Which Funding Option is Best for Your Business?

Running a business is a rollercoaster. One day you’re riding high, the next you’re battling cash flow challenges.

At GRID Finance, we understand the unique pressures SMEs face. That’s why we offer a range of flexible funding solutions designed to help you navigate the ups and downs, seize opportunities, and keep your business thriving.

But with three distinct options – Flexible Finance for B2C businesses, Flexible Finance for B2B businesses, and Leasing.

This guide will break down each option, highlighting their key features and benefits, so you can make an informed decision that aligns with your business needs.

Understanding Your Business Needs
Before we dive into the funding options, it’s essential to understand your business needs. Ask yourself:

What is the nature of your business?
Are you a B2C business relying on card transactions, or a B2B business with longer payment cycles?

What are your immediate and long-term financial needs?
Are you looking to cover daily operational costs, invest in new equipment, or expand your operations?

How does your cash flow fluctuate?
Do you experience seasonal variations or irregular revenue streams?

Option 1

Flexible Finance for B2C Businesses

If you take card transactions, our Flexible Finance for B2C Businesses is the perfect solution for you. This funding option allows you to borrow up to €500k and match repayments to your daily revenue. Our pay-as-you-earn principle ensures affordable payments, so you can focus on growing your business.

Key Benefits:

Access up to 150% of your monthly credit card volume
Repay daily via your credit card terminal
Credit decision within 48 hours
Funds can be used at your discretion
Apply and manage your loan online with our open banking connection

Option 2

Flexible Finance for B2B Businesses

If you have a more complex payment cycle, our Flexible Finance for B2B Businesses is designed to meet your needs. This funding option allows you to borrow up to €500k and make a small daily payment that adapts to your level of trading income. In quieter months, repay less – supporting you when it matters most.

Key Benefits:

Access up to 150% of your monthly trading income
Credit decision within 48 hours
Funds can be used at your discretion
Apply and manage your loan online
Open banking connection, completing your application is easier than ever

Option 3

Leasing

If you need to upgrade your equipment or assets, our Leasing solution is the perfect choice. GRID Finance Leasing makes it simple to get the tools you need without the upfront costs. Our flexible, affordable financing keeps your business thriving with assets that work for you.

Key Benefits:

Flexible terms to preserve cash flow
Fast approval and access to the assets you need
Tailored to your business needs, with no ownership burden
Focus on your business without the headache of depreciation or outdated equipment

Which Option is Best for You?

Now that you’ve learned about our three funding options, it’s time to decide which one is best for your business. Consider your business needs, goals, and income patterns to make an informed decision.

If you take card transactions, Flexible Finance for B2C Businesses might be the perfect solution.

If you have a more complex payment cycle, Flexible Finance for B2B Businesses could be the way to go.

If you need to upgrade your equipment or assets, Leasing is the ideal choice.