Lowry bridging finance, named after the famous Manchester artist L.S. Lowry, is a specialized form of short-term lending primarily focused on supporting businesses, often in the construction, property development, or manufacturing sectors, who are waiting for payment on invoices or contracts. It acts as a bridge to cover immediate cash flow needs until the larger, longer-term funding arrives.
Unlike traditional bank loans which can involve lengthy application processes and stringent credit checks, Lowry bridging finance is typically faster and more flexible. This makes it a viable option when businesses require immediate access to funds to meet pressing obligations like payroll, material purchases, or project expenses. The lenders specializing in this area understand the nuances of project-based funding and are often willing to take a more pragmatic view of risk compared to mainstream banks.
The core mechanism involves the business using outstanding invoices or contracts as collateral. The lender provides a percentage of the invoice value upfront (often between 70-90%), effectively advancing the funds the business is owed. Once the customer pays the invoice, the lender receives the payment and deducts their fees and interest, returning the remaining balance to the business. This process effectively unlocks the cash tied up in unpaid invoices.
There are several advantages to using Lowry bridging finance. The primary benefit is improved cash flow. Instead of waiting 30, 60, or even 90 days for customers to pay, businesses can access funds almost immediately. This helps avoid late payment penalties, allows for timely payments to suppliers, and facilitates the smooth continuation of operations. Another advantage is the ability to take on new projects. With readily available cash, businesses can bid on larger contracts or invest in expansion opportunities without being constrained by cash flow limitations.
However, there are also considerations to keep in mind. Lowry bridging finance usually comes with higher interest rates and fees compared to traditional loans due to the increased risk and short-term nature. It’s crucial to thoroughly compare the costs associated with different lenders. Furthermore, businesses need to ensure they have a robust system for managing invoices and customer payments. Delayed customer payments can impact the repayment timeline and lead to additional charges. Due diligence on the creditworthiness of customers is also crucial, as non-payment of invoices remains a risk. Therefore, while a useful tool for managing cash flow and enabling growth, Lowry bridging finance requires careful planning and consideration to ensure it remains a cost-effective solution.
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