Spread Business Bills and Take Control of Your Cash Flow

Managing cash flow as an SME can be tough—especially when big bills hit at the wrong time. Whether it’s a VAT deadline, a supplier invoice, or a marketing campaign, upfront costs can create pressure when cash is tied up elsewhere.

That’s why more businesses are now spreading the cost of their bills over time. It’s a smart way to stay in control without affecting supplier relationships or stalling growth.

Why Spread Your Bills?

Here’s why spreading business expenses is becoming a go-to strategy for UK SMEs:

• Preserve working capital for growth, not one-off payments
• Keep suppliers happy with full, upfront payments
• Smooth out seasonal cash flow fluctuations
• Improve predictability with fixed monthly instalments

How It Works

If you have an invoice, we may be able to help you fund it and spread the cost over:

• 3 months
• 6 months
• 9 months
• 12 months

Example: Spread a £6,000 bill over 6 months

• Pay £1,000 upfront
• Repay £1,000 monthly for 5 more months
• Your supplier still gets the full £6,000 up front

✅ You can continue uploading new invoices during your agreement term
✅ Repayment timelines stay fixed, even if you upload a bill on the last day

What Can Be Funded?

As long as there’s an invoice, you may be able to fund it. Some common examples:

• HMRC VAT bills
• Contractor or recruitment invoices
• Marketing & advertising spend
• Office fit-outs or tech subscriptions
• Equipment and supplier costs

Revolving vs Non-Revolving Access

We can offer two types of access, depending on what suits your business best:

Revolving Credit

Use, repay, reuse. Ideal for ongoing flexibility.

Non-Revolving Facility

One fixed credit limit to use during your agreement. Once repaid, a new application is required.

How to Apply

We’ve made the process simple and fully digital.
✅ Connect your business bank (via Open Banking)
✅ Link your Cloud Accounting software
✅ Get a decision within 24 hours

Not using cloud accounting? No problem—manual application options are also available.

Ready to Take Control?

If spreading bills sounds like the right move for your business, our team at Clear Business Finance is here to help.

Let’s make your cash flow work smarter—not harder.

Get in touch with our team
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