Breathing room
Cover wages and supplier bills while you wait for customers to pay.
Smooth out cash flow
Bridge the gap between paying suppliers and getting paid, or take on a larger contract without stretching the business.
Working capital
When good business stretches cash flow
Winning bigger contracts often means paying staff and suppliers long before the customer pays. That gap can put pressure on even a profitable company.
A fixed-rate loan gives the company a cash buffer to take on the work with confidence, repaid over up to five years.
Illustrative example
A company uses £75,000 to fund the early months of a large contract.
| Loan | £75,000 |
| Rate | 5.00% p.a. fixed |
| Term | 5 years |
| Monthly repayment | £1,415 |
| Total interest, paid back into your own pension fund | £9,921 |
| Total repaid | £84,921 |
Illustrative only. Equal monthly payments; your loan agreement sets the exact figures.
How the loan helps
Why directors choose it
Take on bigger work
Say yes to larger contracts without stretching the business.
Predictable cost
One fixed rate and one monthly repayment.
See what your company could borrow
Loans from £25,000 up to £500,000. 5.00% p.a. fixed. No credit checks.