Raise Business Finance For Your Business NOW
“I started the business using our savings and have a small overdraft and bank loan but cash is containing our growth and now the bank have put us on notice that they want to terminate the overdraft. I want a funder who loves to do business with my business!”
We often hear business owners saying this type of thing. The single biggest reason small to medium sized enterprises in the UK struggle to grow and flourish is inadequate funding and cash flow, ujsually combined with a poor understanding of financial systems and control.
In our experience, business owners, shareholders and directors have been badly let down by the traditional lending model and the high street banks. Business banking for most SMEs is nothing more than a process and clearing facility for money in and money out.
Frankly it is embarrassing to ask a so called “business manager” at branch level for a loan when they have no real clue about what it takes to operate a business or even have the authority to make the decision. All too often “computer says no” or “Yes - subject to putting your home on the line as security.
The World of Business Finance has Changed
The world of business finance has changed and the enterprising business owner, shareholder or director has many more choices and opportunities to secure funding for his or her business.
Most successful high performance businesses have a well capitalised and funded operation and the funding is the critical success factor in many business models. So if you're struggling, stop blaming yourself and ask 4R for some help to identify if, and how, better funding could make the difference.
We have access to a wide range of business funders, and understand what they like and don't like and what you need to do to secure funding.In this way, we save our clients time and disappointment by ensuring we match your their with the right funding solution.
Funding Solutions include:
Equity Investment - Do you need structural funding of the long term to develop the business model? Business Angels with money to invest are happy to provide expertise, and experience and of course money in return for some ownership of the business.
Peer to Peer - Peer to Peer Lending is an increasingly popular method of borrowing. Indeed, the Peer to Peer Finance Association predicts the total borrowed by businesses and consumers in this way by the end of 2015 will be £4 billion – almost double the figure from 2014. Is it right for your business?
Commercial Finance - Are you growing your sales base and need funds to help fund that growth gap. If you have a sales ledger and have outstanding invoices you can get up to 80% of the invoice paid within 24 hours.
Spot Finance - You may not want anything more than a short term cash injection and therefore we can arrange for commercial finance to provide up to 80% of your invoice(s) as a one off rather than an ongoing funding arrangement or even for just one invoice for a month as and when you need the cash.
Trade Finance - Do you buy and sell goods and need to finance the purchase of stock from a UK or EEC or overseas supplier, but need to make a pro forma payment? Trade finance is designed to fund the purchase of stock or raw materials and provide payment to suppliers.
Short term Loans - We have a panel of trusted and vetted short term funders who provide short term loans for a few weeks to fund items like a supplier payment or payroll
Asset Based Lending - If you need funds to purchase capital equipment such as cars, computers or equipment we have a panel of lenders who specialise in asset based lending
Credit Card Processing - If you process a large number of credit card transactions we can arrange loans based on clawing back a % of future card transactions, this works well for retail and e-trader clients.
Enterprise Loan Guarantee - The loan guarantee provided by HM Treasury to UK Banks helps secure and grants significant bank lending for qualifying businesses. Securing an ELG and grants is complex and time consuming so it helps to speak to experts.
At 4R Business Recovery, we are passionate about ensuring our clients can have access to raising the type of Business Finance they need for funding and investment and that they have the skills and support to manage the financial control function for their business.
We can provide interim Finance Directors and we also work with the senior teams of all the major high street banks, private banks, and commercial lenders. Through our partnership with Incubator Capital Partners and The Finance Centre and 360 Finance, we can introduce you to investors and funders who are looking for solid investment opportunities.
Many businesses struggle from cash flow problems and we have helped hundreds become stronger, more focused and generate better profits and cash. Not only will we help you now but we will also ensure that your business is stronger for the future.
Get in touch and have a chat with one of our friendly experts that are here to help you on 0800 0385 140.