--- title: Binnington Business Finance | Working Capital description: Flexible funding solutions to support cash flow, expansion, refinancing or short-term opportunities—matched to your business needs. --- [![logo](https://www.binnington.co.uk/hubfs/146992442/images/finance-logo.png)](https://www.binnington.co.uk/business) Menu![close](https://www.binnington.co.uk/hubfs/146992442/icons/burger.svg) Close![close](https://www.binnington.co.uk/hubfs/146992442/icons/close.svg) ### Business Finance [Business Finance Home](https://www.binnington.co.uk/business) [Working Capital](https://www.binnington.co.uk/business/workingcapital) [Asset Finance](https://www.binnington.co.uk/business/assetfinance) [Property Finance](https://www.binnington.co.uk/business/propertyfinance) ### Mortgages [Mortgages Home](https://www.binnington.co.uk/mortgages) [Mortgage Services](https://www.binnington.co.uk/mortgages/mortgagetypes) [Insurance](https://www.binnington.co.uk/mortgages/insurance) [Calculators](https://www.binnington.co.uk/mortgages/calculators) ### Discover [About us](https://www.binnington.co.uk/aboutus) [Contact us](https://www.binnington.co.uk/contactus) [![Binnington Facebook](https://www.binnington.co.uk/hubfs/icons/facebook.svg)](https://www.facebook.com/profile.php?id=61570053090076) [![Binnington Instagram](https://www.binnington.co.uk/hubfs/icons/instagram.svg)](https://www.instagram.com/binningtonmortgages/) [![Binnington LinkedIn](https://www.binnington.co.uk/hubfs/icons/linkedin.svg)](https://www.linkedin.com/company/binningtonmortgages/) [![Binnington WhatsApp](https://www.binnington.co.uk/hubfs/icons/whatsapp.svg)](https://wa.me/447429266377) © 2026 Binnington Finance Limited # Working Capital ## Flexible Funding for Growing Businesses Flexible funding solutions to support cash flow, expansion, refinancing or short-term opportunities - matched to your business needs. ![Duchy Homes Promo](https://www.binnington.co.uk/hubfs/Business%20Loan%20Picture.webp) ## Loans – secured, unsecured Flexible business loans designed to support growth, investment, or cash-flow needs, with options available both with and without security depending on your circumstances. Use cases: - Funding business expansion or growth initiatives. - Supporting cash flow during busy or seasonal periods. - Acquiring another business or buying out a partner. - Refinancing existing business debt. ## Loans – secured, unsecured Flexible business loans designed to support growth, investment, or cash-flow needs, with options available both with and without security depending on your circumstances. Use cases: - Funding business expansion or growth initiatives. - Supporting cash flow during busy or seasonal periods. - Acquiring another business or buying out a partner. - Refinancing existing business debt. ![Duchy Homes Promo](https://www.binnington.co.uk/hubfs/MCA%20Picture.jpg) ## Merchant Cash Advance A flexible funding option for card-taking businesses, where repayments are linked to your future card sales. Use cases: - Hospitality or retail businesses managing seasonal demand. - Covering short-term working capital gaps. - Funding refurbishments or upgrades. - Supporting marketing or promotional campaigns. ## Merchant Cash Advance A flexible funding option for card-taking businesses, where repayments are linked to your future card sales. Use cases: - Hospitality or retail businesses managing seasonal demand. - Covering short-term working capital gaps. - Funding refurbishments or upgrades. - Supporting marketing or promotional campaigns. ![Duchy Homes Promo](https://www.binnington.co.uk/hubfs/Invoice%20Finance%20Picture.webp) ## Invoice Finance Unlock cash tied up in unpaid invoices, improving cash flow and helping you manage day-to-day operations without waiting for customers to pay. Use cases:   - Improve cash flow when customers pay on long terms. - Support growth without increasing overdrafts or loans. - Cover wages, supplier costs, or operational expenses. - Reduce reliance on personal funding. ## Invoice Finance Unlock cash tied up in unpaid invoices, improving cash flow and helping you manage day-to-day operations without waiting for customers to pay. Use cases:   - Improve cash flow when customers pay on long terms. - Support growth without increasing overdrafts or loans. - Cover wages, supplier costs, or operational expenses. - Reduce reliance on personal funding. ![Duchy Homes Promo](https://www.binnington.co.uk/hubfs/VAt%20Loan%20picture.jpg) ## VAT & Corporation Tax Loans Short-term funding to spread the cost of tax liabilities, helping you manage payments without putting unnecessary pressure on cash flow. Use cases: - Spread VAT or corporation tax payments over manageable instalments. - Protect working capital during tax periods. - Avoid late payment penalties or cash-flow strain. - Support businesses during seasonal or cyclical trading. ## VAT & Corporation Tax Loans Short-term funding to spread the cost of tax liabilities, helping you manage payments without putting unnecessary pressure on cash flow. Use cases: - Spread VAT or corporation tax payments over manageable instalments. - Protect working capital during tax periods. - Avoid late payment penalties or cash-flow strain. - Support businesses during seasonal or cyclical trading. ![Duchy Homes Promo](https://www.binnington.co.uk/hubfs/Start%20the%20Conversation%20Picture.jpg) ## Start the conversation We’re passionate about sourcing the best business finance solutions. If you have a working capital, asset finance or property finance enquiry, we’d love to hear from you. [Contact us](https://www.binnington.co.uk/contactus) ## Start the conversation We’re passionate about sourcing the best business finance solutions. If you have a working capital, asset finance or property finance enquiry, we’d love to hear from you. [Contact us](https://www.binnington.co.uk/contactus) [Data Protection](https://www.binnington.co.uk/business/dataprotection) | [Privacy Policy](https://www.binnington.co.uk/business/privacypolicy) | [Terms of Business](https://www.binnington.co.uk/business/termsofbusiness) | [Complaints Procedure](https://www.binnington.co.uk/business/complaintsprocedure) © 2026 Binnington Finance Limited Binnington Business Finance is a trading style of Binnington Finance Limited (FRN: 1041341) who are an appointed representative of White Rose Finance Group Limited (FRN: 630772) who are directly authorised and regulated by the Financial Conduct Authority. Binnington Finance Limited is a credit broker, not a lender. Please make borrowing decisions carefully, property or other assets offered as security may be at risk if you cannot keep up with repayments. White Rose Finance Group Limited are responsible for the advice conducted on Non-Regulated Bridging Loans, Commercial Mortgages, Development Finance, Portfolio Loans, Semi-Commercial Mortgages, Asset Finance, Invoice Finance, Business Loans, and Merchant Cash Advances. Binnington Mortgages is a trading style of Binnington Finance Limited (FRN: 1041341) who are an appointed representative of Fear Financial Ltd (FRN: 1012718) which is authorised and regulated by the Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN. Fear Financial Ltd are responsible for advice conducted on Regulated Mortgages to include Buy to Lets, Protection and General Insurance Products. **YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.** Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.