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Cashflow Finance for SMEs

Make the most of your positive cash flow

The shape of the business industry in Britain is changing considerably. Many companies, such as those in the service and knowledge industries, may no longer have access to the physical assets, for example bricks and mortar, which are used as security for business funding.

We can take an alternative view to business lending. We look at the bigger picture.

Rather than just considering the value of your balance sheet and the physical assets your business owns, we can review your current and projected cash flows to establish your true business potential.

What is it?

Cashflow Finance is simple. It lets you borrow against cash that your business has generated consistently taking into consideration your projected cash flows underpinned by current and future contracts. Unlike borrowing the traditional way by leveraging the value of your physical assets such as bricks and mortar as security.

When you borrow against projected cash flow it allows you to achieve business growth without diluting equity or reducing your existing cash resources within your business.

Who is Cashflow Finance for?

In order to grow, all businesses need access to finance at some point. Many SME’s can come across barriers when looking to access finance. This could be due to a lack of, or having exhausted their physical assets traditionally pledged as security. By considering Cashflow Finance to help grow your business, you could take advantage of a flexible source of finance to help your business grow.

How does it work?

If your cash flows indicate to us the capacity to support a funding package for growth, then we can help make this a reality with our Cashflow Finance.

This flexible finance package is tailored to suit your business ambitions and goals. If your cash flows indicate the capacity to support a funding package for growth then we can help make this a reality with our Cashflow Finance. We can help you plan for the future with a suite of facilities that could include term debt and/or committed working capital facilities.

What are the benefits?

  1. Tailored funding options to suit your individual requirements
  2. We’ll look at your profit generation track record when we assess your debt capacity
  3. Your repayments are based on your predicted cash generation and affordability
  4. No need to dilute your equity in order to access funds
  5. Different loan terms, typically up to five years, are available

Qualifying criteria, terms and conditions will apply.

Why choose Cashflow Finance?
  • Could help you to win new contracts
  • Could help you to expand your team
  • Could help you to expand markets locally and globally
  • Could help you to release some capital value from within your business

Get in touch

With access to the finance you need, you can confidently implement your business growth strategy. Whatever you have planned, Cashflow Finance could help you achieve it sooner rather than later.


Head of SME Cashflow Finance

Ian Hardman

Telephone:
07802370935

Email Ian Hardman


Meet our SME Cashflow Finance team

Our UK wide SME Cashflow Finance team have a wealth of banking experience and are highly skilled in structuring flexible finance packages for our customers.

Meet the team

Why Yorkshire Bank?

We can tailor our best possible finance package based on your cash flow and/or any physical assets.

Our team of experts are fully committed to providing the support and service required to help you realise your ambitions.

Lending is subject to status and eligibility.

Case Studies

The Energy Brokers Ltd

The Bank’s commitment, coupled with a speedy response, enabled The Consultus International Group to acquire The Energy Brokers in a complex buyout. The company’s management team also benefitted from the bank’s expert knowledge of the corporate finance sector. The funding package was highly flexible; combining cashflow finance based on an assessment of the customer’s current and expected cash flows, alongside an invoice finance facility.

Find out more about The Energy Brokers Ltd

Cameron-Price

Cameron-Price is a specialist injection moulding and assembly business of high-value technical components, predominantly supplying the automotive industry. Our team of automotive and acquisition finance specialists worked with Cameron-Price to deliver a customised funding package which combined cash flow loans, a property mortgage and working capital facilities.

Find out more about Cameron-Price

Air Space

Longstanding customer, Adventure Forest Limited, the leisure activites business, secured a significant funding package for the expansion of the firm’s Air Space indoor trampoline operation. The funding will be used to launch a number of new Air Space sites across the country.

Find out more about Air Space

Deal Highlights

MEL Aviation Components Ltd (MAC)

MAC is a leading specialist supplier of aircraft components with sales direct to airlines, maintenance providers and brokers’ worldwide currently supporting over 100 airlines in over 30 countries. The Bank has provided a combination of facilities totalling £2m to support the continued growth of the business.

Tritech Group Ltd

Tritech Group Ltd, a leading supplier of specialist manufacturing services to the aerospace industry has received a multi million pound funding package from the Bank to assist its growth aspirations.

APCER

Leading clinical safety operator APCER Life Sciences has agreed a new £6.3 million funding package, including term debt and invoice finance facilities with the Bank, which will be used to support the London based firm’s plans for further expansion.

CVR Global LLP

New independent specialist firm, CVR Global LLP, will provide a full range of restructuring, insolvency, financial and corporate advisory solutions having agreed a flexible funding package with the Bank.

Portico

The bank provided refinance and acquisition facilities of £10.2 million to support the growth strategy of London based residential letting and sales agents, Portico.

Pearson Hydraulics Ltd

One of the UK's leading hydraulics companies successfully completed a buy-out with funding support from the Bank. The purchase was completed after the company switched its banking.

Pipe and Piling Supplies (PPS)

PPS are pursuing significant growth plans following a management buy-out supported by a substantial funding package from the Bank.

Cameron-Price

Cameron-Price successfully completed a management buy-out after securing a multi-million pound finance package from the Bank.

Kings Security

Kings Security Systems Ltd is the UK’s largest independent security services company, serving homes and businesses across the UK. The Bank has provided a multi-million pound refinancing package to assist with the businesses growth aspirations.

Spaceright

Spaceright Europe Ltd is a supplier of educational equipment. The Bank provided a multi-million pound refinancing package which will support the firm’s plans for future development.

Battles Group

Battle, Hayward & Bower Ltd one of the UK’s most renowned animal care product suppliers is embarking on ambitious growth plans thanks to the support of a seven figure funding package from the Bank.

Alexanders Prestige

Alexanders Prestige is one of UK’s leading specialists in used luxury, performance and 4x4 cars. The Bank provided a £2.2 million funding package to continue its ambitious growth plans.