Who we are & how we help with cashflow loans

Fast Business Loans helps UK limited companies and growing small and medium enterprises (SMEs) find suitable cashflow finance by introducing them to experienced lenders and brokers. We don’t lend money or give regulated financial advice — instead we match your business with partners who specialise in working capital and short-term finance.

Our free service saves you time and helps you compare relevant options without multiple direct applications. Complete a quick enquiry and we’ll put you in touch with the right specialists to discuss rates, eligibility and timescales.

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What is a cashflow loan?

A cashflow loan is working capital designed to cover short-term gaps between income and outgoing costs. It’s commonly used to pay payroll, bridge delayed invoice payments, buy stock ahead of busy periods, or cover seasonal trading dips.

Cashflow finance can be secured (against assets or property) or unsecured depending on the lender and the size of the facility. Terms vary widely — from short-term loans repayable in a few months to revolving facilities providing ongoing access to funds. Lenders set terms based on your turnover, trading history and the business risk profile.

Important: our enquiry is not a loan application. It’s information that helps us match you with lenders/brokers who can provide terms suited to your business.

Cashflow finance solutions we can help you access

Unsecured cashflow loans

Unsecured loans let you access working capital without pledging assets. Typical amounts start from around £10,000 and can suit businesses with solid cash generation and short trading histories. Repayments and rates vary — brokers on our panel can help identify lenders willing to offer unsecured facilities for your sector.

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Revolving credit facilities & overdraft alternatives

Lines of credit give flexible access to funds as you need them, often with interest charged only on the amount used. These are useful for businesses with ongoing, variable cash-flow needs and can be a cost-efficient alternative to repeated fixed-term loans.

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Invoice finance & merchant cash advance

Invoice financing unlocks cash tied up in outstanding invoices; merchant cash advances provide funds repaid as a percentage of card sales. Both are tailored to businesses with significant invoice or card-sales volumes and can deliver rapid access to working capital.

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Short-term bridging & cashflow top-ups

Bridging facilities and short-term top-ups cover urgent gaps—useful when waiting on a large payment or securing immediate opportunities. Lenders in our network can often respond quickly once they have the required information.

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Are cashflow loans right for your business?

Signs you may need cashflow support

• Difficulty meeting payroll or supplier invoices on time
• Growth opportunities blocked by lack of capital
• Seasonal revenue dips that create gaps in working capital
• Long invoice payment cycles (e.g., 60–120 days)

Benefits of acting quickly

Securing the right cashflow facility can prevent late-payment penalties, protect supplier relationships, enable early-bird purchasing discounts and allow you to take growth opportunities without disrupting operations.

When to consider alternatives

If the underlying business is consistently unprofitable, or your debt levels are unsustainable, refinancing, restructuring or operational changes may be more appropriate than short-term lending. Our partners can help you weigh options.

Why use Fast Business Loans to source cashflow finance?

We make funding simple and fast:

• Speed: quick enquiry and fast matching with lenders/brokers.
• Relevance: we match you to providers that understand your sector and funding need.
• No obligation: using our service is free and doesn’t commit you to proceed.
• Privacy: your details are only shared with partners relevant to your request.

Ready to see who can help? Start Your Free Eligibility Check

Cashflow funding for key UK sectors

Different lenders specialise in different industries. We can introduce you to partners experienced in:

Construction

Typical needs: bridging payments between contractors, materials purchase, retention funding.

Hospitality & retail

Typical needs: seasonal stock purchase, refurbishments, cashflow through busy periods.

Manufacturing & engineering

Typical needs: raw material purchases, equipment lead times, invoice financing.

Professional services & healthcare

Typical needs: smoothing cashflow between client payments and payroll.

If you operate in any of these areas we’ll connect you to lenders who understand the trade. Get a Free Quote

Eligibility snapshot & what lenders often ask for

While criteria vary, lenders and brokers commonly request:

• Basic business details (company name, registered number, address)
• Trading history and time in business
• Annual turnover and recent bank statements
• Details of existing finance or security
• Purpose and amount of the funding (cashflow loans typically start at around £10,000)

Submitting our enquiry is a soft, non-credit-impact process used for matching. Lenders may perform formal credit checks later if you apply directly for finance.

How our cashflow loan matching process works

1. Quick enquiry: you tell us a few details about your business and funding need (takes under 2 minutes).
2. Match: we identify brokers and lenders best suited to your sector and requirement.
3. Response: selected partners contact you with questions and indicative options.
4. Decide: compare offers, complete lender applications if you choose to proceed.

Start with a Free Eligibility Check — Get Matched Now

Responsible introductions & transparency commitment

Fast Business Loans is an introducer, not a lender. We do not provide regulated financial advice. Our role is to provide clear introductions so you can speak directly with finance professionals who can present suitable options.

We are committed to clear, fair and not misleading communications. Your enquiry is handled securely and only shared with relevant partners. There is no charge to you for our introduction service.

Ready to improve your cash flow?

If your business needs working capital, don’t lose time. Complete a short enquiry form and we’ll match you to lenders and brokers who can help — usually within hours. There’s no obligation, it won’t affect your credit score, and the service is free.

Free Eligibility Check — Get Started

For more detailed product information see our dedicated cashflow loans resource: cashflow loans.

FAQs: Cashflow loans via Fast Business Loans

Is Fast Business Loans a direct lender?

No. We introduce your business to lenders and brokers who provide finance. Any contract for lending is between you and the lender you choose.

Will my enquiry affect my credit score?

No. Submitting our enquiry is a soft, non-credit-impact step. Lenders may perform formal checks later if you proceed with an application.

How quickly could I receive funding?

Timescales vary by product and lender. Some providers can make funds available within 24–72 hours once documentation and checks are complete; others may take longer. Your matched broker will advise expected timelines.

What loan amounts and terms are available through your panel?

Our partners arrange facilities from around £10,000 upwards. Terms range from short-term (months) to multi-year facilities depending on the product and lender criteria.

Can businesses with adverse credit enquire?

Yes. Because we work with a wide panel, there may be specialist lenders or broker solutions for businesses with credit issues. Complete an enquiry to see what might be available.

Do you charge fees for introductions?

No. There is no fee to use Fast Business Loans. Lenders or brokers may charge fees as part of their agreements — your matched provider will explain any charges before you enter into a contract.