SME Cashflow Finance
Capitalise on your positive cash flow
The dynamics of British industry have changed. Many businesses, such as those in the service and knowledge sector, don’t have access to physical assets such as bricks and mortar assets which are traditionally used as security for conventional bank lending.
So, we can take a different approach to business borrowing. We look at the bigger picture.
We consider your cash flows to help us understand your true business potential. We can assess the strength of your business cash flow statements, both current and projected, rather than just the tangible assets on your balance sheet.
What is Cashflow Finance?
With Cashflow Finance you borrow against the cash you’ve consistently generated and your projected future cash flows (based on current and pipeline contracts), rather than against the value of your physical assets.
By borrowing against your future cash flows, you can achieve business growth without reducing the cash resources in your business or diluting your equity.
Who is it for?
Every business needs some level of finance to grow. Many SMEs face a barrier to accessing finance, either from lacking or having exhausted their traditional physical assets used to borrow against. Cashflow Finance could be considered as one of the sources of finance for a business.
How it works
We look at the cash your business has consistently generated over recent years and your expected future cash flows (based on current and pipeline contracts).
If we feel your sustainable cash flows provide capacity for growth, then we’ll help you make the most of it with our Cashflow Finance.
Our flexible finance packages are structured to suit you and are based on an understanding of the bigger picture of your business needs. It can include term debt and/or committed working capital facilities.
The benefits?
- We consider your record of profit generation when we appraise debt capacity
- Repayments are based on your predicted cash generation and affordability
- You can access funds without diluting your equity
- Various loan terms are available typically up to five years
- We can tailor what we offer to suit your individual requirements
Qualifying criteria and terms and conditions apply.
Why choose Cashflow Finance?
- Could help you to secure a new contract
- Could help you to grow your team
- Could help you to expand into new markets
- Could help you to unlock some of the capital value in your business
Get in touch
With access to the finance you need, you can confidently implement your business growth strategy. Whatever you have planned, Cashflow Finance could help you achieve it sooner rather than later.
Head of SME Cashflow Finance
Mark Cook
Telephone:
07917217607
Why Clydesdale Bank?
At Clydesdale Bank we’re flexible in our approach to business lending. We’re committed to providing finance and support for businesses. We can structure an optimal finance package, whether that’s based on your business cash flows and/or the tangible assets available within your business.
Our experts are on hand to offer dedicated support and help make your plans a reality.
Lending is subject to status and eligibility.
Case Studies
The Energy Brokers Ltd
The Bank’s commitment, coupled with a speedy response, enabled The Consultus International Group to acquire The Energy Brokers in a complex buyout. The company’s management team also benefitted from the bank’s expert knowledge of the corporate finance sector. The funding package was highly flexible; combining cashflow finance based on an assessment of the customer’s current and expected cash flows, alongside an invoice finance facility.
Cameron-Price
Cameron-Price is a specialist injection moulding and assembly business of high-value technical components, predominantly supplying the automotive industry. Our team of automotive and acquisition finance specialists worked with Cameron-Price to deliver a customised funding package which combined cash flow loans, a property mortgage and working capital facilities.
Air Space
Longstanding customer, Adventure Forest Limited, the leisure activites business, secured a significant funding package for the expansion of the firm’s Air Space indoor trampoline operation. The funding will be used to launch a number of new Air Space sites across the country.
Deal Highlights
MEL Aviation Components Ltd (MAC)
MAC is a leading specialist supplier of aircraft components with sales direct to airlines, maintenance providers and brokers’ worldwide currently supporting over 100 airlines in over 30 countries. The Bank has provided a combination of facilities totalling £2m to support the continued growth of the business.
Tritech Group Ltd
Tritech Group Ltd, a leading supplier of specialist manufacturing services to the aerospace industry has received a multi million pound funding package from the Bank to assist its growth aspirations.
APCER
Leading clinical safety operator APCER Life Sciences has agreed a new £6.3 million funding package, including term debt and invoice finance facilities with the Bank, which will be used to support the London based firm’s plans for further expansion.
