Cash Flow Gap Funding UK – Fraser Bond Guide

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Fraser Bond – Expert Advisory on Cash Flow Gap Funding

What Is Cash Flow Gap Funding?

Cash flow gap funding is a short-term finance solution designed to help businesses, landlords, and investors cover temporary shortfalls when outgoings exceed available income. In the UK, this type of funding provides working capital until revenues, sales, or long-term financing arrive.

For London businesses and property investors, cash flow gaps can arise from seasonal fluctuations, project delays, or property transactions. Gap funding ensures continuity, preventing operational or investment disruptions.


When to Use Cash Flow Gap Funding

  • Business Operations – Covering payroll, supplier invoices, or tax liabilities.

  • Property Purchases – Securing assets before refinancing or selling existing property.

  • Project Delays – Managing costs when development or sales take longer than expected.

  • Revenue Gaps – Bridging seasonal downturns or late customer payments.

  • Emergency Expenses – Funding urgent repairs, compliance requirements, or unexpected bills.

Fraser Bond advises that cash flow funding should always be matched with a clear repayment plan, such as incoming revenue, refinancing, or asset sales.


Types of Cash Flow Gap Funding

Bridging Loans

  • Secured against property.

  • Ideal for landlords and developers bridging until sale or refinance.

Short-Term Business Loans

  • Flexible unsecured or secured options.

  • Suitable for SMEs needing immediate working capital.

Invoice Finance

  • Releases cash tied up in unpaid invoices.

  • Provides predictable access to working capital.

Merchant Cash Advances

  • Repayments linked to card sales.

  • Effective for retail, hospitality, and service businesses.


Benefits and Risks

Benefits

  • Speed – Funding can often be accessed in days.

  • Flexibility – Tailored to business, property, or investment needs.

  • Continuity – Prevents disruption to operations or transactions.

Risks

  • Higher Costs – More expensive than long-term borrowing.

  • Short-Term Nature – Designed as a temporary fix, not a permanent solution.

  • Repayment Pressure – Requires reliable income or refinancing to clear the loan.


Fraser Bond – Cash Flow Gap Funding Advisory

Fraser Bond provides businesses, landlords, and investors with tailored advice on gap funding solutions in London and across the UK:

  • Independent Guidance – Assessing the most suitable short-term finance option.

  • Lender Access – Connecting clients with trusted UK lenders.

  • Application Support – Structuring cases for rapid approval.

  • Exit Planning – Ensuring repayment is achievable through revenue, sale, or refinancing.

  • Strategic Advisory – Aligning cash flow funding with long-term stability.

For bespoke advice on cash flow gap funding in the UK, explore options at FraserBond.com.