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By sectorUK Ltd & LLP onlyFunding, sector by sector
Cash-flow problems look different depending on what you do. These pages set out how the gap actually forms in each sector, what operators use funding for, and what an advance costs on our published rates — before you speak to anyone, including us.
Find yours.
Every page carries the same facts: Solvo lends £10,000 to £75,000 from its own book over 20 or 26 weeks, usually funded within 24–72 hours of final documents. Larger facilities are arranged through our lending partners. Applying costs nothing and takes about three minutes.
Funding for restaurants, cafés and bars
Hospitality earns daily and pays monthly — and the gap between the two is where most operators get squeezed. Solvo lends its own money against that pattern, with one decision and a fixed total cost.
Read more → Sector · ConstructionFunding for construction firms and trades
You buy materials and pay labour in week one, and get paid in week ten. That gap is not a business problem — it is a funding problem, and it has a price you can calculate in advance.
Read more → Sector · RetailFunding for retail and e-commerce
Stock is cash you cannot spend. The whole discipline of retail funding is buying enough to meet demand without turning your bank balance into a stockroom.
Read more → Sector · TransportFunding for transport and logistics
Fuel, wages and maintenance go out weekly. Customers pay on 30, 60 or 90 days. Everything in between is working capital.
Read more → Sector · Professional servicesFunding for agencies and professional services
Your costs are people, and people are paid monthly regardless of when the client pays. That is the entire cash-flow story of a services business.
Read more → Sector · Personal careFunding for salons, clinics and personal care
Daily card takings, monthly rent, and equipment that costs five figures when it fails. A predictable business with an unpredictable cash calendar.
Read more → Sector · ManufacturingFunding for manufacturers and engineering firms
Raw materials, tooling and labour are paid for months before the finished order is invoiced. That interval is working capital, and it has a price you can calculate in advance.
Read more → Sector · HealthcareFunding for dental, veterinary and healthcare practices
Equipment that costs five figures, staff paid monthly, and a chair that earns nothing the day it stops. Predictable revenue, lumpy costs.
Read more → Sector · EventsFunding for events, catering and wedding businesses
Deposits arrive months early, costs land days before, and the balance clears afterwards. Seasonal revenue against year-round overheads.
Read more → Sector · FitnessFunding for gyms and fitness studios
Recurring memberships are the most predictable revenue there is. Equipment and rent are anything but.
Read more → Sector · FacilitiesFunding for cleaning and facilities businesses
Staff are paid weekly or monthly. Commercial contracts pay on 30, 60 or 90 days. The whole business lives in that gap.
Read more → Sector · WholesaleFunding for wholesalers and distributors
Stock is bought up front, often from suppliers who want payment before shipping. It sells on terms. Capital sits on a shelf.
Read more → Sector · VeterinaryFunding for veterinary practices
Equipment is paid for on order. Insurance claims settle weeks after treatment. The practice carries the gap.
Read more → Sector · VeterinaryFunding for veterinary practices
Equipment is paid for on order. Insurance claims settle weeks after treatment. The practice carries the gap.
Read more → Sector · ChildcareFunding for nurseries and childcare providers
Ratios are set by regulation, so payroll cannot flex. Occupancy and funding cycles can.
Read more → Sector · PrintFunding for print and signage businesses
Substrate, ink and machine time are spent up front. The invoice goes out on 30 days.
Read more → Sector · Licensed tradeFunding for pubs and bars
Takings move with the season, the weather and the fixture list. Rent and payroll do not.
Read more →