Cashflow crunch: when waiting 90 days for payment just won’t cut it

You’ve smashed out a huge order, the team’s grafted overtime, and the invoice has gone in. Victory pint? Not quite. Your shiny new customer is on 60- or 90-day terms… and payroll’s due in 30.

Sound familiar? You’re not the only one. For many North East businesses, the gap between doing the work and actually getting paid can be scary.

But here’s the good news: invoice finance exists precisely for moments like this.

Even the healthiest businesses get caught out by cashflow. It’s not always because you’re in trouble – in fact, it usually happens because you’re growing. Bigger contracts mean bigger invoices, and bigger invoices often mean longer payment terms. And when you’re waiting on slow-paying customers while trying to keep suppliers, staff, and HMRC happy, it’s enough to make even the calmest business owner twitchy.

Enter invoice finance: your cashflow safety net

Invoice finance unlocks up to 90% of your unpaid invoices. No waiting, no desperate calls to the bank manager. Just the cash you’ve earned, in your account, ready to use.

Here’s what that means in the real world:

• Payroll sorted – no more robbing Peter to pay Paul.

• Suppliers happy – pay them on time and maybe even bag a discount.

• Growth back on track – invest in new staff, equipment or contracts without waiting for someone else’s accounts department to catch up.

We recently helped a long-standing client expand internationally – they were already successful in the UK, but their US and Canadian growth opened the door to Australia. The snag? They needed cashflow to match their ambitions.

We found them a global funder who provided a £200,000 invoice finance facility, giving them the working capital to scale without losing momentum.

See more cashflow deals here.

If you’re tired of juggling invoices, chasing payments, and wondering if this is just “the way it is,” it’s not. Invoice finance can give you breathing space – and a clear path to growth.

Talk to us today – we’ll take a look at your cashflow, explain your options (jargon-free), and help you decide if invoice finance is the right fit.