Working capital options when instant payouts aren't enough
Combine Toolfy deposits, invoice finance, and lender-ready exports so your payroll never has to wait on card settlement timing.
Not financial advice
Pricing guidance here is educational. Model rate changes against your own books, suppliers, and market before implementing them.
Working capital options when instant payouts aren’t enough
Instant payouts buy you 24–48 hours, but growth and slowpaying commercial clients still strain cash. Here’s a stack of funding options plus the Toolfy evidence lenders look for.
1. Toolfy-native levers
- Deposits: require 30–50% for every job >£500; automate deposit invoices immediately after quote acceptance.
- Progress billing: duplicate jobs per phase so invoices trigger the moment each phase closes.
- Pay-by-bank: enable it to cut fees and get cash within minutes instead of days.
2. Invoice finance / factoring
- Export aged receivables from Toolfy; include customer contact details and job ID references.
- Lenders love proof of completion—attach before/after photos and customer sign-off stored in Toolfy.
- Expect 80–90% advance rates with remaining released at settlement.
3. Revolving credit + overdrafts
- Use Toolfy analytics to show consistent monthly revenue; export 12-month report to support applications.
- Keep a folder
/Finance/Lender packswith management accounts, top customers, and pipeline summary.
4. Supplier terms + cards
- If suppliers offer 30-day terms, tag those jobs “Supplier-financed” so you remember to pay once the customer invoice lands.
- Corporate cards (Ramp, Amex) paired with Toolfy expense uploads can smooth purchases between payout cycles.
5. Governance
- Track every funding line (limit, rate, renewal date) inside a Toolfy document.
- Schedule reminders for covenant reporting (monthly revenue, ageing targets) so lenders stay confident.
- Review cash sources quarterly; retire expensive lines once cash reserves hit 3 months of expense.
Need a lender-ready pack template? Email support@toolfy.io and we’ll share the deck we use with partner banks.
⚠️ Important Disclaimer
This guide is for general informational and educational purposes only. It does not constitute professional advice of any kind (legal, financial, tax, insurance, or otherwise).
Before making business decisions: Consult with qualified professionals (solicitors, accountants, insurance brokers, etc.) who can assess your specific circumstances. Laws, regulations, and industry standards change frequently and vary by location and situation.
Toolfy and the article authors accept no liability for decisions made or actions taken based on information provided in this guide. You are solely responsible for ensuring compliance with all applicable laws and regulations.
Frequently Asked Questions
What cash flow options are available beyond instant payouts?
What evidence do lenders need for invoice finance?
How should I track multiple funding lines for my business?
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Spin up the exact checklist, scripts, and automations from this article inside your workspace.
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