The operating cycle.
Behind the funding need.
Substantial commercial finance for established companies. Start with how the industry earns, invests and gets paid, then consider the funding structure.
Where does your
business need room?
Sector knowledge starts with the right questions, not an assumption that every business needs the same product.
Manufacturing funding. Capacity without a cash squeeze.
Production investment and sales growth draw cash at different stages. Plan the machinery, raw materials, work in progress and receivables together.
Machinery finance · Invoice finance · Business loans
Explore the funding decisions ↗WHOLESALE AND DISTRIBUTIONDistribution funding. Keep stock and cash moving.
A busy warehouse can be short of cash even when sales are profitable. Supplier terms, stock turnover and customer collections need to be assessed as one cycle.
Invoice finance · Warehouse asset finance · Business loans
Explore the funding decisions ↗RECRUITMENT AND STAFFINGRecruitment funding. Payroll ahead of payment.
Weekly payroll can fall due several times before a client settles its invoice. A larger placement book needs cash capacity as well as a sales plan.
Recruitment invoice finance · Confidential discounting · Business loans
Explore the funding decisions ↗TRANSPORT AND LOGISTICSLogistics funding. Fleet capacity. Working cash.
Vehicles generate revenue, but fuel, drivers, insurance and repairs need paying before many customers settle. Assess fleet investment and working capital separately, then bring them together.
Fleet finance · Invoice finance · Business loans
Explore the funding decisions ↗PLANT HIREPlant-hire funding. Assets that earn their keep.
Plant purchases create long commitments against income that depends on utilisation, maintenance and customer payment. Build the finance case around the working asset fleet.
Plant finance · Asset refinance · Invoice finance
Explore the funding decisions ↗CONSTRUCTION AND M&EConstruction funding. Read the contract first.
A large application for payment is not the same as an unconditional invoice. For established contractors, the contract and payment mechanism sit at the centre of the funding decision.
Application finance · Plant finance · Business loans
Explore the funding decisions ↗Combine the picture.
Separate the commitments.
A growing business can need equipment investment and working capital at the same time. The finance supporting a vehicle or machine does not automatically cover stock, payroll or the time before invoices become eligible.
Our focus is £500k+ invoice facilities, £250k+ asset programmes and £200k+ business loans. These are marketing focus amounts, not fixed lender minimums. The trading profile, assets, debtor quality and repayment case matter more than an industry label.
Use an NBS Facility Review conversation to bring the requirement, current arrangements and decision dates together.
Explore the NBS Facility ReviewA substantial requirement.
A useful conversation.
Start with a brief enquiry.
No financial documents needed to begin.