Fast financing for businesses – what are the options in 2025?

The need for quick financing can arise when you least expect it: a large order, unexpected costs, or a sudden growth opportunity. But how do you access capital without getting stuck in a lengthy banking process?

Fortunately, there are now several alternatives to traditional bank loans – tailored to small businesses and quick needs. In this guide, we'll go over the most common ways to quickly get money to seize business opportunities or secure your business.

1. Invoice financing or invoice purchase (factoring)

If you have outstanding invoices but need the money now, factoring can be an effective way to increase liquidity. You get up to 98% of the invoice amount paid immediately, and the rest when the customer pays.

Suitable for: consultants, craftsmen, B2B services.

2. Short-term corporate loans

A traditional business loan can take time to obtain, but some digital players offer loans with approval within 24 hours. These loans are suitable for temporary needs and often have flexible repayment terms.

Suitable for: seasonal variations, promotions or occasional expenses.

3. Line of credit (overdraft)

A line of credit gives you access to a predetermined amount that you use when needed. You only pay interest on the amount used.

Suitable for: ongoing cash flow needs and unforeseen expenses.

4. Leasing and installments

If you need equipment, vehicles or machinery, leasing can be an alternative to loans. You don't tie up capital and don't have to burden your balance sheet.

Suitable for: investing in tangible assets without large expenses.

How to improve cash flow as a small business owner

Cash flow is the lifeblood of a business. Without stable cash flow, it doesn't matter how good your business idea is. Having control over cash flow is crucial to avoiding liquidity crises and being able to grow in line with demand.

Here are five smart ways to improve cash flow today:

1. Invoice directly and set clear payment terms

Send the invoice as soon as the job is done, and avoid unnecessarily long payment terms. 10 days instead of 30 can make a big difference.

2. Use reminders and timely debt collection

Don't wait too long to remind you of unpaid invoices. Automated systems make this easy and professional.

3. Improve inventory management

Don't tie up capital in products that don't sell. Keep track of what is being spent, and optimize your purchases accordingly.

4. Make a cash flow budget

A simple forecast for the coming months will help you anticipate downturns and prepare measures.

5. Sell invoices when needed

Do you need money right away? Selling invoices can be a temporary but effective solution to replenish your cash flow.