Maintain momentum
Helps an eligible business continue trading while cash is tied up elsewhere.
All financial services
SERVICE 06
Short-term liquidity for active businesses
Working Capital
Financing for eligible businesses that need additional short-term liquidity to sustain operations, fulfil demand, or support responsible growth.
Responsible assessmentEligibility and terms are confirmed after review.
Understanding the solution06
Service overview
Financing designed around a clear purpose.
A business can be profitable and still experience a cash-flow gap. Stock may need to be purchased before it is sold, suppliers may require payment before customers settle, or a growing order book may place additional pressure on materials and operating expenses. Working-capital financing is designed around those short-term operational requirements.
The financing should be linked to a clear business purpose and a realistic source of repayment. Applicants should be ready to explain how money moves through the business, the size and timing of the gap, and the expected commercial outcome. Union Financial reviews the business information and proposed use before confirming any product terms.
Important
Union Financial does not publish assumed approval times, interest rates, amounts, or guarantees on this page. Product availability, eligibility, pricing, security, repayment terms, and required documents are confirmed directly for each application.
Potential uses
What this financing may help you do.
The right use depends on the selected product, your eligibility, and the purpose accepted during assessment.
01
Purchasing inventory
02
Paying suppliers
03
Funding materials
04
Fulfilling customer orders
05
Supporting day-to-day operations
06
Managing temporary cash-flow gaps
07
Meeting short-term operating expenses
08
Supporting a responsible expansion phase
Why it can be useful
Built to support an important next move.
Respond to demand
Can support inventory or materials required for customer orders.
Improve planning
A defined working-capital cycle helps the business match funding to operational timing.
Support continuity
Provides a potential buffer for essential short-term expenses and supplier commitments.
Who it may suit
A relevant option for eligible applicants with a clear need.
Operating SMEs with a clear short-term liquidity need
Retailers and wholesalers purchasing inventory
Producers or service businesses buying materials
Businesses fulfilling confirmed customer demand
Entrepreneurs who can demonstrate business cash flow
Prepare for your enquiry
Information that may support your application.
Exact requirements vary. Preparing clear, current, and accurate information can help the team understand your request and advise you on the correct next step.
Ask for your checklistITEM 01Business and owner identification documents
ITEM 02Recent bank or mobile-money statements where relevant
ITEM 03Sales, purchase, or cash-flow records
ITEM 04Supplier quotations or customer orders where available
ITEM 05A clear explanation of the required amount and purpose
ITEM 06Business registration or tax documents where requested
ITEM 07Any additional assessment or security information
Application journey
Four clear next steps.
The team will confirm any additional product-specific actions as your request progresses.
Identify the cash-flow gap
Explain what the business needs to fund, when it is needed, and why.
Show how the business operates
Provide recent records that help demonstrate sales, costs, and cash movement.
Complete assessment
The proposed use, repayment source, and business information are reviewed.
Use funds for the agreed purpose
Eligible applicants proceed under the terms confirmed in their offer.
Speak with Union Financial