April 13

When is the best time to acquire finance?

Deciding whether your business could benefit from finance is one of the most important decisions you can make. But the question isn’t just how to get funding, equally as important is when to secure it.

The perfect time to obtain finance is as unique as your business is, it depends on your business stage, financial health and strategic goals. The good news is there are some key questions you can ask yourself to help find when the right time for your business is:

Before a planned growth phase

One of the best times to secure finance is before you need it.

If you’re planning to expand—whether by increasing headcount, investing in new equipment, opening a new location or launching a new product—finance can help you scale without straining your cash flow.

When cash flow is stable

Lenders prefer businesses with consistent revenue and positive cash flow.

If you wait until cash flow problems arise, you may find funding options limited or more expensive through higher interest rates. To avoid cash flow becoming critical, you should:

Forecast cash flow regularly

Identify funding needs early

Maintain a financial buffer

Being proactive and acting when cashflow is stable is the best way to increase negotiating power and reduce financial stress.

Ahead of seasonal demand

Does your business operate in an industry with predictable seasonal peaks, such as retail, hospitality, or construction.

Obtaining funding in advance of your peak season ensures you can meet demand without liquidity issues.

When opportunities arise

Sometimes growth opportunities appear unexpectedly, such as through a large new contract or a competitor exiting the market.

Having finance available allows you to act quickly and capture opportunities before competitors.

Key takeaway

The best time to acquire finance is before the need becomes urgent. Businesses with stable finances and forward-looking strategies typically secure better funding terms and use finance more effectively.

If you think your business could benefit from the help of our expert finance managers to understand your financing needs through forecasting, please get in touch with us at info@cura-accounting.co.uk.

Hear From Our Satisfied Customers:

Professional, Efficient and lovely to work with. A welcome addition to our team. They are of the highest quality and by pass the hassle of recruitment. Couldn't recommend them more. Bookkeeping and management accounting team are excellent!

Mahesh Hira

Texet

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I would highly recommend Cura Accounting Ltd. Having worked alongside the Cura team for almost a year now, we are extremely happy with the service provided. The transition from accounting internally to using them as a supplier was handled efficiently and professionally and within no time it was like we had always worked together, this has enabled us to focus on our customers and has helped create growth.

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Crown Services Organisations Limited

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Rolled LTD

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Becky is an asset to Cura and offers a lot of indispensable support to my team at K&N. The team at Cura have worked with K&N through some challenging times and Becky takes this in her stride supporting my team efficiently and punctually. Becky is reliable, supportive, responsive, and always acts with a helpful, professional attitude. No task is too small, and no challenge is too big, and we are grateful for her ongoing commitment to ensuring K&N continues to move forward. My team and I would recommend Becky to any company who are looking for a safe pair of hands as they consider outsourced financial services.

Leigh Tomlinson

K&N Filters

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Cura are professional and efficient with staff that are courteous yet firm when doing my book keeping
Exactly what is needed:)

John Mccann

Agilescopes LTD

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Chelsea has greatly improved our credit control processes through consistent updates, thorough investigations, and accurate reconciliations. I highly recommend Cura Accounting for their exceptional service.

Daniel Holstenberg

Timmins Group

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I wanted to take a moment to recognize the fantastic work that Charlotte does for us here at K&N. I’ve worked with Charlotte since I joined K&N leading the international business 5 years ago and over this time, Charlotte has always demonstrated a tenacious attitude with meticulous attention to detail. She is super reliable, extremely responsive and brings a lot of value to K&N. I’ve also noticed how she can effortlessly pivot from the small task to the longer-term strategic approach which is a skill that not everyone has. I would have absolutely no issue recommending Charlotte and the services of Cura to any company who are looking for outsourced financial services.

Leigh Tomlinson

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In Person

We recently moved our day to day accounting to Debbie and her team at Cura. Angie is our account manager and has been brilliant. Always contactable and has a smile on her face. We now realise we should have outsourced it sooner and would thoroughly recommend them to others. They have been efficient, contactable and helped whenever needed. A five star service from them all and cost effectective. Well done.

Nick Swift

Lamb & Swift

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We needed some urgent assistance and Cura Accounting were great. Angie was our account manager and she has been fantastic, very switched on & very supportive.
Would recommend them again at a moments notice.

Mike Bullen

Bullen Conservation Limited

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Angie and Donna are very knowledgeable really helpful to our SME accounts team on the workings of Xero. They also guided us on general housekeeping including processing of invoices and control around VAT and fixed assets. Can highly recommend if you want to make sure you are getting the best use out of your accounts package.

David Fox

Tampopo Ltd

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Outstanding service from start finish !! Cura's attention to detail is second to none and nothing is too much trouble. We have worked with Dan for over a year now and his contribution to our business is fantastic I would highly recommend Cura to any company looking for a professional accountancy firm who go above and beyond.

Matt Cullen

Impala Transport Solutions

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We have been a customer now for over 2 years, the service is always very attentive and the time freed up by having a weekly bookkeeper is astonishing, worth every penny. Keep it up!

Rhys Hainsworth

Target Tyres

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Lianne and the payroll team at Cura go above and beyond every week. They have been doing the weekly and monthly payroll for us for approximately 90 staff every week for the last couple of years and we can’t fault them, any queries we have are dealt with quickly and efficiently. We would definitely recommend them!!

Jenny

Wigan Pubs Ltd

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Debbie and her team at Cura have worked alongside us with our financials for many years and I can highly recommend them.
Debbie, Gillian and Linda all spend time on site with our team and provide a brilliant and friendly service from beginning to end.
I trust them all with every element of what they do. Reliable, professional and very dependable.

Kim Coward

Blue Spot Tools

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I love working with Tina at the Red Hall, she is really friendly and fits right in. Tina is very thorough with her work and Mondays would not be the same without her. Thank you!

Selina Li

Red Hall Hotel

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We're very happy with the service we receive from Cura Accounting. The team have worked with us through challenging times and taken it all in their stride, ensuring we have robust controls and processes in place to support our business. Gillian, Antoinette and the wider team are great to work with, always helpful and professional. We would recommend Cura Accounting if you are looking to outsource some or all of your finance function.

Ian Kilby

LCR Operations LTD

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