UNEXPECTED EVENTS

Confidently navigate the unpredictable

Ensure you are financially equipped to handle any situation that comes your way with creative funding solutions.

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Prepare your business for the unexpected

Unexpected expenses can derail any business’ best-laid plans and can strike any business, anywhere, at any moment.

When unforeseen challenges arise—like supply chain disruptions, delayed payments, or emergency expenses—alternative funding solutions provide fast, flexible access to finance. With bespoke options like invoice and cash flow finance, businesses can maintain stability, protect operations, and navigate uncertainty with confidence.

Alternative finance helps businesses to stay resilient through the unexpected

17

of trading UK businesses reported having no cash reserves*

20

of SMEs that applied for finance were rejected — meaning many firms cannot raise funding when they need it most.**

ONS, June 2025*

BBB, SME Finance Survey**

 

When business changes fast, your financing should too

Every business has its challenges. Successful business leaders focus on what they can control: their strategy, growth plans, efficiency and customer satisfaction.

But even with all the right pieces in place, unexpected events can happen.

  • Are you dealing with unexpected or urgent resource needs?
  • Is there a chance for you to undertake an exceptionally sizable project?
  • Do you have plans to establish a new branch or venture into a new business area that necessitates a substantial initial investment?
  • Has a large customer defaulted on their debt to you?
  • Has your business experienced a sudden boost in clients?

Any of these events could end up a missed opportunity or even worse, cause harm to your business. The solution is fast and flexible working capital financing, available when you need it, on terms that work for you.

 

Keep your business agile, in the face of disruption

No matter how well-run your business is, unexpected events can strain cash flow, delay progress, or derail growth plans. Whether you’re facing urgent resource needs, taking on a high-value project, launching a new venture, or responding to customer defaults—speed and flexibility are critical.

Our event-driven funding solutions are built for moments like these. With rapid approvals, bespoke terms, and funding based on the value of your assets, we help you move quickly and stay in control.

Turn potential setbacks into strategic wins with funding that adapts to your business reality.

 

When business changes fast, your financing should too

Every business has its challenges. Successful business leaders focus on what they can control: their strategy, growth plans, efficiency and customer satisfaction.

But even with all the right pieces in place, unexpected events can happen.

  • Are you dealing with unexpected or urgent resource needs?
  • Is there a chance for you to undertake an exceptionally sizable project?
  • Do you have plans to establish a new branch or venture into a new business area that necessitates a substantial initial investment?
  • Has a large customer defaulted on their debt to you?
  • Has your business experienced a sudden boost in clients?

Any of these events could end up a missed opportunity or even worse, cause harm to your business. The solution is fast and flexible working capital financing, available when you need it, on terms that work for you.

 

Keep your business agile, in the face of disruption

No matter how well-run your business is, unexpected events can strain cash flow, delay progress, or derail growth plans. Whether you’re facing urgent resource needs, taking on a high-value project, launching a new venture, or responding to customer defaults—speed and flexibility are critical.

Our event-driven funding solutions are built for moments like these. With rapid approvals, bespoke terms, and funding based on the value of your assets, we help you move quickly and stay in control.

Turn potential setbacks into strategic wins with funding that adapts to your business reality.

UNEXPECTED EVENTS FINANCING

How prepared is your business for an unexpected event?

Unexpected expenses and opportunities are part of running a business—whether it’s emergency resource requirements, a sudden customer default, or the chance to take on a large new project. That’s where cash on hand comes in. It refers to the working capital your business can access quickly—whether for emergencies or strategic investments. Think of it as your financial buffer.

NOTE

The current ratio shows how many times your business’ current or liquid assets can cover its short-term debt or unexpected events.

A current ratio of 1.2 to 1 or higher generally provides a strong enough cushion to weather unexpected events. A current ratio that is lower than the industry average may indicate a higher risk of distress or default.

In times of economic uncertainty, most businesses prefer a higher current ratio of 2 to 1 or 3 to 1.

Leveraging eCapital’s creative funding solutions will allow you to quickly improve your current ratio and better prepare your business for unexpected events.

DIVE DEEPER

What is unexpected events financing?

Unexpected event financing is a form of fast, flexible funding solution designed to help businesses respond to unforeseen challenges or sudden opportunities—like resource demands, customer defaults, supply chain disruptions, or unexpected growth. Think of it as rainy-day funding for your business—immediate cash that’s ready when things don’t go as planned.

