Media Hub | News | 2014

John Davies talks about business funding

Interviewed by Britain Means Business.

Here is what Marketing Director John Davies has to say about starting up a business, how business owners need to remember the all important numbers; cash, stock and working capital, and how Just Cashflow offers flexible funding solutions to help UK businesses grow.

And find out why John thinks Theo Paphitis is the #1 figurehead of British entrepreneurialism.

And in words.

Britain means Business because?

Having run companies in a number of jurisdictions both in Europe and the US, without doubt the UK is more sympathetic to those wanting to run a business. It's easier to set up, easier to get started, and it's easier to be accepted by the rest of the community, whereas in other countries, that can prove to be quite difficult.

So the answer is, using proper structure for the proper way of being able to conduct business makes Britain mean Business.

Tells us a bit about your company.

Well, Just Cash Flow is as it says on the tin, it provides small businesses (businesses with maybe between 5 and 20 employees) where they need working capital; so, think of a bank overdraft, and that's what Just Cash Flow provides for those companies.

How can you company benefit entrepreneurs and business owners?

If you can, don't borrow money, but if you do need to fund your business growth, then what we provide provides exactly what a young business should want ? flexibility. You don't necessarily know how much money you want to raise on Day 1 because you don't know how that business is going to evolve.

You don't necessarily want to sell equity or too much equity on Day 1 because again you don't know how big your ideas are going to be. So therefore when you're considering your growth and understand your own business, then having flexibility of funding helps, and that's why we try to help these younger businesses get to that particular position.

What areas of the business do most entrepreneurs and business owners forget about?

The numbers! Yes, they just forget to realise that, at the end of the day they've got to be able to manage their cash, and that's their working capital, stock.

Back in my own early days, I learned one important lesson, and that is that a company can over-trade if you're successful, which means you are trying to fund all of your stock and all of your work in progress, and everything else without realising that the more you're trying to do, the worse the position becomes.

So therefore, certainly the understanding of cash and what cash can do for you, understanding where you can fall short, is critical in your business growth.

Heads or Tails?

And it's heads...

Who is your #1 figurehead of British entrepreneurialism?

Probably an instant choice perhaps - Theo Paphitis probably ticks a lot of those boxes from my point of view a) because he has headed up great retail businesses, and if you think about the growth of the Internet over the last number of years, he's done that in the face of that.

He's clearly a family man because he talks about his family nearly all of the time, and also his charity work, so therefore he appears to us as someone who has built some great businesses and done it without stepping on other people's toes, and again hasn't forgotten his roots, and still actually wants to look after the family and others. So, well done Theo!

Originally Streamed by Britain Means Businesson in November 2014.

Subscribe to our Vimeo Channel for more videos.

News and Media

Just scroll through the timeline for all our news and video.









  • Interview by Business Connections

    The Business Show 2014 Olympia

    Watch Now
  • Britain Means Business Interview

    John Davies talks about business funding

    Interviewed by Britain Means Business.

    Watch Now
  • Just Cashflow launches BDM recruitment drive

    As industry debates circulate about the value of the human touch versus technology, commercial lender Just Cashflow has proved its positioning on business relationships by prepping to recruit 8 more Business Development Managers.

    Read More
  • FeeRoller

    FeeRoller Launched

    For Professional Firms to cover late payment of fees to them OR for their clients so that they can pay their fees on time.

    Read More
  • With great funds comes great responsibility

    Alternative lenders such as Just Cash Flow are in a privileged and responsible position as we get to see the plans of businesses keen to invest and grow. Many are well thought out, based on...

    Read More
  • Education is key

    "Too many small businesses don't survive"

    Read More
  • MDDegree


    Just Cashflow's twitter interview with Bizitalk discussed whether a national qualification for company Directors should exist?

    Read More
  • So you want the cash?

    Then get credit worthy.

    Read More
  • A lack of knowledge can set alarm bells ringing

    Just Cash Flow PLC launched in the UK in early 2014. Marketing Director John Davies reflects on experience to date

    Read More
  • WageRoller Launched

    Just Cash Flow PLC has added a new product to its expanding portfolio of facilities designed to help UK businesses fund their growth.

    Read More
  • Just Cashflow smashes £3m milestone

    After passing £1 million in lending this June, Just Cashflow has now accelerated through the £3 million milestone in what is usually a quiet month for the industry.

    Read More
  • Financial Professional Show sponsor

    Just Cashflow has been revealed as the latest sponsor of the highly anticipated 2014 Finance Professional Show

    Read More
  • Just Cashflow hits £1m in deals

    Just Cash Flow PLC has announced it is celebrating its first million pound milestone, after only soft-launching in March.

    Read More
Insights Logotype

Insights is Just Cashflow's online resource and information centre for ambitious growing businesses.

It offers inspirational profiles, expert knowledge and more, backed up by a range of briefings, checklists and other information that we hope will help you to develop your business.

Read now