Staying liquid throughout the holiday period.

As the year winds down, many business owners feel the squeeze of holiday cashflow pressures. December and January often bring a perfect storm: higher expenses, slower customer payments, and in many cases, weeks with little or no income while payroll, rent, and supplier bills continue to drain funds.

This is where forward planning makes all the difference. By putting the right funding in place now, you can wrap up the year with confidence and step into 2026 secure.

Cashflow challenges at year-end

• Increased costs: Staff bonuses, stock purchases, and end-of-year obligations.
• Reduced revenue: Seasonal closures or delayed payments from customers.
• Ongoing commitments: Payroll, leases, utilities, and tax don’t pause for the holidays.

Funding options to stay ahead

1. Business Loans – Ideal for larger, one-off expenses. A lump sum with fixed repayments provides certainty and helps smooth out cashflow.
2. Overdrafts – A flexible buffer sitting behind your everyday trading account. Useful for unexpected shortfalls or timing gaps.
3. Lines of Credit – Access funds as needed, repay, and redraw. Perfect for managing cyclical ups and downs over the holiday period.

Unlike equipment finance, we facilities are assessed based off banks statement analytics, so it is important to look to get them set ahead of cashflow crunches, rather than once they have bitten!

Quick case study: Covering payroll in a quiet patch

One of our garment manufacturing clients faced a two-week closure over Christmas, meaning no invoices were being paid. By putting a modest line of credit in place ahead of time, they were able to cover payroll and supplier bills stress-free. When cashflow resumed in January, the facility was repaid quickly avoiding the anxiety of a December credit crunch

Finish strong, start secure

The end of the year doesn’t need to bring financial stress. With the right strategy, you can keep staff and suppliers paid, stay on top of obligations, and enter the new year with the confidence to grow.

If you’d like to discuss how cashflow funding could support your business, don’t hesitate to reach out to one of our brokers.