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SME Cashflow Finance

Capitalise on your positive cash flow

The dynamics of British industry have changed. Many businesses, such as those in the service and knowledge sector, don’t have access to physical assets such as bricks and mortar assets which are traditionally used as security for conventional bank lending.

So, we can take a different approach to business borrowing. We look at the bigger picture.

We consider your cash flows to help us understand your true business potential. We can assess the strength of your business cash flow statements, both current and projected, rather than just the tangible assets on your balance sheet.

What is Cashflow Finance?

With Cashflow Finance you borrow against the cash you’ve consistently generated and your projected future cash flows (based on current and pipeline contracts), rather than against the value of your physical assets.

By borrowing against your future cash flows, you can achieve business growth without reducing the cash resources in your business or diluting your equity.

Who is it for?

Every business needs some level of finance to grow. Many SMEs face a barrier to accessing finance, either from lacking or having exhausted their traditional physical assets used to borrow against. Cashflow Finance could be considered as one of the sources of finance for a business.

How it works

We look at the cash your business has consistently generated over recent years and your expected future cash flows (based on current and pipeline contracts).

If we feel your sustainable cash flows provide capacity for growth, then we’ll help you make the most of it with our Cashflow Finance.

Our flexible finance packages are structured to suit you and are based on an understanding of the bigger picture of your business needs. It can include term debt and/or committed working capital facilities.

The benefits?

  1. We consider your record of profit generation when we appraise debt capacity
  2. Repayments are based on your predicted cash generation and affordability
  3. You can access funds without diluting your equity
  4. Various loan terms are available typically up to five years
  5. We can tailor what we offer to suit your individual requirements

Qualifying criteria and terms and conditions apply.

Why choose Cashflow Finance?
  • Could help you to secure a new contract
  • Could help you to grow your team
  • Could help you to expand into new markets
  • Could help you to unlock some of the capital value in 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 Clydesdale Bank?

At Clydesdale Bank we’re flexible in our approach to business lending. We’re committed to providing finance and support for businesses. We can structure an optimal finance package, whether that’s based on your business cash flows and/or the tangible assets available within your business.

Our experts are on hand to offer dedicated support and help make your plans a reality.

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.