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The most traditional form of working capital finance is through a Bank Overdraft facility. Essentially this is a business bank account that can be used for day to day transactions and can be drawn upon to a predetermined limit. 

Overdrafts are designed to accommodate the maximum cash requirement of the business’s cash flow cycle and the limit should be set to allow the account to fluctuate fully.

If your overdraft balance seems to always remain near its limit, you should consider refinancing the 'core debt' (the amount the balance never returns below) onto a term loan facility. This would enable you to re-gain that flexibility that every business needs.

Aston Mortgage will work with your Accountant to determine your working capital needs and demonstrate your limit requirements to the Bank.