Loan Amounts and Funding Terms
Loan terms between 3 months and 5 years with fixed monthly payments
Loan amounts over £2,000
Is your company in need of an increase in cash flow?
Do you want to source finance to cover your company expenses or increase investments?
Are you a UK registered business?
Have you been trading for at least 12 months?
Cash Flow Loans
Business cash flow loans are used to give a company’s short-term cash flow and readily available funds a positive boost.
Cash flow finance is designed to help company's experiencing a shortfall in working capital, as cashflow shortages can have a negative effect on the ability to operate effectively and efficiently.
There are a wide range of reasons why a company may experience a shortfall in its cash flow and the use of business cash flow loans can help reduce this negative impact. This is achieved by allowing a company to meet its operating costs and continue with the required level of spending.
How to apply for a cash flow loan?
Fill out our application form in less than 5 minutes
Your application will be allocated to your dedicated case manager
Your case manager will be in touch within 4 working hours
They will collect all required documents to process your application
You will receive a decision within 48 hours in most circumstances
You will receive your funds within 48 hours of acceptance in most circumstances
The Benefits of Cash Flow Finance
Flexible Terms and Borrowing Amounts
Cash flow loans are a flexible solution to boosting your company's cash flow.
While there is no limit, maximum borrowing amounts are determined by affordability assessments and credit checks.
All proposals are subject to full underwriting & acceptance.
Speed of Approvals
Cash flow finance applications and approvals are quick to process.
With no need for charges on assets or debentures, decisions are made based on you meeting the lenders eligibility criteria.
Many lenders will approve applications within 24 hours, provided that all the required documents are provided at the time of application.
Increased Spending Power
Whether you are a small business or large corporation, stable cash flow can be the make or break of any business.
If your company is currently experiencing a short fall in cash flow, cash flow loans give a positive cash injection to allow your company to meet its spending commitments.
As cash flow is king, the increase in readily available funds can enable your company to remain competitive and functioning efficiently.
No Risk to Assets*
Loans on an unsecured basis do not use collateral as part of the credit agreement, meaning your assets are not at risk in the first instance. Instead the loan is approved on the basis of your financial health and credit rating.
*In most cases a personal guarantee is required to secure the finance to protect the lender in the event of a default. Luckily, there are a range of personal guarantee insurance products available for businesses using unsecured finance.
Running a business can be both exciting and challenging. One of the many challenges business owners face is maintaining a healthy cash flow to keep their operations running smoothly.
Sometimes, unexpected expenses or a slow period can put a strain on the business's finances. This is where cash flow loans can be a good loan option, providing a boost to your business when you need it the most.
Cash flow finance is a flexible financing option that can be used for various purposes, such as purchasing inventory, covering payroll, or investing in equipment.
They offer quick access to funds, enabling business owners to seize opportunities and overcome temporary financial setbacks.
View our full range of business finance facilities here
Frequently Asked Questions
How to manage your cash flow
Cash flow is money moving in and out of a company. Incoming cash refers to revenue or external funding and outgoing cash are your expenses, such as stock purchases and wages.
One of the biggest challenges a company faces is the effective management of their operating cash flow. Whether you are a small business or large corporation, proper cash flow management can be the make or break of any business.
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What is Cash Flow Finance And How to Apply
According to the Bank of England, in 2022 Q1, there has been a strong demand for working capital finance as companies cope with unstable market conditions and the rise in material and labour costs. Revenue growth is good news for any business, but to improve efficiency you need to make investment and that requires cash flow.
Revenue, for many businesses has been impacted by the COVID-19 pandemic. However, there are other factors that have influenced revenue, such as seasonal trading or lower demand for products and services.
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Cash Flow Injection for Small Businesses
All businesses need cash flow to succeed and if your cash flow is running low you will need to look for a cash flow injection. Effective cash flow management can help you analyse how healthy your cash flow is and look for ways to improve it.
There are a few ways to get a cash flow boost, with some easier than others. Increasing sales is an obvious way of boosting cash flow, however this is not always easy. A quick way to potentially boost sales is to carry out promotions and increase marketing.
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