• Belinda Milton

Every business has a story.


Imagine you have just received a big order from a reputable company. Before you do an excited jig, you realise that your current cash flow isn't enough to purchase all the necessary stock or equipment to complete your order.

So you quickly contact a loan lender and submit an online application, but the answer is NO, sorry, we can't help.

Now, where do you turn?

I love technology, but it is not always fit for every purpose. In this instance, an algorithm looked at your business income and expenses and decided that it didn’t think you could afford to repay the loan based on your current accounts and bank statements.

What it didn't know was your story. That's what we do. We write your story and then find the most suitable provider who will work with you because they understand your business as a whole.

They understand that you will receive payment 30, 60 or even 90 days after fulfilling that order, but you need to borrow money to fund it. So instead of looking at where your finances sit now, they know that you have money coming in, and they can decide based on that information.

Commercial lending is all about your story.

Where you have been, where you are now and where you are going.

✨Perhaps you made a loss one year because you invested in another company.

✨Perhaps Covid caused a blip in your finances, but here is a list of all the things you did to resolve the issue.

✨Perhaps you went through a divorce, and you needed to take money out the business to pay your partner.

✨Perhaps you bought additional stock because it was cheaper to buy in bulk and will increase your profits in the long run, but it has impacted your cash flow.

Most businesses have a story because most companies don’t run smoothly. We can present your story to a lender that looks at the whole picture and they can then decide based on your specific circumstances and not an algorithm.

So, what is your story?

Reservoir Finance is committed to educating SMEs and working alongside them to support accessing working capital solutions that help businesses thrive and grow. Send us a message if you would like to find out further information.