Growth capital beyond your bank's overdraft
Independent advice on bank and non-bank facilities. We recommend what's best for you — because we're not a lender.
Trusted by international businesses:
The funding gap
You've won the orders. You need capital to fulfil them. But your bank's overdraft is the only option you know — and its terms may be quietly restricting future financing options.
What we do
Needs assessment
Map cash flow cycles, growth plans, and contract structures to size the real requirement.
Market survey
Invoice finance, supply chain finance, venture debt, trade finance — we know what's available.
Terms comparison
Rates are the headline. We look at covenants, security, and the fine print.
Facility management
Drawdowns, reporting, compliance, and renegotiation when the time comes.
Why independent advice matters
Lenders sell products. Brokers earn commissions. We earn from FX execution — so our working capital advice is genuinely independent.
We flag risks others won't, like the all-assets pledge in a standard overdraft that blocks better financing later.
"Our overdraft had a hidden all-assets pledge. HedgeFlows spotted it and found us selective invoice finance at better rates, no personal guarantees. Freed up half a million in capital."
[Client Name]
Finance Director, [Recruitment company]
How it works
Requirements
Map your cash flow cycles and growth plans to size the real need.
Market survey
We survey the market for the best fit — bank and non-bank options.
Terms review
Compare terms, covenants, and the fine print others miss.
Implementation
We support drawdowns, reporting, and renegotiation as you grow.