Episode 13: How to Fix Cash Flow and Fund Business Growth

Cash flow tight even though your business is growing? You might be overtrading which is one of the biggest hidden risks for UK SMEs. In this episode of Make It Your Business, James Murray, founder of James Murray Finance, shares the same insights and systems he uses with his clients to help them fix cash flow problems and fund business growth the smart way. In this episode we uncover:What overtrading actually means and the early warning signsHow to choose the right business finance — from invoice finance to working capital loansWhen equity or debt makes sense (and when it doesn’t)Smart ways to manage supplier terms, deposits and JV dealsReal solutions used by UK business owners every day Whether you’re scaling fast or struggling to stay ahead of bills, this episode will help you understand your numbers, find the right type of funding, and avoid the pitfalls that catch so many growing companies. 👉 Learn more or get help with your business finance:https://www.jamesmurrayfinance.co.uk Chapters:00:00 - Introduction01:04 - Overtrading: what it is, why it happens and warning signs11:57 - Outline finance options and why people explore debt14:50 - Bootstrapping, examples like James Dyson, and what it means16:25 - Invoice Finance, Discounting and Factoring explained – including bad debt protection and credit control20:08 - Cash Flow Loans, Working Capital finance and unsecured loans23:30 - Equity and investors – the pros and cons of selling shares26:54 - Payday-style business loans – pitfalls and risks for UK businesses29:55 - Secured Finance – benefits of asset finance and ownership over renting33:00 - Smart Solutions – creative ways to manage cash flow and supplier terms38:00 - Outro – final tips and questions to take away