Cashflow Loans for UK Businesses – Get Matched Fast
Summary (quick answer): Cashflow loans are short-term working capital facilities that help UK companies bridge payment gaps, cover seasonal dips or fund immediate costs. Fast Business Loans doesn’t lend — we quickly match limited companies (from £10,000 upwards) with specialist lenders and brokers so you can compare options without impacting your credit score. Complete a short enquiry to get tailored matches fast: Get Started – Free Eligibility Check.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Why Cashflow Loans Matter in 2024
Many UK businesses face payment timing challenges: late invoices, seasonal sales variation, supplier demands and unexpected costs. A cashflow loan is designed to fill short-term funding gaps so operations continue uninterrupted. Compared with longer-term finance, cashflow lending is faster to decision and tailored to immediate working capital needs.
Common use cases:
- Bridging payroll or supplier payments while waiting on customer receipts
- Buying seasonal stock ahead of peak trading
- Managing an unexpected short-term drop in sales
- Supporting rapid but temporary growth (e.g., new contract mobilisation)
If you want a rapid indication of suitability, start a no-obligation check here: Free Eligibility Check.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
How Fast Business Loans Works
We act as a fast introducer — not a lender. Our role is to match your limited company with brokers and lenders who specialise in cashflow and working capital solutions.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Complete our short enquiry form (under two minutes).
- We match your details to a panel of lenders and brokers who best fit your sector and funding need.
- Partners contact you with tailored offers and next steps.
- You compare offers and decide — there’s no obligation to proceed.
Enquiries do not affect your credit score. Ready to be matched? Start My Cashflow Loan Enquiry.
What Is a Cashflow Loan?
A cashflow loan is short-term business finance aimed at supporting day-to-day working capital. Lenders assess cash generation, turnover and bank performance to offer solutions that suit your timing and affordability.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Unsecured vs Secured cashflow loans
Unsecured cashflow loans require no business asset as security but usually carry higher rates and stricter affordability assessments. Secured options (e.g., against property or plant) can offer larger amounts or lower rates but involve putting assets at risk.
Typical loan amounts & terms
Our panel commonly arranges facilities from around £10,000 up to several million. Terms vary: short-term loans and merchant facilities are usually repaid over weeks or months; revolving lines or term loans can extend to several years. All figures are indicative — actual terms depend on lender assessment.
Note: Actual APRs, fees and terms depend on lender decisions and your business circumstances.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Learn more about specialist cashflow loans and how they compare with other short-term finance.
Is a Cashflow Loan Right for Your Business?
Use this checklist to gauge suitability:
- Your business has predictable receivables or sales but needs short-term cover.
- You can evidence turnover and business bank statements.
- You need funds quickly (days to a few weeks).
- You plan to repay from incoming invoices, seasonal sales uplift or a refinance.
If your needs are long-term growth, equipment purchase or property finance, alternative products (asset finance, invoice finance, commercial mortgages) may be more appropriate. Unsure? Get matched with a specialist to review options: Request a No-Obligation Cashflow Finance Match.
Cashflow Loan Options We Can Introduce
We introduce a range of facilities through our panel. Below are typical options (illustrative only):
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
| Type | Typical range | Time to funding | Key benefits |
|---|---|---|---|
| Unsecured term loan | £10k–£250k+ | 3–10 days | No asset security; quick access |
| Revolving credit facility | £25k–£1m+ | 1–2 weeks | Flexible drawdowns; pay interest only on used amount |
| Merchant cash advance | £10k–£200k | 24–72 hours | Repayment linked to card receipts; fast |
| Invoice financing | £20k–£5m+ | 48–96 hours | Unlock cash tied up in unpaid invoices |
Information is illustrative; offers are subject to lender assessment.
How We Support Different UK Industries
Our panel includes brokers and lenders experienced across many sectors. Examples:
Construction & Trades
Short-term funding for materials and labour while waiting for retention or stage payments.
Hospitality & Leisure
Seasonal stock and staffing costs ahead of busy periods or refurbishment shortfalls.
Retail & E‑commerce
Buy inventory for seasonal demand, top up marketing budgets for growth campaigns.
Manufacturing & Logistics
Bridge supplier lead times, purchase raw materials, or smooth cashflow during ramp-ups.
If your sector has specialist needs, we match you to partners who understand it. Ready to speak to a specialist lender? Get Matched to a Specialist Lender.
Benefits of Using Fast Business Loans
- Fast matching with lenders/brokers who understand your sector
- No cost to use our service — free, no obligation enquiries
- Minimal admin on first enquiry; no credit footprint at enquiry stage
- Access to a wide panel for better chance of a suitable offer
- Secure handling of your information and clear next steps
“Saved us weeks of searching — lenders called within hours.” — Past client feedback (for illustrative purposes; replace with approved testimonial).
