by Andy Bissett | Feb 16, 2026 | Navigating Industry Challenges, Uncategorised
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...
by Andy Bissett | Feb 16, 2026 | Navigating Industry Challenges, Uncategorised
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....
by Andy Bissett | Feb 10, 2026 | Navigating Industry Challenges, Uncategorised
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...
by Warren Coates | Feb 10, 2026 | Uncategorised
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,...
by Warren Coates | Jan 22, 2026 | Uncategorised
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....
by Warren Coates | Dec 11, 2025 | Uncategorised
If you’ve ever Googled ways to improve your business’s cash flow, you’ve probably come across the terms invoice finance and factoring. They’re often used interchangeably, which can be confusing especially when you’re trying to decide which funding option is...
