Cashflow finance
Commercial finance can also be referred to as ‘cashflow finance.’ This is because it can be used by business owners in order to strengthen their company cash flow.
There are three different types of commercial finance solution. And these include facilities such as commercial loans, invoice finance, and revolving credit as well.
Invoice finance allows you to access a percentage of an invoice’s value ahead of the customer’s payment. This is useful if your customers are paying beyond your terms.
Finally, revolving credit is like a consumer overdraft. It’s essentially a revolving loan with a credit limit. And it can therefore smooth out the peaks and troughs of trade.
What is a Commercial Loan?
Commercial loans are perhaps the most widely used (and also widely sought after) type of business finance. This is because of the simplicity, as well as the flexibility, of a loan.
They can be used for a variety of different things. You could put the money to short term investments, like extra stock. Or use it to help with cash flow, like if your waiting on an invoice.
Silver Forest brokers three types of cashflow finance and can be secured or unsecured. Each of these differ from one another in their length and their security.
Straightforward, hassle-free commercial loans of up to £1,000,000
We offer cashflow-based finance to businesses with a proven track record but unrealised potential. Our process is fast, fair and free of hidden charges.
For many businesses, getting paid isn’t the problem – it’s when. ‘Lumpy’ cash flow is a stressful experience for business owners because the consequences can include payroll delays, outstanding bills (and fines) or stagnation due to an inability to take on new clients.
We don’t judge your books by the cover (or the bottom-line)
We know a good business when we see one. We can tell from your previous 12-month’s performance data whether a loan to bolster your cashflow is all that’s holding your business back. If your application is successful, that means we believe in you and your business!
How can a Silver Forest arranged loan help?
Getting finance when you need it can be a big challenge for business owners, with traditional lenders offering plenty of strings, red tape and conditions but little in the way of fast solutions. That’s where Silver Forest can help.
Do you experience any of these challenges?
- Irregular cashflow or seasonal peaks and troughs
- Long payment terms putting pressure on your finances
- Expansion plans/growth delayed due to cash restrictions
These factors and many others are common reasons for needing a short-term injection of capital.
How it works
We want to help you achieve your goals. Fast. That’s why we offer:
- A quick decision and fast service: receive your funding in 24 hrs
- Short to mid-term borrowing: from 3 months to 12 months
Swishfund loan products are intended to:
- Enable business expansion: whether this means office equipment, recruitment, investment in infrastructure
- Help to pay unexpected bills
- Assist with working capital requirements
- Facilitate purchase of assets and stock
- Afford business growth: from hiring new staff or investing in productivity solutions
Though we are flexible, there are important and specific criteria which must be met with regards to the purpose/s of your loan. If in doubt, contact us.
To use the product, you will need to show us:
- Minimum 12 months of trading history
- Proven profitability in recent accounts & bank statements
- Registered Limited Company at Companies House
To apply you will need to send us:
- 12 month’s csv/Plaid bank statements
- Last set of full accounts
Make your business grow through the significant benefits of leasing
Fixed payments
Payments are fixed for the life of the finance. Changes to interest rates won’t affect you. This means that you can budget effectively and know exactly the ongoing cost.
Tax efficient
Do you want the asset on or off your balance sheet? At Silver Forest Finance we can provide you a finance product which suits your needs. We give you the choice of owning the title of your asset.
Increase your buying power
Sometimes your budget may not allow you to get the equipment you need, with leasing accessing the latest equipment is not a problem, by spreading the purchase you can buy more equipment now
Keep your cash in the bank
Cash flow is king for any business. Having capital tied up in what are essentially tools you use in your business is not always good. It only needs a few late payers or the social economic world to change (think COVID 19) and suddenly you can be under pressure.
The option to suit you
Every Business is different and so is every type of equipment. Therefore we tailor every agreement to create the perfect leasing solution for your business.
Get the equipment you need
For your business to be successful and productive you need the latest technology or equipment. Financing can help you access this now.
