Short Term Business Finance UK – Fraser Bond Guide

What Is Short-Term Business Finance?

Short-term business finance provides companies with fast access to capital for immediate needs such as cash flow management, expansion, or bridging funding gaps. Typically lasting 3 to 24 months, these finance solutions are designed to support businesses that cannot wait for traditional bank loans.

In London and across the UK, short-term finance is essential for SMEs, property investors, and developers who need flexibility and speed to seize opportunities.

When to Use Short-Term Business Finance

• Cash Flow Gaps – Covering operational costs or supplier payments during trading delays.

• Expansion – Funding new premises, staff, or equipment.

• Bridging Loans – Securing property or refinancing before long-term funding.

• Property Development – Short-term loans for refurbishment or construction projects.

• Opportunistic Growth – Acting quickly on investment opportunities.

Fraser Bond helps businesses identify when short-term finance is the right option, balancing costs and timelines.

Types of Short-Term Business Finance in the UK

Bridging Loans

• Designed for property-related transactions.

• Typically 3–24 months.

• Repaid via refinance or asset sale.

Merchant Cash Advances

• Repayment linked to card sales revenue.

• Useful for retail and hospitality businesses.

Invoice Finance

• Unlocks cash tied up in unpaid invoices.

• Provides predictable working capital.

Short-Term Business Loans

• Flexible unsecured or secured lending.

• Used for general business needs with rapid approval.

Benefits and Risks

Benefits

• Speed – Funding can be accessed within days.

• Flexibility – Suitable for a range of business and property needs.

• Opportunity Access – Enables businesses to move quickly in competitive markets.

Risks

• Higher Costs – Interest rates are higher than long-term loans.

• Short-Term Only – Not a substitute for sustainable long-term finance.

• Repayment Pressure – Requires clear cash flow or refinancing plan.

Fraser Bond – Short-Term Business Finance Advisory

At Fraser Bond, we support London businesses, landlords, and investors with tailored short-term finance solutions:

• Independent Guidance – Assessing the right finance type for your needs.

• Lender Access – Introducing clients to trusted UK providers.

• Application Packaging – Preparing and presenting financials for fast approvals.

• Exit Planning – Ensuring repayment via refinancing, revenue, or asset sales.

• Strategic Support – Aligning short-term borrowing with long-term business goals.

To secure tailored short-term business finance solutions in London and across the UK, visit FraserBond.com.