Cashflow Loans Tailored for UK Businesses

Summary: If your business needs short-term working capital, a cashflow loan can bridge gaps between invoices, cover seasonal stock, or pay suppliers. Fast Business Loans does not lend money — we match UK companies to lenders and brokers who can provide cashflow finance from £10,000 upwards. Complete a quick, no-obligation enquiry to receive matched lender and broker contacts for free. Submitting the enquiry is not an application; it simply helps us find the most suitable partners for your needs.

What is a Cashflow Loan?

A cashflow loan is short- to medium-term business finance designed to cover gaps in working capital so day-to-day operations can continue uninterrupted. Lenders offer a range of structures — unsecured or secured, fixed-term or revolving — depending on the provider and the borrower’s circumstances.

• Purpose: bridge invoice delays, fund seasonal stock, cover payroll or supplier bills.
• Typical structure: short-term term loan, revolving facility or overdraft-style arrangement from specialist lenders or brokers.
• Loan sizes: Fast Business Loans arranges introductions for finance starting from £10,000 and upwards.

For a broader overview of the types of cashflow finance available, see our guide to cashflow loans.

cashflow loans

Why Partner with Fast Business Loans for Cashflow Finance?

We act as an introducer: we don’t lend, underwrite, or provide regulated advice. Our role is to match your business with lenders or brokers who specialise in your sector and funding needs. Key benefits include:

• Time saved: one short enquiry connects you to multiple suitable partners.
• Tailored matching: we consider sector, turnover and borrowing purpose when selecting partners.
• Free and no obligation: it won’t cost you to be matched and enquiring is not an application.
• Private and discreet: your details are only shared with selected partners who can help.

Our Cashflow Loan Matching Process

1. Complete a short enquiry (takes under 2 minutes).
2. We select the best-fit lenders and brokers from our panel based on your info.
3. Selected partners contact you to discuss options and provide quotes.
4. You compare offers and decide which provider — if any — to proceed with.

Start your cashflow loan enquiry — Free Eligibility Check

Who Can Benefit? Typical Cashflow Challenges We Solve

Cashflow loans suit a broad range of trading businesses that need rapid working capital. Common scenarios include:

• Hospitality and retail facing seasonal peaks and troughs.
• Construction companies waiting on retentions or staged payments.
• E-commerce firms needing stock for a sales event.
• Manufacturers with extended supplier lead times.

Hypothetical examples:

• Restaurant needing short-term top-up to cover a busy season’s staff and stock costs.
• Manufacturer bridging payment to a supplier while awaiting a major contract milestone payment.
• Online retailer investing in extra inventory ahead of peak trading.

Cashflow Loans vs Other Working Capital Options

Cashflow loans are often the best choice when you need a predictable lump sum or a short-term facility that isn’t tied directly to invoices. Invoice finance fits businesses with large receivable balances; overdrafts suit ongoing small fluctuations. Your situation determines the right product — our matching service helps identify the best fit.

Eligibility and Information You’ll Need

Typical criteria from our lending partners

• Minimum trading history (varies by lender).
• Turnover and profitability assessed relative to loan size.
• Director/shareholder information and credit profile.
• Purpose of the funds and basic repayment plan.

Documents to prepare

• Recent business bank statements (typically 3–6 months).
• Latest management accounts or annual accounts.
• Projected cashflow or business plan for the funding use.
• Relevant invoices, quotes or supplier orders if applicable.

Exact requirements vary by lender. Submitting our short enquiry helps us match you with partners whose criteria you meet.

Understanding Costs, Rates, and Repayment Structures

Rates and fees for cashflow loans depend on multiple factors including loan term, security, your business profile and the lender’s pricing model. Rather than quoting a single figure, lenders tailor offers based on risk and structure.

Common cost elements:

• Interest rate or fixed fee (may be daily, monthly or fixed over term).
• Arrangement or set-up fees.
• Early repayment charges on some facilities.

Repayment options vary: fixed monthly payments, weekly repayments, or revolving facilities where you draw, repay and redraw. When you request a match through Fast Business Loans, partners will explain fees and repayment options clearly so you can compare like-for-like.

Check your cashflow funding options – Free Eligibility Check

Responsible Borrowing & Compliance Considerations

Borrow only what you can afford to repay. Fast Business Loans aims to provide transparent information and introductions; we do not provide regulated financial advice. Consider seeking independent advice if you are unsure whether a product is suitable for your business.

