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Summary: short-term lendin is dear, an it earns its place anely whan yer cash-flow gaps are smaw an haurd tae predict. For ither situations, cheaper options are wirth checkin first.
Cheaper options
Consider a business owerdraft, a business credit caird cleared within the billin cycle, invoice finance gin ye hae unpeyed invoices, a grant (gov.uk's Business Finance Support Finder lists fundin ye micht no hae tae pey back), or speirin a customer tae pey early.
Gin siller is awready ticht
Free independent business-debt advice is available frae Business Debtline (0800 197 6026).
Scots summary — the hale English version o this airticle is the authoritative ane. Read the hale airticle in English