Running a business comes with its fair share of challenges. From managing cash flow to investing in growth opportunities, it’s not uncommon for even profitable businesses to need a short-term boost. At Percy Finance, we speak with UK business owners every day who feel the pressure of tight margins or sudden expenses—and sometimes, a timely cash injection can make all the difference.

Here are five key signs your business might benefit from extra funding.

Even with healthy sales, cash flow gaps can disrupt your operations. If you’re constantly juggling payments to suppliers, struggling with late invoices, or dipping into reserves to cover payroll, it’s a clear sign your business may need a working capital boost.

A cash injection can help smooth out these bumps and give you the breathing room to focus on growth—not just survival.

Have you had to say “no” to a new contract, large order, or investment opportunity because of funding limitations?

If growth is within reach but cash flow is the barrier, short-term finance—such as an unsecured business loan or asset finance—can help you seize those opportunities without draining your day-to-day operations.

Outdated equipment or limited stock can cost you sales and impact your customer experience. If you know your business could perform better with a new vehicle, upgraded machinery, or bulk inventory purchase, but you’re short on upfront capital, finance could be the smart solution.

Asset finance, for example, allows you to spread the cost of essential purchases over time, preserving your cash flow.

Dipping into personal savings or credit cards to keep your business afloat is risky and unsustainable. It can blur the line between your business and personal finances and lead to long-term strain.

Business finance offers a more structured, transparent alternative that helps you manage costs while protecting your personal financial health.

If your business experiences seasonal peaks and dips—whether you’re in retail, hospitality, or construction—you may need funding to prepare for busy periods or get through quieter months. A short-term loan or revolving credit facility can give you the flexibility to navigate these cycles with confidence.

At Percy Finance, we specialise in supporting UK businesses with:

• Unsecured business loans (with no need for collateral)
• Asset finance solutions for vehicles, equipment, and more
• Flexible repayment options to suit your cash flow

We’re FCA-authorised and work with a panel of trusted lenders to find the right funding solution for your business—fast, fairly, and with no hidden fees.

Whether you’re looking to invest in growth or improve day-to-day cash flow, we’re here to help.

👉 Apply online now or speak to our friendly team for a no-obligation conversation.

Disclaimer: Percy Finance is authorised and regulated by the Financial Conduct Authority (FCA). This article is intended for informational purposes only and does not constitute financial advice. Please consider your circumstances before applying for finance.

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