Working Capital Lines - Overdraft Alternatives

What it is

Flexible revolving credit for day‑to‑day cashflow.

Ideal for:

• Seasonal businesses
• Lumpy cashflow
• Businesses needing flexibility

AFNCF structures limits around your cashflow rhythm and negotiates reporting requirements.

How it works

• Draw and repay as needed
• Limits based on turnover, cashflow, or debtor ledger
• No property security required (depending on lender)

Why use it (the Why)

Provides flexible liquidity without locking into fixed repayments.

Pros

• Highly flexible
• Only pay interest on what you use
• No property security (in many cases)
• Supports seasonal or lumpy cashflow

Cons

• Higher rates than bank overdrafts
• Requires strong cashflow discipline
• Lenders may require monthly reporting

When it’s right

• You have seasonal revenue
• You need flexible liquidity
• You don’t want fixed repayments
• You want a buffer for operational stability