Time Finance warns Christmas payment delays strain small-business cash flow

• Time Finance warned that slower Christmas payments could push profitable small businesses into financial difficulty during December and January.
• September and October are the optimal preparation window for assessing overdue invoices and stress-testing cash flow against delayed customer payments.
• The proposed Commercial Payments Bill would cap large businesses' payment terms at 60 days, potentially still too long for many SMEs.
• Invoice finance can unlock part of outstanding invoices' value to fund operations while businesses await customer payments.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Time Finance plc published the original content used to generate this news brief on October 27, 2026, and is solely responsible for the information contained therein.