Working capital finance for Channel Islands businesses.
Cash flow gaps affect even profitable businesses. A seasonal dip in revenue, a slow-paying client, or an unexpected cost can put pressure on your ability to pay suppliers and staff. Working capital loans give you short-term funding to bridge those gaps, keeping your Jersey or Guernsey business running smoothly without disrupting your long-term plans.
- Bridge short-term cash flow gaps without dipping into reserves or overdraft
- Faster to arrange than traditional bank facilities — decisions often within 48 hours
- Flexible terms from 1 month to 3 years depending on your needs
- Seasonal businesses benefit from matching repayments to revenue peaks
- No need to provide business assets as security in most cases
- Helps you take on new contracts or orders without waiting for payment
Quick facts
No obligation. Soft credit check only.
How it works
Describe your cash flow need
Tell us the amount you need, how long you need it, and what is causing the shortfall. No credit check at this stage.
We find suitable lenders
We search Channel Islands business lenders for working capital products suited to your trading profile and turnover.
Funds deployed to keep you trading
Once approved, funds are released quickly — often within 24 to 48 hours. You repay over your agreed term as revenue comes in.
Who can apply?
- Business registered or trading in Jersey or Guernsey
- At least 6 months of trading history
- Provable revenue to support repayment
- Both sole traders and limited companies eligible
- Cash flow shortfall must be temporary and identifiable
- Businesses in all sectors considered, including hospitality, construction, and retail
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
No. A working capital loan provides a fixed sum repaid over a set period. An overdraft is revolving. A loan is often cheaper for a known, planned cash flow gap.
Yes. Seasonal businesses such as hospitality and tourism operators are common in the Channel Islands. Some lenders structure repayments around your peak trading months.
Typically your last 3 to 6 months of business bank statements, recent accounts, and a brief explanation of the cash flow need. We will confirm the specific requirements when you enquire.
Yes. Payroll is a legitimate and common use of working capital finance, especially during seasonal troughs or when a large invoice is overdue.
Invoice discounting uses your unpaid invoices as security and advances a proportion of their value. Working capital loans are not tied to specific invoices. Both are useful — we can advise on which suits your situation.
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Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
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