CVR Global LLP
New independent specialist firm, CVR Global LLP, will provide a full range of restructuring, insolvency, financial and corporate advisory solutions having agreed a flexible funding package with the Bank.
Portico
The bank provided refinance and acquisition facilities of £10.2 million to support the growth strategy of London based residential letting and sales agents, Portico.
Pearson Hydraulics Ltd
One of the UK's leading hydraulics companies successfully completed a buy-out with funding support from the Bank. The purchase was completed after the company switched its banking.
Pipe and Piling Supplies (PPS)
PPS are pursuing significant growth plans following a management buy-out supported by a substantial funding package from the Bank.
Cameron-Price
Cameron-Price successfully completed a management buy-out after securing a multi-million pound finance package from the Bank.
Kings Security
Kings Security Systems Ltd is the UK’s largest independent security services company, serving homes and businesses across the UK. The Bank has provided a multi-million pound refinancing package to assist with the businesses growth aspirations.
Spaceright
Spaceright Europe Ltd is a supplier of educational equipment. The Bank provided a multi-million pound refinancing package which will support the firm’s plans for future development.
Battles Group
Battle, Hayward & Bower Ltd one of the UK’s most renowned animal care product suppliers is embarking on ambitious growth plans thanks to the support of a seven figure funding package from the Bank.
Alexanders Prestige
Alexanders Prestige is one of UK’s leading specialists in used luxury, performance and 4x4 cars. The Bank provided a £2.2 million funding package to continue its ambitious growth plans.
Mecmesin
Mecmesin, an industrial equipment business, has received a seven-figure funding package from the Bank to support investment and growth.
Wifinity
Wifinity has received a £10 million funding package from the Bank in order to continue its growth in delivering superfast, robust wireless connections to businesses in some of the UK’s most remote areas.
Porta Communications Plc
Porta Communications Plc is an international communications and marketing group. The bank provided a £3.3m revolving credit facility to provide a working capital facility for the company and to support the ongoing strategy of recruiting senior practitioners.
Martin Williams
Martin Williams, a company specialising in build, repair, maintenance, refurbishment and hire of vehicles has received a £1.5m funding package to expand the business following its recent acquisition of Penman Engineering.
ACE Group
ACE Group a specialist freight services provider to the North Sea industry has secured a seven figure lending package to support further investment and growth.
Brian James Trailers Ltd
Clydesdale Bank supported the Management Buy Out of Brian James Trailers Ltd, a manufacturer of Car Transporter Trailers and Commercial Trailers.
Centurion Signs UK Ltd
Centurion Signs Ltd, a commercial signage and graphics specialist, received a funding package from Clydesdale Bank to support the Management Buy Out of the business.
Connelly Security Systems Ltd
Connelly Security Systems Ltd which supplies installs and maintains a range of security and fire alarm systems received a funding package to support a company share buy-back transaction.
Innov8 Technology Ltd
Provision of a funding package to Innov8 a provider of Information Technology Communication solutions.
JLES Group Ltd
Delivered a funding package for JLES a multi-disciplined technical engineering company.
Paladin Radiators
The bank assisted with the funding of a Management Buy Out for Paladin Radiators, one of the UK’s only traditional cast iron radiator companies.
The Energy Brokers Ltd
The Bank’s commitment, coupled with a speedy response, enabled The Consultus International Group to acquire The Energy Brokers in a complex buyout. The company’s management team also benefitted from the bank’s expert knowledge of the corporate finance sector. The funding package was highly flexible; combining cashflow finance based on an assessment of the customer’s current and expected cash flows, alongside an invoice finance facility.
Cameron-Price
Cameron-Price is a specialist injection moulding and assembly business of high-value technical components, predominantly supplying the automotive industry. Our team of automotive and acquisition finance specialists worked with Cameron-Price to deliver a customised funding package which combined cash flow loans, a property mortgage and working capital facilities.
