A stop-gap business loan is a short-term funding solution designed to cover temporary financial shortfalls or urgent needs until longer-term finance or revenue becomes available. Typically lasting 3 to 18 months, these loans act as a bridge for companies facing cash flow challenges, delayed payments, or immediate opportunities.
In London and across the UK, stop-gap loans are widely used by SMEs, landlords, and property investors who need flexibility and speed beyond what traditional banks can provide.
Cash Flow Gaps – Covering payroll, supplier costs, or operational expenses.
Delayed Payments – Bridging the gap caused by late client invoices.
Property Transactions – Completing acquisitions or refurbishments before refinancing.
Expansion Projects – Securing stock, staff, or equipment for growth.
Emergency Needs – Responding to unexpected tax bills, repairs, or compliance costs.
Fraser Bond advises businesses that stop-gap loans are best used as short-term stabilisers, always supported by a clear repayment or refinance strategy.
Secured against property or assets.
Useful for landlords, investors, and developers requiring urgent capital.
Flexible unsecured or secured loans.
Designed for SMEs needing immediate cash flow relief.
Unlocks money tied up in unpaid invoices.
Ensures predictable access to working capital.
Repayment linked to card sales.
Common in retail, hospitality, and service-based sectors.
Speed – Funding can often be arranged in days.
Flexibility – Tailored to suit different sectors and needs.
Continuity – Prevents disruption to business operations or property deals.
Higher Costs – More expensive than long-term loans.
Short-Term Only – Designed as a stop-gap, not ongoing funding.
Repayment Pressure – Requires confidence in revenue or refinancing.
Fraser Bond helps UK and London businesses secure stop-gap funding with confidence:
Independent Advice – Recommending the most suitable loan type.
Trusted Lender Access – Connecting clients with specialist short-term finance providers.
Application Support – Structuring financials for rapid approval.
Exit Planning – Ensuring repayment strategies are secure and realistic.
Strategic Advisory – Aligning stop-gap loans with long-term business and property goals.
For tailored advice on stop-gap business loans in the UK, visit FraserBond.com.
