UK Cash Flow Crisis: Recovery Loan Scheme vs Invoice Finance vs Overdraft (Real Cost Comparison)
UK SMBs hit by late-paying customers face three main cash flow fixes: Recovery Loan Scheme (government-backed, 6–14.99% APR, up to £2M), invoice finance (advance 80–90% of invoices at 1–3%/month), or bank overdraft (15–20% EAR). The cheapest option depends on your gap size, duration, and debtor quality. AskBiz models the real cost of each for your specific situation.
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