News
Why Fast-Growing Businesses Run Out of Cash (And What Banks Won’t Tell You)
Profitable on paper. Growing 30% year-on-year. Can't make payroll. Sounds impossible. Happens more often than you'd think. Growth doesn't solve cash flow problems. Often, it creates them. The faster you grow, the wider the gap between spending money and receiving it....
Switching Invoice Finance Providers: How to Move Without Disrupting Cash Flow
You took out invoice finance to solve a cash flow problem. Now the invoice finance itself feels like the problem. Maybe it's the cost - the fees seemed reasonable at the time, but your turnover's doubled and the service charge hasn't moved. Maybe it's the credit...
The £40,000 Problem: When Your Biggest Job Becomes Your Biggest Headache
You land the contract you've been chasing. Big client. Multinational. Exactly the kind of work that proves you're serious. Then you realise what you've actually won: 60 days until payment. Suppliers who won't wait. Payroll that's due regardless. And a cash flow gap...
When Your Lender Goes Into Administration: Why Broker Relationships Matter More Than You Think
Market Financial Solutions entered administration this weekend. Before I go any further: I know people at MFS. Good people who've built strong relationships with their clients over nearly twenty years. I know property developers and investors who've had excellent...
The Good Customer Cashflow Trap – Why your best clients might be your biggest problem
The "Good Customer" Cash Flow Trap: Why Your Best Clients Might Be Your Biggest Problem Twenty years in banking taught me something counterintuitive that most business owners never realise. Your best customers can be your worst cash flow problem. Not the difficult...
The Growth Paradox – Why Success Can Kill Your Cashflow
After 20 years in banking and four years running Shadowfax, I've witnessed this scenario more times than I can count. A business owner calls, stressed and confused. Their company is growing rapidly. Sales are up 40% year-on-year. Profit margins are healthy. Customer...
The Hidden Reality of Cashflow Timing
Most business owners focus on turnover and profit margins. But there's a silent killer that can destroy perfectly profitable companies: cash flow timing. It's not about having money coming in. It's about having it arrive when you need it. The February Reality Check...
VAT Funding: How Smart Businesses Protect Cash Flow When HMRC Comes Calling
VAT quarters arrive with clockwork precision. And for growing businesses, that quarterly VAT bill can feel like a cash flow tsunami hitting just when you least expect it. If you're nodding along, you're not alone. In my years working with UK businesses, I've seen...
If I Use Invoice Finance, Won’t People Think My Business Is In Trouble?
It’s a question we hear often: “If I use invoice finance, won’t people think my business is nearly bankrupt?” Let’s be honest — there’s a lingering perception that invoice finance is a last resort. That it’s only for businesses in distress, struggling to stay afloat....
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