Working Capital, Trade & Supply Chain Finance
Cash flow loans, trade loans and supply chain finance
Three facilities cover most working capital needs. Each funds a different point in your trading cycle, and they are often combined.
Short to medium-term loans repaid from trading, used to cover a seasonal dip, a large order, a tax bill or the cost of mobilising a new contract before the revenue arrives.
Transaction-by-transaction funding for buying goods, often from overseas. The lender pays the supplier, usually against a confirmed order or letter of credit, and is repaid when you sell the goods.
Your suppliers are paid early by a funder against your approved invoices, while you pay on your normal or extended terms. It strengthens your supply chain without stretching your own cash.
A limit you can draw on and repay as you go, sized to your working capital cycle, so that day-to-day fluctuations never become a crisis.
How working capital finance comes together
Discovery call
Lender terms provided
Funds issued
What lenders look at
Cash flow loan, trade loan or supply chain finance?
*Indicative only. Limits, pricing and security depend on the lender, the goods being traded and your customers.
Get working capital terms
Tell us how your business trades and where the cash flow pressure sits, and one of our corporate finance advisers will call you back, usually the same working day.
Client Testimonials
Working Capital Finance FAQs
Funding that bridges the gap between paying suppliers, staff and overheads and being paid by your customers. It includes cash flow loans, revolving credit, trade loans and supply chain finance, chosen according to where in your trading cycle the pressure sits.
A short-term loan that funds a specific purchase of goods, often from an overseas supplier. The lender pays the supplier, usually against a confirmed order, and is repaid when you sell the goods. Each transaction is funded separately, typically over 90 to 180 days.
Once you approve a supplier's invoice, a funder pays the supplier early and you pay the funder on your normal or extended terms. Suppliers get paid faster, you hold onto cash for longer and the cost is based on your credit standing rather than theirs.
Yes, and it often is. Trade finance can fund the purchase of goods and invoice finance can then release cash once they are sold, so the whole cycle is funded. We make sure the facilities and their security work together rather than against each other.
We arrange funding from £25k to £25m+. Cash flow loans are sized on turnover and margin, trade facilities on each transaction, and supply chain limits on your approved payables. The right amount comes from your trading cycle, not a headline figure.
No. Trade finance also works for domestic purchases of stock or components, although it is most common where goods are bought overseas and the time between paying and selling is longest.
Cash flow loans can complete within days. Trade and supply chain facilities take one to three weeks to set up because the lender needs to understand your suppliers, customers and contracts, after which each transaction is funded quickly.
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Why Ramsay & White?
Ramsay & White Corporate Finance is a trading name of Ramsay & White Corporate Finance Ltd, which is an Appointed Representative of New Leaf Distribution Ltd, authorised and regulated by the Financial Conduct Authority, FCA number 460421. Ramsay & White Corporate Finance is a credit broker and not a lender. We work with a panel of lenders to find you a potentially suitable arrangement for consideration. ICO registration ZC246341, which you can check via www.ico.org.uk. Registered address: 7 Soundwell Road, Staple Hill, Bristol, United Kingdom, BS16 4QG. Registered in England & Wales. Registration number: 17450526.
We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the application). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.