How quickly can I access emergency business finance in the UK?

Depending on the facility, selective invoice finance can be live in 24 to 72 hours. Emergency bridging finance typically takes 5 to 10 days, depending on the speed of legal checks.

Can I get a business loan if my bank has withdrawn my overdraft?

Yes. Challenger lenders and specialist debt funds often provide revolving credit facilities or asset-backed loans specifically for SMEs whose high-street banks have reduced their exposure.

Is bridging finance available for loss-making UK businesses?

Yes. Bridging finance and asset refinance are primarily based on the value of the security (property or machinery) rather than just the current P&L, making it a viable liquidity solution for distressed SMEs.

Emergency Liquidity & Cash Flow Solutions for UK SMEs | I Need to Raise Debt

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Speed Is Our Priority • ICAEW Regulated

Urgent Liquidity Solutions for UK SMEs

When cash runs out, the clock is running. Whether it is a missed customer payment, a VAT bill you cannot cover, or a sudden contraction in your overdraft, we move fast. We know which lenders can move in days, and we get your case in front of them immediately.

Get Emergency Help → +44 7767 629 008

Emergency cash flow • Bridge finance • Urgent lender matching • Distressed situations

Urgent Enquiry

Tell us your situation now.

We respond to urgent liquidity enquiries as a priority. Call us directly if you need a same-day response.

What We Can Do

There is almost always a solution. The question is speed and structure.

Emergency Bridge Finance

Short-term bridging finance secured against property or other assets. Funds can be in your account within days of approval. Used to cover an urgent cash requirement while a longer-term solution is arranged.

Urgent Invoice Finance

If you have outstanding invoices, we can often have a selective invoice finance facility live within 48 to 72 hours of approval, releasing up to 90% of the value of your receivables immediately.

Asset Refinance

If you own plant, machinery, vehicles, or property, we can arrange a sale and leaseback or asset refinance to release liquidity quickly. Often the fastest route to significant cash for asset-rich businesses.

Overdraft Replacement

Your bank has reduced or withdrawn your overdraft. We can often source a replacement revolving credit facility from a challenger lender within days, bridging the gap while a permanent solution is put in place.

Distressed Situations

If the business is trading under financial stress, we engage specialist distressed lenders and turnaround finance providers who understand complex situations. We also advise on the right conversation to have with existing lenders.

Tax & VAT Finance

HMRC bills cannot wait. Several lenders offer specialist tax finance to cover VAT, Corporation Tax, and PAYE liabilities, allowing you to spread the cost rather than draining your working capital reserves.

How Fast Can We Move?

In a genuine emergency, speed is everything. We have a track record of moving fast.

The biggest enemy of speed is a poorly prepared application. Lenders who can move quickly still need the right information presented clearly. A half-prepared case sent to ten lenders at once is slower than a fully-prepared case sent to the right two.

Our Lender Ready preparation, even in urgent situations, is condensed and targeted. We know exactly what each fast-moving lender needs to see and in what format. That is the difference between days and weeks.

Call or complete the form. We respond same day for urgent cases.

We assess your situation and identify the fastest available route.

We prepare a targeted submission and approach the right lenders immediately.

We manage the process to drawdown as quickly as the lender and legals allow.

Selective Invoice Finance

24–72hrs

From approval to funds in account on the right platform, if the application is clean.

Bridge Finance

5–10 days

Bridging against property or assets, from credit approval to drawdown. Solicitors are typically the bottleneck.

Asset Refinance

7–14 days

Sale and leaseback or asset refinance, from agreement in principle to drawdown, depending on asset type.

FAQ

Common Questions

Call us immediately. Banks have the right to withdraw overdraft facilities at relatively short notice and this is more common than business owners expect. There are usually alternative options, including revolving credit facilities from challenger lenders, invoice finance, or bridge finance. The faster you move, the more options you have. Delay narrows the field significantly.

It depends on the nature of the loss and the asset position of the business. Asset-backed finance, invoice finance, and bridge finance can often be arranged even where the business is not currently profitable, provided there are sufficient assets or quality receivables. Distressed situations require a more specialist approach and we work with turnaround finance providers and insolvency practitioners where appropriate.

Speed and cost are related. Emergency facilities, particularly bridging finance, carry higher interest rates than standard term loans, reflecting the speed and the risk the lender is taking. However, the right structure matters. We always advise on whether the cost of emergency finance is justified relative to the cost of not acting, and we work to find the most cost-effective fast solution rather than just the first available one.

The minimum we need to make an initial assessment: your last two years of accounts, your most recent management accounts, a short explanation of the situation, and an idea of what assets or receivables the business holds. The more organised your information, the faster we can move. We work with what you have and fill the gaps as quickly as possible.

Urgent Help

Tell us your situation. We move fast.

ICAEW-regulated. All urgent cases prioritised. Call directly for same-day response: +44 7767 629 008

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