Working Capital & Cashflow Gaps
- Feb 10
- 1 min read
Working capital pressures can arise even in well-run businesses.
Timing differences between costs and receipts, particularly around payroll, invoices or seasonal trading patterns, can create short-term funding gaps that are not always well served by traditional lenders.
Jardine Norton provides short-to-medium term funding solutions designed to support businesses through these periods, where liquidity needs are clearly defined but flexibility and speed are required.
Who is this for?
This type of funding is typically utilised by businesses that:
Are well-run but experiencing timing mismatches in cashflow
Operate payroll-intensive models with delayed debtor receipts
Manage seasonal or cyclical revenue patterns
Are growing and temporarily stretching working capital
Require funding that reflects how the business actually operates
Facilities are structured on a case-by-case basis, aligned to the specific circumstances of each business.
Typical situations
We regularly support businesses facing situations such as:
Payroll obligations ahead of invoice settlement
Extended debtor payment terms
Temporary cashflow strain during periods of growth
Seasonal increases in working capital requirements
One-off liquidity events requiring short-term support
These situations are often time-sensitive and require a pragmatic, structured approach rather than a standardised lending product.
How Jardine Norton supports
Our approach focuses on structuring funding that aligns with the underlying cashflows of the business. Facilities are typically:
Short-to-medium term in nature
Structured around identifiable cashflow drivers
Designed to address a specific funding requirement
Implemented efficiently following a focused review process
Each transaction is considered on its own merits and structured accordingly.