Cash flow gaps, expansion plans or seasonal slowdowns can hold your business back. Business finance provides the working capital needed to operate smoothly, invest confidently, and seize new opportunities without compromising your day-to-day stability.
01
Trade Finance
Helps businesses fund international and domestic trade by bridging the gap between shipment and payment, reducing risk and improving cash flow.
02
Invoice Finance
Unlocks cash tied up in unpaid invoices, allowing businesses to access funds quickly instead of waiting for customer payments.
03
Asset Finance
Enables businesses to acquire equipment, vehicles, or machinery by spreading the cost over time through leasing or hire purchase agreements.
04
Working Capital Loans
Short-term loans designed to cover day-to-day operational expenses, helping businesses maintain liquidity during seasonal dips or cash flow gaps.
The Benefits
Powering Growth Without Compromise
Businesses turn to finance solutions to stay agile, unlock growth, and manage cash flow through uncertain, seasonal, or delayed revenue periods.
Cash Flow Support
Bridge gaps from late payments or seasonal dips to keep operations running smoothly.
Upfront Investment
Finance stock, equipment or hires in advance of returns to meet growing demand.
Growth Funding
Access capital to expand without giving up ownership or relying on long-term debt.
Financial Stability
Improve planning, reduce risk, and gain better control over day-to-day financial decisions.
78%
of SMEs in the UK accessed alternative finance products in 2024
Improved Cash Flow
Accelerated Growth
Flexible Funding
Stronger Supplier Relationships
Case Study
Solving Cash Flow Issues in the Travel Industry
A small travel business faced cash flow struggles due to a 5-month gap between customer bookings and departure dates. With only a deposit paid upfront and thin margins, the business lacked the liquidity to reinvest and grow.
Invoice Finance
Affinity’s Invoice Finance solution allowed the business to access funds tied up in future customer payments, enabling faster cash flow and reinvestment into growth.