The best time to talk about difficulty is before it arrives. If you can see a squeeze coming but have not missed anything yet, that is exactly the moment to get in touch.
Prevention beats repair
Reaching out while you are still up to date means we can adjust a payment date, arrange a short extension, or plan a reduction before anything goes wrong. Pre-empting a squeeze is far easier than recovering from arrears.
It costs you nothing to ask
A conversation about what would be available if you needed it does not count against you or trigger any action. It simply means you know your options in advance.
How to raise it
Use the Callback Request form or the contact page to flag that things are tightening, even before a payment is at risk.
Early, pre-emptive contact is the smartest move of all.
We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.
See also: Contact us early if your company cash flow is tightening, Does asking about support count against me?, Can I change my payment date to match my cash flow?.