Air Space
Longstanding customer, Adventure Forest Limited, the leisure activites business, secured a significant funding package for the expansion of the firm’s Air Space indoor trampoline operation. The funding will be used to launch a number of new Air Space sites across the country.
MEL Aviation Components Ltd (MAC)
MAC is a leading specialist supplier of aircraft components with sales direct to airlines, maintenance providers and brokers’ worldwide currently supporting over 100 airlines in over 30 countries. The Bank has provided a combination of facilities totalling £2m to support the continued growth of the business.
Tritech Group Ltd
Tritech Group Ltd, a leading supplier of specialist manufacturing services to the aerospace industry has received a multi million pound funding package from the Bank to assist its growth aspirations.
APCER
Leading clinical safety operator APCER Life Sciences has agreed a new £6.3 million funding package, including term debt and invoice finance facilities with the Bank, which will be used to support the London based firm’s plans for further expansion.
CVR Global LLP
New independent specialist firm, CVR Global LLP, will provide a full range of restructuring, insolvency, financial and corporate advisory solutions having agreed a flexible funding package with the Bank.
Portico
The bank provided refinance and acquisition facilities of £10.2 million to support the growth strategy of London based residential letting and sales agents, Portico.
Pearson Hydraulics Ltd
One of the UK's leading hydraulics companies successfully completed a buy-out with funding support from the Bank. The purchase was completed after the company switched its banking.
Pipe and Piling Supplies (PPS)
PPS are pursuing significant growth plans following a management buy-out supported by a substantial funding package from the Bank.
Cameron-Price
Cameron-Price successfully completed a management buy-out after securing a multi-million pound finance package from the Bank.
Kings Security
Kings Security Systems Ltd is the UK’s largest independent security services company, serving homes and businesses across the UK. The Bank has provided a multi-million pound refinancing package to assist with the businesses growth aspirations.
Spaceright
Spaceright Europe Ltd is a supplier of educational equipment. The Bank provided a multi-million pound refinancing package which will support the firm’s plans for future development.
Battles Group
Battle, Hayward & Bower Ltd one of the UK’s most renowned animal care product suppliers is embarking on ambitious growth plans thanks to the support of a seven figure funding package from the Bank.
Alexanders Prestige
Alexanders Prestige is one of UK’s leading specialists in used luxury, performance and 4x4 cars. The Bank provided a £2.2 million funding package to continue its ambitious growth plans.
Mecmesin
Mecmesin, an industrial equipment business, has received a seven-figure funding package from the Bank to support investment and growth.
Wifinity
Wifinity has received a £10 million funding package from the Bank in order to continue its growth in delivering superfast, robust wireless connections to businesses in some of the UK’s most remote areas.
Porta Communications Plc
Porta Communications Plc is an international communications and marketing group. The bank provided a £3.3m revolving credit facility to provide a working capital facility for the company and to support the ongoing strategy of recruiting senior practitioners.
Martin Williams
Martin Williams, a company specialising in build, repair, maintenance, refurbishment and hire of vehicles has received a £1.5m funding package to expand the business following its recent acquisition of Penman Engineering.
ACE Group
ACE Group a specialist freight services provider to the North Sea industry has secured a seven figure lending package to support further investment and growth.
Brian James Trailers Ltd
Clydesdale Bank supported the Management Buy Out of Brian James Trailers Ltd, a manufacturer of Car Transporter Trailers and Commercial Trailers.
Centurion Signs UK Ltd
Centurion Signs Ltd, a commercial signage and graphics specialist, received a funding package from Clydesdale Bank to support the Management Buy Out of the business.
Connelly Security Systems Ltd
Connelly Security Systems Ltd which supplies installs and maintains a range of security and fire alarm systems received a funding package to support a company share buy-back transaction.
Innov8 Technology Ltd
Provision of a funding package to Innov8 a provider of Information Technology Communication solutions.
JLES Group Ltd
Delivered a funding package for JLES a multi-disciplined technical engineering company.
Paladin Radiators
The bank assisted with the funding of a Management Buy Out for Paladin Radiators, one of the UK’s only traditional cast iron radiator companies.
