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Fast-Growing Businesses Need Finance That Scales
- Tommy Hume
- Mar 16
- 2 min read
Growth Is Exciting - But It Comes With Challenges
Experiencing rapid growth as a business owner is an incredible achievement. It means your products or services are in demand, your reputation is strengthening, and opportunities are opening up. However, fast growth also brings challenges - especially when it comes to cashflow.
Scaling a business requires investment. You may need to hire more staff, increase production, purchase more stock, or expand your premises. But what happens when your incoming revenue can’t keep pace with the costs of expansion? This is where flexible finance is crucial.
Traditional Finance Can Hold You Back
Many business owners assume that traditional finance options, such as bank loans or overdrafts, will provide the necessary funding to scale. But these options have limitations:
Fixed Limits – Once you secure a loan or overdraft, the amount is set. If your business continues growing, you may find yourself needing more finance but having to reapply, which takes time and effort.
Slow Approval Times – Banks often require extensive paperwork and long approval processes, which don’t align with the fast-paced nature of business growth.
Debt Burden – Loans add long-term debt to your balance sheet, which may not be ideal when managing cashflow.
What businesses really need is a finance solution that scales with them - which is exactly what invoice finance offers.
Why Invoice Finance Is the Perfect Fit for Fast-Growing Businesses
Invoice finance, such as Invoice Factoring and Invoice Discounting, is one of the most dynamic funding solutions available, as it grows in direct proportion to your business. Here’s how it works:
Flexible Funding – Instead of a fixed loan amount, your funding is based on your sales. The more invoices you generate, the more working capital you can access.
Quick Access to Working Capital – Invoice finance allows you to unlock up to 90% of your invoice value within 24 hours - sometimes immediately - eliminating long waits for customer payments.
No Additional Debt – Unlike traditional loans, invoice finance is not a debt-based facility. You’re simply leveraging money you’ve already earned but haven’t yet received.
Supports Ongoing Growth – As your sales increase, so does your funding capacity. This means you’ll never have to worry about hitting a financial ceiling when scaling up.
Keep Growing Without the Cashflow Bottleneck
Businesses experiencing rapid growth shouldn’t be held back by slow-paying customers. Invoice finance bridges the gap between completing work and getting paid, ensuring that you always have the working capital needed to meet demand, pay staff, and reinvest in your business.
At 12s Finance, we understand that every business is different. That’s why we ultimately match you with the right invoice finance provider based on your specific needs. We don’t just find you a lender - we find the perfect fit for your business growth journey.
Ready to Scale Without Limits?
If your business is growing fast and you need finance that grows with you, invoice finance could be the ideal solution. Get in touch with 12s Finance today, and let’s find you a funding partner that keeps your business moving forward.