Let’s face it – sometimes business gets bumpy. And cashflow can suddenly feel like trying to fill a bath with a sieve. Enter short term secured finance: the unsung hero of business funding – and quite possibly the thing that keeps your plans from being parked indefinitely.

So, what is short term secured finance?

In the simplest terms, it’s borrowing money over a short period (typically 3 to 24 months) using an asset – like property, machinery, or invoices – as security. It’s fast, flexible, and usually less faff than a traditional bank loan. Ideal when time is tight and your business needs to move quickly.

When does it make sense?

You might consider short term secured finance when:

• A big opportunity has landed in your lap but your cashflow hasn’t caught up yet.
• You’re in the middle of a property deal that needs bridging.
• You’re buying out a business partner or chasing growth that needs quick capital.
• You’ve got HMRC breathing down your neck and need a short-term solution.

It’s not for keeping the lights on long-term—it’s the “get-it-done-now” option when you need money fast and you’ve got the assets to back it.

Not all lenders are created equal, and not every deal is a good one. That’s why working with the right broker — cough — makes all the difference. We get under the bonnet of your business, figure out what’s really needed, and then pull in the right funding match faster than you can say “short-term cash injection”.

Get in touch to discuss whether short term secured finance could help you over the next few months.