Cashflow Loans: Compare Fast, Flexible Options for Your UK Business

Summary: If your UK business needs working capital quickly, Fast Business Loans connects you—with a free, no-obligation enquiry we match your company to lenders and brokers who specialise in cashflow funding. We’re an introducer, not a lender: enquiries don’t affect credit scores and our service is free. Typical funding we arrange starts at around £10,000 and up. Ready to explore options? Get Started – Free Eligibility Check

Quick overview — why businesses choose Fast Business Loans

Fast Business Loans connects UK SMEs to lenders and brokers who can provide rapid working capital. We simplify the search, increasing your chance of a suitable match without lengthy comparison shopping. Our service is free to use, carries no obligation, and we only ask a few business details to begin the matching process.

• Free, no-obligation matching — you decide whether to proceed.
• Quick process — typical initial responses from partners are within hours.
• Wide lender panel — including providers for adverse credit and sector-specific needs.
• Suitable for loans from around £10,000 upwards.

Ready to compare options? Free Eligibility Check — Get Quote Now

What is a cashflow loan?

A cashflow loan is short- to medium-term finance designed to cover timing gaps between income and outgoings. It helps businesses pay suppliers, cover payroll, manage seasonal inventory or bridge delays in receivables.

Cashflow loans differ from invoice finance and overdrafts:

• Invoice finance turns unpaid invoices into immediate cash (often secured against invoices).
• Overdrafts are bank facilities linked to your account and can be variable in availability.
• Cashflow loans are typically fixed-term loans or facilities focused specifically on working capital needs.

When should UK businesses consider a cashflow loan?

Cashflow loans are appropriate whenever timing, rather than long-term viability, is the main issue. Common scenarios include:

Seasonal peaks and troughs

Retail, hospitality and agriculture often need cash to purchase stock or hire temporary staff ahead of peak periods.

Covering unexpected expenses

Plant breakdowns, unplanned repairs or an urgent supplier bill can require immediate funds to avoid disruption.

Bridging to longer-term funding

Use a short-term facility to stabilise cashflow while arranging a longer-term loan or restructuring existing finance.

Example: a marketing agency waiting on a large client payment uses a short-term cashflow loan to pay staff and suppliers; once the invoice clears, the loan is repaid.

Need options fast? Free 2‑Minute Enquiry — Match with Cashflow Lenders

How Fast Business Loans supports your cashflow funding journey

We don’t lend. Instead, we act as a bridge between your business and lenders/brokers who can help. Here’s how our process works:

1. Quick enquiry: You complete a short online form with business details and the funding amount (under two minutes).
2. Smart matching: We match your details to lenders and brokers who specialise in your industry and situation.
3. Rapid response: Matched partners contact you to discuss quotes, eligibility and required documentation.
4. Compare and decide: Review offers and choose the solution that suits your goals. There’s no obligation to proceed.

Illustrative case: “A construction SME secured £100,000 in working capital within five days after an introducer we matched them with negotiated terms.” (Example for illustrative purposes.)

We perform a soft assessment at the enquiry stage so your credit score is not affected. Lenders or brokers you choose to contact may later perform full credit and affordability checks with your consent.

Types of cashflow solutions we can help you compare

Our network can introduce you to a range of working capital products. Typical options include:

• Unsecured business loans — no asset required; suitable for short-term needs. Typical size: £10k–£500k. Pros: speed; Cons: higher rates than secured options.
• Revolving credit facilities — flexible access to funds up to an agreed limit; ideal for unpredictable monthly needs.
• Merchant cash advances — repayments taken from card takings; quick access but can be costly for low-margin businesses.
• Short-term secured loans — lower rates in exchange for security (e.g., property or equipment).
• Invoice finance bridges — release cash tied up in unpaid invoices; useful for B2B firms with long payment terms.

Each option has trade-offs between speed, cost, and eligibility. We’ll match you to partners who understand which product fits your sector.

Eligibility snapshot & what lenders look for

Requirements vary, but lenders commonly assess:

• Minimum and typical turnover (varies by lender).
• Trading history — many lenders prefer at least 6–12 months trading, though some specialist partners assist newer companies.
• Management accounts and recent bank statements (3–6 months).
• Credit history — options exist for adverse credit, but terms may differ.
• Security or director guarantees for secured facilities.