Eligibility Snapshot
Typical minimum criteria our partners consider:
- UK-registered limited company (we organise loans from £10,000 upward)
- Minimum trading history (often 6–12 months depending on product)
- Evidence of turnover and business bank statements
- Basic company and director identity checks
Some partners will consider businesses with imperfect credit or newer trading histories — matching helps find the right specialist. See if you qualify with a quick check: See If You Qualify – Free Check.
What to Expect After You Apply
After you submit an enquiry:
- One of our matched partners will contact you (often within hours during business days).
- You may be asked for bank statements, trading figures and ID to obtain firm offers.
- Receive and compare multiple proposals where available. There is no obligation to accept any offer.
Submitting the enquiry does not affect your credit score. Ready to begin? Get Quote Now – Free Eligibility Check.
Responsible Finance & Compliance
Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not provide financial advice or underwrite loans. Our information is clear and non-misleading; we encourage businesses to assess affordability and seek independent advice where needed.
We handle personal and business data securely and only share details with lenders/brokers who are suitable matches for your enquiry. For full details see our Privacy Policy and Terms of Use.
Cashflow Loan FAQs
What documentation do lenders typically require?
Most lenders ask for recent business bank statements (usually 3–6 months), company accounts or management accounts, proof of ID for directors and details of the funding purpose. Specifics vary by lender and product.
How quickly can funds be released?
Timelines vary: some merchant facilities release funds within 24–72 hours; unsecured term loans and revolving facilities typically take several days to a couple of weeks depending on checks and documentation.
Will my credit score be impacted by enquiring?
No. Completing our enquiry form does not affect your credit score. Lenders may carry out credit checks later if you choose to progress with an offer.
What interest rates should I budget for?
Rates depend on product, loan size, term and business risk. Short-term unsecured facilities typically carry higher rates than secured or asset-backed options. All rates are indicative and subject to lender assessment.
Can start-ups secure cashflow finance?
Some lenders and specialist brokers work with younger businesses, particularly when directors can evidence sales, contracts or personal guarantees. Availability depends on trading history and product type.
What if I have existing business debt?
Existing debt isn’t an automatic barrier. Our partners assess total liabilities and cash generation to determine affordability and may suggest restructuring or refinance options if appropriate.
Do you charge fees for introducing lenders?
No. Fast Business Loans is free for business owners. We are paid by our partner lenders or brokers if you proceed with a funded deal; you will be informed of any lender fees in offer documentation.
How do you protect my information?
We process data securely and share it only with matched partners for the purpose of finding finance. We never sell your details for unrelated marketing. See our Privacy Policy for specifics.
Can I apply for multiple finance types at once?
Yes. On the enquiry form you can indicate the types of funding you’d like to explore — for example, cashflow loans and invoice finance — and we’ll match you to partners who can help with those needs.
What happens if I want to repay early?
Early repayment terms vary by lender and product. Some facilities allow penalty-free repayment; others include early repayment fees. Always check offer terms and ask your lender for a clear breakdown.
Get Started with Cashflow Funding Today
Fast Business Loans speeds up the search for suitable cashflow finance. Our short enquiry connects your limited company with lenders and brokers experienced in your sector — no cost, no obligation, and no credit impact at enquiry stage. Complete your details and receive tailored matches:
Get Quote Now – Free Eligibility Check
Reviewed by Sarah Mitchell, Commercial Finance Specialist.
– What is a cashflow loan and how does it work?
A cashflow loan is short-term working capital finance for UK businesses designed to bridge payment gaps, with repayments typically made from incoming invoices or sales.
– How quickly can I get funding?
Depending on the product, merchant cash advances can fund in 24–72 hours, while unsecured term loans and revolving facilities usually complete in several days to two weeks.
– Is Fast Business Loans a lender and will submitting an enquiry affect my credit score?
We’re an introducer that matches your limited company with specialist lenders and brokers, and our enquiry is a free, no‑credit‑footprint eligibility check.
– How much can my UK limited company borrow and for how long?
Our panel typically offers from £10,000 to several million with terms ranging from weeks or months for short‑term facilities to several years for revolving lines or term loans, subject to assessment.
– What documents do lenders usually require?
Expect 3–6 months of business bank statements, recent accounts or management accounts, director ID, and a summary of the funding purpose.
– Can start-ups or businesses with imperfect credit get cashflow finance?
Some partners will consider younger businesses or those with credit issues where turnover, contracts, or personal guarantees support affordability.
– What’s the difference between secured and unsecured cashflow loans?
Unsecured loans don’t require assets but often cost more, while secured options use property or equipment as collateral to access larger amounts or lower rates with assets at risk.
– What types of cashflow finance can you introduce?
We can match you with unsecured term loans, revolving credit facilities, merchant cash advances, and invoice finance to unlock working capital.
– Which industries do you support?
We connect companies across construction and trades, hospitality, retail and e‑commerce, manufacturing and logistics, and many other UK sectors with relevant specialists.
– What happens after I submit an enquiry?
You’ll typically hear from matched partners within hours, who may request statements and trading info before presenting tailored offers you can compare with no obligation.