GoodFX is well known for foreign exchange - but it isn’t the only way we support businesses.

As companies grow, pressure often comes not from performance or demand, but from cashflow timing - long payment terms, upfront costs, inventory cycles or expansion outpacing cash collection.

For many ambitious, values-led businesses, this creates a real challenge: finding funding that supports growth without compromising flexibility, control or principles.

That’s where working capital solutions including invoice finance, trade finance and secured or unsecured lending form an important part of what we do.

At GoodFX, we help finance leaders choose the right tools to support growth, resilience and control, delivered through an ethical, transparent approach to finance.

Growth and Cashflow Don’t Move at the Same Speed

Healthy, growing businesses frequently experience cashflow pressure. Common causes include 

• customers paying on extended terms

• costs incurred ahead of revenue 

• inventory or production funded upfront.

These challenges are normal features of growth. Working capital solutions exist to manage timing, not to fix broken models.

Invoice Finance: A Practical Growth Tool

Invoice finance allows businesses to unlock cash tied up in unpaid invoices. Used intentionally, it can 

• improve cashflow predictability 

• support growth without equity dilution

• reduce reliance on short-term borrowing 

• give finance teams greater planning confidence.

Many well-run businesses use invoice finance as a deliberate part of their funding mix. The value lies not in the label attached to it, but in how the facility is structured.

Trade Finance: Supporting Supply Chains

For businesses buying, producing or moving goods, trade finance can help manage the cashflow impact of supply chains. It can:

• Fund goods in production or transit

• Bridge supplier payments and customer receipts

• Reduce operational bottlenecks

• Support scale without disruption

When structured responsibly, it strengthens resilience as businesses grow.

Secured and Unsecured Lending

In some cases, invoice or trade finance isn’t the right answer. Secured or unsecured lending can be a more appropriate option where businesses need funding that isn’t directly linked to invoices or stock.

Used in the right context, lending can:

• Support growth initiatives or strategic investment

• Fund projects, expansion or time-sensitive opportunities

• Provide clear repayment profiles and certainty for planning

• Complement other working capital solutions where appropriate

As with all funding, suitability and structure are critical. The right lending solution should support growth without introducing constraints that limit flexibility or future decision-making.

Working Capital as a Strategic Decision

Strong finance teams treat working capital solutions as tools, not defaults. 

Used well, they create flexibility and predictability. 

Used poorly, they can quietly restrict decision-making.

Our Approach

Alongside FX, GoodFX supports businesses with

• cashflow and working capital planning 

• invoice finance

• trade finance 

• secured and unsecured lending.

As a B Corp and ethical finance provider, our role is not to push facilities, but to help ambitious, values-led businesses access market‑leading solutions that support razor‑sharp growth plans.

Final Thought

Handled well, working capital solutions support momentum rather than constrain it, helping ethical businesses grow with confidence.