How to Unlock Business Growth When Cashflow is Tight

Running a successful business in Surrey, Kent, Hampshire, Sussex, or South London isn’t just about turnover – it’s about cashflow.

I speak to business owners and self-employed professionals every week who say:

“Our sales are strong, but the cash just isn’t in the bank when we need it.”

Sound familiar?

Cashflow gaps can appear for all sorts of reasons:

• Clients paying late

• Seasonal revenue dips

• New contracts that require upfront costs

• Staff, suppliers, and tax bills all hitting at once

When cashflow stalls, it doesn’t just delay payments – it blocks growth.

The Real Cost of Poor Cashflow

If your cashflow is tight, you’re probably feeling:

• Frustration – spending more time chasing invoices than running the business

• Stress – worrying about payroll and supplier payments

• Missed opportunities – unable to take on new work without funding

And if you rely solely on overdrafts or personal credit, the costs can quickly spiral.

The good news? There are business finance solutions that can unlock cash and help your company grow – without putting your personal assets at unnecessary risk.

Flexible Business Finance Solutions in the South East

At Kingston Finance, we help SMEs, limited company directors, and self-employed business owners access funding options that high-street banks often overlook.

Here’s how we can support your growth:

1. Invoice Finance (Factoring & Discounting)

Turn unpaid invoices into working capital.

• Access up to 80–90% of invoice value upfront

• The balance is paid when your client settles

• Helps smooth cashflow and reduce stress over late payments

2. Business Loans & Credit Facilities

Ideal for growth, equipment, or bridging short-term gaps.

• Access to secured or unsecured lending

• Flexible terms depending on turnover and trading history

• Suitable for SMEs, contractors, and limited companies

3. Property & Commercial Finance

We arrange tailored funding for:

• Buy-to-Let Mortgages (including Ltd Company BTL for potential tax efficiency)

• Bridging Loans for property purchases or refurbishments

• Commercial Mortgages for offices, warehouses, or mixed-use buildings

Real Client Story: Surrey Waste Management Company

A waste management SME in Surrey approached us recently:

• £50,000 locked in unpaid invoices

• Payroll and supplier payments due in 5 days

• No success with their high-street bank

We arranged invoice finance within 48 hours, unlocking 90% of the invoice value upfront.

✅ Staff and suppliers were paid

✅ Cashflow stabilised

✅ The owner secured a new contract that had been on hold

Next Steps for Business Owners

If you’re a business owner in Surrey, Kent, Hampshire, Sussex, or South London and cashflow is slowing your growth:

1. Act before it’s urgent. The earlier we plan, the more options you’ll have.

2. Book a free consultation at www.financewithstuart.com.

3. Discover tailored funding options that suit your business and goals.

“We were sceptical at first. Stuart made it painless – cashflow’s now consistent and we can plan again.” – Client testimonial

Kingston Finance Ltd (FRN: 982690) is a credit broker and appointed representative and regulated by the Financial Conduct Authority.

Finance is subject to status, underwriting, and lender criteria. Property or other assets offered as security may be at risk if you cannot keep up with repayments.