Documents you may be asked to provide:

• Company registration details (company number, VAT number if applicable)
• Recent business bank statements
• Management accounts or tax returns
• Details of outstanding loans or finance

Not sure if you qualify? Get a fast eligibility check — no fees, no obligation, no impact on your credit score at enquiry stage.

Responsible borrowing & compliance commitments

Fast Business Loans acts as an introducer, not a lender, and does not provide regulated financial advice. We aim to be clear and not misleading in our communications. When considering any loan:

• Check affordability — ensure repayments fit your cashflow plans.
• Understand costs — interest rates, fees, and early repayment terms vary by lender.
• Consider security — secured loans may put assets at risk if repayments are missed.
• Seek independent advice if you are unsure about the most suitable option.

Missing repayments can affect your business credit rating or put assets at risk. Our partners will explain terms and perform full checks before any agreement is finalised.

FAQs about cashflow loans via Fast Business Loans

How fast can my business receive funds?

Response times vary. After you submit an enquiry, matched lenders or brokers typically contact you within hours. Funding timelines depend on the product and how quickly documents are supplied; many short-term cashflow loans can complete within 24–72 hours once approved.

Will my enquiry affect our credit score?

No. Our initial matching uses a soft assessment so your credit score is not impacted. Lenders or brokers may perform hard credit checks later, but only with your consent.

What loan amounts are available?

Through our panel you can explore options from around £10,000 upwards. Some partners provide larger facilities into the millions depending on need and eligibility.

Can businesses with adverse credit apply?

Yes—many of our partners specialise in cases where credit history has issues. Terms can be different, so it’s important to compare offers.

Do you charge fees for introductions?

No. Our service is free for businesses. If you proceed with a lender, we receive a commission or referral fee which does not change the quotes you receive.

Can I repay early without penalties?

Early repayment terms depend on the lender and product. Many loans allow partial or full early repayment, but fees may apply—your matched partner will confirm before you sign.

Ready to strengthen your cashflow?

Fast Business Loans helps you find the right cashflow funding quickly and responsibly. We match your business to lenders and brokers best placed to deliver a solution—saving you time and increasing your chance of success.

• Free matching — no obligation to proceed.
• Fast responses — often within hours.
• Options tailored to your industry and circumstances.

Get Your Cashflow Loan Options Now — complete a short form and we’ll connect you with lenders and brokers who can provide quotes by phone or email. No obligation, no fee.

For more background on the types of funding commonly used to support working capital, visit /cashflow-loans.

Fast Business Loans is an introducer that connects businesses with finance providers. We do not provide financial advice or guarantee outcomes. Loans are subject to status, affordability and lender terms. Consider seeking independent financial advice before committing to any finance agreement.

1) What is a cashflow loan and how is it different from invoice finance or an overdraft?
A cashflow loan provides short- to medium-term working capital to bridge timing gaps, whereas invoice finance advances cash against unpaid invoices and overdrafts are variable bank account facilities.

2) How fast can my UK business receive funds?
After your enquiry, matched lenders typically respond within hours and, once approved with documents supplied, many cashflow loans fund in 24–72 hours.

3) Will submitting an enquiry affect our credit score?
No—Fast Business Loans uses a soft assessment for matching, with any hard checks only carried out later by a chosen lender or broker with your consent.

4) Is the online form an application?
No, it’s a quick, no‑obligation enquiry used to match your business with suitable lenders and brokers, not a finance application.

5) What loan amounts and terms can I compare?
You can explore cashflow facilities from around £10,000 upward (into the millions with some partners) over typical terms of 1–36 months depending on the product.

6) Who is eligible for a cashflow loan?
UK SMEs with demonstrable turnover and trading history are commonly eligible, and specialist partners may consider newer businesses or those with adverse credit.

7) What do lenders look for and what documents will I need?
Lenders usually assess turnover, trading history, credit profile and affordability, and commonly request 3–6 months’ bank statements, management accounts or tax returns, company details and information on existing finance.

8) Are you a lender and do you charge any fees?
We’re an introducer (not a lender) and our matching service is free for businesses; if you proceed, we’re paid by the provider without changing your quote.

9) What types of cashflow finance can you match me with?
Options include unsecured business loans, revolving credit facilities, merchant cash advances, short‑term secured loans and invoice‑finance bridges.

10) Can I repay early and are there penalties?
Early repayment is product‑ and lender‑specific, with many allowing partial or full early settlement, sometimes with fees that will be confirmed before you sign.