Borrowing can fund growth, smooth seasonality and bridge large orders. Problems start when visibility slips, costs jump, or deadlines are missed. The goals are simple: know your obligations, keep head room and act early.
We have put together a guide that sets out practical steps for you to follow: how to build a 12-week cash view, set a rational payment order, handle late payers, and engage lenders and HMRC before issues escalate.
It also outlines short-term cash actions, when to consider formal options and the habits that reduce reliance on expensive borrowing. Use it as a checklist, review monthly and adjust your model.
Further reading
For help with securing the borrowing you need, take advantage of our corporate finance service. Find out more here >
