Late-paying clients and rising fuel costs were creating major pressure for a Norwich-based road haulage business. Despite growing demand, they couldn’t afford to take on more work — not without immediate access to working capital.
A family-run grocery store in Birmingham needed working capital to stock up ahead of Ramadan — but conventional loans with interest weren’t an option.
Cash flow is the lifeblood of any business, and invoice finance has become a popular solution for unlocking cash tied up in unpaid invoices. But while it offers many benefits, it’s crucial to be aware of hidden fees that can eat into your working capital and erode your margins.
Securing the right business funding isn’t always straightforward—especially when a company operates internationally, handles back-office functions abroad, or generates subscription-based income. In this client success story, we explore how Fiskal helped a global IT firm overcome eight lender declines to secure a tailored invoice finance facility—ultimately funding over £22 million in invoices. If your business doesn’t fit neatly into standard lending criteria, this story proves that the right approach can make all the difference.
Some funding needs align perfectly with a lender’s criteria. Others... not so much. These are the cases many brokers shy away from—too complex, too many challenges, or simply too time-intensive. For me, though, these are the opportunities that make my work truly fulfilling.
At Fiskal, we understand that businesses face unique financial challenges. Here are examples of how we helped businesses with complex cash flow issues overcome barriers using alternative finance solutions:
When cash flow struggles pushed Regal Goods to the brink, endless dead ends with lenders and brokers left them ready to give up. Then Fiskal stepped in, transforming frustration into financial freedom. Discover how the right partner made all the difference!
As 2025 begins, small businesses across the UK are navigating a landscape shaped by both emerging challenges and promising opportunities. While economic uncertainties persist, one clear trend is the growing adoption of invoice finance as a key tool to manage cash flow, fuel growth, and ensure financial stability.
Invoice finance is one of the oldest financial tools, and yet it remains a modern solution to one of the biggest challenges businesses face: cash flow. From its historical roots to its current global market presence, invoice finance has proven to be a lifeline for businesses of all sizes. Let’s dive into the intriguing history, statistics, and the growing importance of this essential funding option.
Let’s face it: cash flow issues can be the stuff of nightmares for business owners. You’ve done the hard work, delivered the goods or services, sent the invoice…and then crickets. Now you’re waiting 30, 60, maybe even 90 days to get paid. Meanwhile, bills pile up, payroll deadlines loom, and growth plans are stuck on hold. Enter: invoice finance – the secret weapon that can turn those unpaid invoices into immediate cash flow.
With Donald Trump returning to the White House, UK SMEs may soon feel the impact in areas like trade, finance, and international transactions. Trump’s “America First” policies could reshape trade and create challenges for UK companies with international business. Here’s what this could mean for SMEs—and how Fiskal is here to support you.
One of the most fulfilling aspects of my work with Fiskal is supporting clients in finding financial solutions that align with their values. Recently, I’ve been diving into Shariah-compliant funding, specifically invoice finance options for clients seeking finance that adheres to Islamic principles.
Securing asset finance is a powerful way to acquire critical equipment, vehicles, or machinery without the burden of upfront costs. However, navigating the complex landscape of asset financing options can be challenging, especially if you want to avoid unfavourable terms. That’s where Fiskal comes in, simplifying and streamlining the process so you can secure the right financing solution for your unique needs. Here’s an in-depth look at how we can help you achieve that, with a focus on your long-term success.
In the world of invoice finance, the broker-client relationship can sometimes feel at odds. Here’s why:
In today’s dynamic business environment, access to reliable financial solutions is crucial for growth and sustainability. At Fiskal, we understand the unique challenges businesses face when it comes to financing. As a trusted commercial finance brokerage, we specialise in connecting businesses with tailored financial solutions designed to meet their specific needs. Whether you’re a start-up or an established enterprise, Fiskal is here to help you unlock your financial potential.
In the world of business finance, securing funding can be a minefield—especially for businesses with poorly rated debtors or operating in industries traditionally considered "high risk." Many financial institutions and lenders shy away from these cases, leaving businesses in the lurch, struggling to access the cash flow they need to thrive or even survive.
Cash flow is the lifeblood of any business. For many small to medium-sized enterprises (SMEs), managing this critical aspect can be challenging, especially when payments from clients are delayed. This is where invoice finance steps in as a powerful solution, offering businesses the ability to maintain steady cash flow and continue operations smoothly.
Most invoice finance contracts include a minimum service fee, charged either monthly, quarterly, or yearly, calculated by the lender based on your total annual turnover. The challenge with this structure is that if your business experiences months where income falls short of expectations, or if there is a slowdown, you still pay the same minimum service fee, which does not adjust throughout the year.
Welcome to the Fiskal Blog, your ultimate resource for navigating the complexities of commercial finance. We provide businesses with expert insights, strategic advice, and the latest industry developments to help you succeed in today’s dynamic market.
