or email for more information.

(*) Panthera tip – some cash flow loan providers may ask you to sign a personal guarantee. Always get the opinion of a solicitor before signing such an agreement because a loan provider may come after your home if your company can’t keep up repayments.

What our clients say

For us, there is nothing better than a happy customer. Here are just a few that let us know how much we mean to them.

Pete Dungey

Simple, efficient and most importantly, hassle-free.

We found Panthera via our search for a Xero expert. We knew the software we wanted to use, and needed a forward-thinking accountancy partner who could get us up and running, and teach us the ropes moving forward. Tory and her team have always been on hand to answer our questions, and help us to grow as a business, particularly during periods of big change, such as becoming VAT registered. They are always on hand to alleviate any concerns and help to keep our records in order, which makes our year-end accounts an absolute breeze! Being based in Bristol, our relationship is entirely email based, alongside one consolidation meeting at year end - this keeps things simple, efficient and most importantly, hassle-free.

Pete Dungey Kaleido Grafik Limited
Anita van Eijndhoven

Talk Our Language

The support and service we receive from Panthera Accounting is very good. Everything from regular meetings, a prompt e mail response and the transition of our Xero software (which we find very pro active indeed) has and is all remarkably efficient. We find Panthera talk our language and make any process as painless and easy as possible.

Anita van Eijndhoven Quidne-IT
Ash & Tim Lane

Panthera brush aside the stereotype of the typical accountant

We got in touch with Panthera Accounting by way of a recommendation; we haven't looked anywhere else since. They are an extremely professional yet relaxed group of people. We were slightly daunted by the idea of accountants but Panthera brushed aside y the stereotypes. They are very understanding when answering any questions we may have. They are completely efficient, offer sound business advice, and are fantastically priced. We will continue to recommend them.

Ash & Tim Lane Starveacre Fencing
Jayne Johnson

An Asset to my Business!

The whole team at Panthera are great! Working with them has been a huge support to my growing business. They help me to understand the numbers I need to know. They give me technology solutions like Xero so that I can process things quickly and have access to my own figures. They are quick to reply, highly knowledgeable, nothing is too much trouble and as well as making sure that everything is compliant and on time, they are enthusiastic, professional and fun to work with.

Jayne Johnson Better People
John Baker

Absolute joy - they provide a first class service on every level

Working with Tory and the team at Panthera is an absolute joy - they provide a first class service on every level; from simple Xero issues through to more complicated tax enquiries, they’re always on-hand to help me get it right. I’m certainly not their biggest customer, but I’m always made to feel like their most important one.

John Baker BKR Solutions
John Castle

Professional and Friendly

I would like to say that Panthera Accounting have helped me with my business accounts for more than 4 years now. They have consistently offered an excellent competitively priced service that works both professionally and in such a friendly way that I would highly recommend them to everyone considering using their services.

John Castle Ilexanna Limited & Birch Castle Homes Limited
Jonathan Morrison

They are always there to answer queries and sort out issues

I had been with Mr Dunn for 20 years when upon his death Panthera took over the business. They now play a bigger part in the running of my business, they do all the stuff that has to be done but I don't like doing ie book keeping, VAT, wages, and returns. They are always there to answer queries and sort out issues and make sure all Tax deadlines are met. Their costs are fair, service is great and I have and would highly recommend them.

Jonathan Morrison Wallingford Builders
Pippa Scott

Professional, friendly and personal service.

Panthera Accounting have gone above and beyond the call of duty to guide and support our Company. They offer a professional, friendly and personal service that can take the stressful and sometimes frightening feelings out of running a business. They have guided us through the working of Xero and have offered “teaching sessions” on the day to day running of the accountancy package. Our only regret is that we didn’t join their team earlier.

Pippa Scott Scott's Commercial Services Limited
Sara Southey

Panthera puts the personal back in to accountancy!

Tory and her team have provided a friendly, approachable and helpful service from the start. They have delivered a quality service, above and beyond anything I could have expected. Panthera, with the help of the Xero package, have taken the stress, strain and confusion out of managing my company and personal accounts. I look forward to working with them for many years to come.

Sara Southey Bluestones Garden Design
Tracey Miller

Panthera are fantastic.

Panthera are fantastic. Always professional, going the extra mile for their clients and delivering superb service. I recommend them all the time to my clients.

Tracey Miller Bigger, Brighter, Bolder BBB

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Moving to Panthera is as easy as 1,2,3...

  1. We jump on a quick call to create the perfect service package for your business
  2. You e-sign your terms of engagement
  3. We get your authority to talk to HMRC on your behalf

And that’s it! From contacting your previous accountant, to updating Companies House with your new registered office address, let us handle all of the admin so that you can get on with running your business, safe in the knowledge that everything is going smoothly in the background.

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