Answer

I won a big contract but can't fund it — what do I do?

Winning a contract you cannot immediately fund is a cash-timing problem, not a dead end — short-term finance covers the up-front cost and is repaid as the contract pays.

2 min read

Timing gapCosts before income
Bridge itShort-term finance
Real marginMust cover the cost

Why the gap happens

A big contract means paying for labour, materials or stock before the client pays you — a stretch of the working-capital cycle. The order is profitable; the timing is the problem.

How to fund it

A short working-capital facility covers the up-front cost, and invoice finance can release value once you invoice. Check the margin comfortably covers the finance cost, then take the work.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online.

Frequently asked questions

Should I turn down a contract I can't fund?

Not if it is profitable and the client is reliable — finance exists precisely to bridge the gap between paying to deliver and being paid. Turning down good work for want of timing is the costlier choice.

How fast can I get funding for a contract?

Short-term finance can often be arranged in days with a well-prepared application, so a won contract need not wait long for funding.

Funding for UK limited companies

Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.