Just like a personal emergency fund, unexpected event funding gives your business a financial cushion. It ensures you can cover urgent expenses, seize time-sensitive opportunities, or maintain operations during a disruption—without derailing your long-term strategy or cash flow. It’s not about planning for failure—it’s about being prepared for real-world business volatility.

Have more questions? Our experts are here to make funding simple, clear, and stress-free.

Contact Us

Businesses that can benefit most from unexpected events financing:

  • Manufacturing Companies – Unexpected supply chain disruptions, equipment failures, or urgent production runs can strain cash flow without rapid funding.
  • Transportation, Haulage and Logistics Providers – Vehicle repairs, fuel cost spikes, or contract surges often demand immediate working capital to avoid operational downtime.
  • Wholesale and Consumer Goods – Bulk order surges, supplier delays, or seasonal inventory demands can create unexpected financial pressure that requires rapid resolution.
  • Professional Services Firms – Law firms, consultants, or agencies taking on large clients or projects may need upfront capital to hire staff or manage deliverables.
  • Staffing and Recruiting Agencies – Winning large new contracts or facing sudden payroll increases due to onboarding spikes requires immediate liquidity.
  • Engineering Firms – Project delays, equipment breakdowns, or sudden material cost increases can create urgent funding needs to keep projects on schedule and clients satisfied.
  • Security Firms – Regulatory costs like SIA licensing and training can hit unexpectedly, while urgent client requests demand fast action. Access to funding helps firms stay compliant and ready to respond at short notice.
  • Food and Beverage – Seasonal demand spikes, supply chain delays, and unexpected equipment issues can quickly impact cash flow. Access to funding ensures businesses can stay stocked, keep operations running, and serve customers without disruption.

Here’s what you can expect from eCapital

When it comes to funding your business, you need more than a traditional lender—you need a partner who understands your operations, your assets, and your urgency.

  • Immediate access to liquidity
  • Streamlined applications, fast decisions, and predictable access to funds.
  • Solutions that adjust as your cash flow or working capital needs change.
  • Flexible, non-bank options that are asset-driven, not credit-score-driven.
  • Financing based on the value of their receivables—not based on rigid financial ratios.
  • Discreet, behind-the-scenes funding solutions that allow you to operate normally.

OUR PHILOSOPHY

Provide dynamic financing to keep your business moving

Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise lies in tailored funding — from small and mid-market facilities to large, complex solutions — delivered with meticulous, hands-on strategies that adapt to meet the unique needs of UK businesses.

Our regional experts are agile and client-focused, supported by the resources to handle complex challenges. We’re a reliable credit partner through every business cycle — flexible, patient, and proven. Our track record speaks for itself.

Fast facts
20
YEARS OF SERVICING UK CLIENTS
5000
SATISFIED CLIENTS GLOBALLY
VIEW OUR LATEST PARTNERSHIPS

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See if unexpected event financing is right for your business.

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Frequently asked questions about financing
for unexpected events

How can I prepare myself financially for unexpected events?

Financial Preparedness Tips

Diversify income sources: Relying too heavily on a single product, service, or customer is risky. Broaden your offering or target new sectors to spread exposure.

Build an emergency fund: Aim to set aside reserves equivalent to at least three to six months of essential operating costs. This buffer can help cover temporary losses in revenue or unforeseen expenses.

Maintain accurate financial records: Up-to-date accounts and clear reporting provide visibility into your company’s health, making it easier to spot problems early and react effectively.

Strengthen funder relationships: Establishing open communication with your finance provider contributes to the overall success and sustainability of your business. The best independent funders have the expertise to advise on complex scenarios, which can prove invaluable during times of disruption.

Regularly reassess risks: Continuously monitor the external environment. Shifts in regulation, supply chains, or customer demand can quickly alter risk profiles. Update your plans as new threats and opportunities emerge.

What is spontaneous financing?

A spontaneous source of short-term credit is the type of financing arising from the business’s regular daily operations such as the trade credit and payables from the operations. As the sales of a business increase, it leads to a rise in account payables due to the rise in purchases needed.

What is an example of an unexpected event that can seriously affect your finances?

Common examples of disruptive events include:

  • Loss of a major client
  • Natural disasters and extreme weather
  • Public health crises or pandemics
  • Cybersecurity breaches
  • Economic downturns
  • Political or regulatory changes
  • Supply chain interruptions
  • Technology system failures
  • Sudden tax liabilities

Ask an Expert

We’ve got a team of financing experts available to answer any questions you may have about unexpected events financing.
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Looking to learn more about an unexpected events?

Read our article The Art of Future-Proofing: Safeguard Your Business From The Unexpected With Specialty Finance

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