• Ensure projected repayments are realistic for your cashflow.
• Ask lenders for a full breakdown of all costs.
• Compare multiple offers to find the most appropriate structure.
• Remember: submitting an enquiry is not an application and will not commit you to borrowing.

How Fast Business Loans Protects Your Data

Your data is stored securely and only shared with selected lenders or brokers who have been chosen as potential matches. We use industry-standard security measures and comply with applicable data protection rules. You can request details of who has received your enquiry at any time.

Example Cashflow Loan Use Cases

Ready to Explore Your Cashflow Finance Options?

Complete a short enquiry and we’ll match your business with lenders and brokers who specialise in cashflow finance. Matches are free and carry no obligation — the enquiries we collect are used only to find the best-fit partners who can provide quotes and next steps.

Get Quote Now — Free Eligibility Check

Typical response time: often within a few hours during business hours. Enquiry is not an application.

FAQs: Cashflow Loans for UK SMEs

Are cashflow loans secured or unsecured?

They can be either. Some lenders offer unsecured facilities for lower amounts or stronger businesses; others may require security (assets or personal guarantees) for larger sums. Our matching process highlights which lenders typically require security.

How quickly can funds be released?

Timescales vary: some specialist lenders can release funds within days once due diligence is complete; others may take longer. Fast Business Loans helps speed this up by matching you to partners that fit your urgency.

What amounts can I apply for?

We arrange introductions for cashflow finance starting from £10,000 and upwards. Exact maximums depend on lender criteria and your business circumstances.

Will checking eligibility affect my credit score?

No — completing our enquiry does not impact your credit score. Lenders may perform credit checks only if you choose to proceed with an application.

Do you support specific industries?

Yes — our panel includes partners experienced with construction, hospitality, retail, manufacturing, healthcare, transport and more. We select partners who understand your sector.

Can I still apply if I’ve been declined elsewhere?

Possibly. Different lenders have different appetite for risk; an introduction via Fast Business Loans may put you in front of partners who can consider your circumstances differently.

Are there fees for using Fast Business Loans?

No. Our matching service is free for business owners. Any fees or costs will be shown by the lender or broker you choose to proceed with.

Can I repay early?

Many lenders allow early repayment, though some facilities may include early repayment charges. Check terms before you accept an offer — we’ll help identify lenders whose terms suit your plans.

Key Takeaways

• Cashflow loans provide short-term working capital and are available from £10,000 upwards.
• Fast Business Loans introduces your business to lenders and brokers — we do not lend ourselves.
• Our service is free, quick and non-binding; submitting an enquiry is not an application.
• Get a Free Eligibility Check to see options tailored to your business.

Important: Fast Business Loans is an introducer, not a lender. We do not provide regulated financial advice. Any terms, rates or approvals are subject to the lender’s assessment. Consider seeking independent financial advice if you are unsure about the suitability of any product.

– What is a cashflow loan and how can it help my UK business? A cashflow loan is short- to medium-term business finance that provides working capital to bridge invoice gaps, fund stock or cover payroll and suppliers, and Fast Business Loans matches UK SMEs to lenders offering facilities from £10,000.

– Is Fast Business Loans a lender? No — Fast Business Loans is an introducer that connects UK businesses with trusted lenders and brokers for cashflow finance and other business funding, not a direct lender or adviser.

– How does the free eligibility check work? You complete a short online enquiry (not an application), and we securely share it with selected lenders and brokers who contact you with options and quotes, with no obligation to proceed.

– How quickly can I get funding? Many specialist lenders can release funds within days once documents are provided, and we usually arrange lender matches within business hours.

– How much can I borrow and what terms are available? Our partners offer cashflow loans from £10,000 upwards with short- to medium-term fixed loans or revolving facilities tailored to your needs.

– Will checking eligibility affect my credit score? No — submitting our enquiry won’t affect your credit score; any credit checks occur only if you choose to proceed with a lender.

– Are cashflow loans secured or unsecured? Cashflow loans can be unsecured or secured, with some lenders requiring a personal guarantee and larger amounts sometimes needing asset-backed security.

– What rates and fees should I expect? Pricing varies by lender, risk, term and structure, with interest or fixed fees plus any arrangement charges clearly shown so you can compare like-for-like.

– What documents do lenders usually require? Typical requirements include 3–6 months of business bank statements, recent accounts, a cashflow or plan for the funds, and relevant invoices, quotes or purchase orders.

– Cashflow loans vs invoice finance — which is right for me? Choose a cashflow loan for a predictable lump sum or flexible facility not tied to invoices, while invoice finance suits businesses that want to unlock cash from outstanding receivables.