My business has grown rapidly in the last few months. I have more staff and upcoming VAT bills etc that I need to take care of but don't have the funds readily available. I have work set up and contracted (as in signed and 100% committed to clients) that more than covers these costs (approx 4 times as much) however a lot of these funds won't be released until after upcoming bills are due. I know many companies start up with a large sum of money to fall back on for things like this, but we have grown organically and rather quickly and no such funds are available. I have a small amount of credit available to me, but not enough and my bank will offer me a short term overdraft but I don't think it would be enough and it would be costly - really I need a long term arrangement where I can access funds should there be unexpected bills or a slow month in terms of cashflow over the next year or so while we continue to grow and bank up some reserves. Any ideas on the best way to do this? A 12 month loan? Any recommendations?