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A flexible alternative to a fixed-term loan.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Merchant cash advance","icon":"Wallet","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"\",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/merchant-cash-advance/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Merchant cash advance \",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\"borrows against future card sales\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Asset finance","icon":"Lock","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"\",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/asset-finance/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"bold\"}],\"value\":\"Asset finance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" is used to fund vehicles, machinery and equipment.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Overdrafts  ","icon":"Plant vase","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\" Flexible but often with lower limits.\",\"marks\":[],\"data\":{}}]}]}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionFinancialProductInfo"}}}},{"id":"23bbe9a5-c7a6-54c5-b7d2-44d81e5a7e44","placeholder":"Trustpilot carrousel","sys":{"contentType":{"sys":{"id":"templatesV2SectionTrustpilotCarrousel"}}}},{"title":"Estimate your costs today","description":"If you're ready to take your business to the next level, use our business loans calculator to get an idea of what you can afford.","calculatorType":"Business loans","sys":{"contentType":{"sys":{"id":"templatesV2SectionCalculator"}}}},{"title":"Is working capital finance right for your business?","descriptionCards":[{"title":"Self-assessment checklist","icon":"House and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"£100k-£5m turnover:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" You might need working capital finance if you have seasonal sales, wait 30+ days for customer payments, need to purchase stock before busy periods or currently use personal funds for business expenses.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"£5m+ turnover:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" You could need working capital finance if you’re comparing costs against existing credit lines, need faster access than traditional banking or want to diversify your sources of funding.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"When it makes sense (with examples)","icon":"Document and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Working capital finance can make sense when you have temporary cash flow gaps rather than fundamental profitability issues.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"For example, a £3 million catering business might need £150k for a large event contract, while a £15 million distribution company could use £800k to take advantage of bulk purchase discounts from suppliers.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"When to consider alternatives","icon":"Wallet","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"If your business consistently operates at a loss, \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/business-loans/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"traditional term loans\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" might be cheaper for long-term investments like equipment or property.Companies with strong balance sheets might prefer to use their existing bank facilities. And those needing over £1 million might want to consider \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/asset-based-lending/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"asset-based lending\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" or \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/mezzanine-finance/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"mezzanine finance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\".\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Red flags to look out for","icon":"Plant vase","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Some lenders could end up costing you more than you expect. 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