Cashflow Loans for UK Businesses: Fast Decisions, Flexible Solutions

Summary: Cashflow loans give UK companies quick working capital to cover payroll, invoices, stock or unexpected costs. Fast Business Loans does not lend directly—we match your business with lenders and brokers who specialise in short‑term working capital. Complete our short enquiry and get a free eligibility check so we can connect you with the best provider for your situation. Get a Free Eligibility Check.

What is a cashflow loan — and when does it make sense?

A cashflow loan is short‑term working capital designed to plug timing gaps between cash going out and cash coming in. Typical uses include funding payroll, bridging unpaid invoices, buying stock for seasonal demand or covering emergency repairs. These products are usually designed for speed and convenience rather than long-term restructuring.

Cashflow loans are most appropriate when you need liquidity quickly and expect the business to generate or receive funds in the near term. They can be unsecured or secured, and amounts commonly start from around £10,000 upwards. Fast Business Loans is an introducer: we match your business to lenders and brokers who can supply cashflow finance—our free enquiry is not a loan application. Start a Free Eligibility Check.

For more details on specific working capital products and how they differ, see our dedicated guide to cashflow loans cashflow loans.

Why work with Fast Business Loans for cashflow finance?

Specialist panel, tailored to your sector

We work with a wide panel of UK lenders and brokers who specialise in SME finance across industries such as construction, hospitality, manufacturing, logistics and healthcare. Instead of applying to multiple lenders yourself, we match you with partners who understand your sector and lending criteria.

Transparent, no‑obligation introductions

Our service is free to business owners and entirely no obligation. Submitting an enquiry simply allows us to share your details with lenders/brokers who may be able to help. You decide whether to proceed with a quote.

Speed matters — our simple process

Here’s how it typically works:

• Complete a short enquiry (takes under 2 minutes).
• We match you with suitable lenders/brokers on our panel.
• A partner contacts you to discuss options and next steps.
• If you choose to proceed, the lender will assess supporting documents and, if approved, issue funds.

Get Matched Now — Free Eligibility Check

Cashflow loan scenarios we commonly support

Here are typical situations where businesses turn to cashflow loans, and how these loans help:

• Delayed customer payments: Cover immediate payroll or supplier bills while waiting for invoices to be settled. Lenders will usually ask for aged debtor reports and recent bank statements.
• Seasonal dips: Smooth seasonal fluctuations—finance seasonal stock or cover quieter months without cutting staff.
• Rapid growth: Fund fast expansion (stock purchase, new hires) while revenue catches up.
• One-off opportunities: Take advantage of supplier discounts or a valuable contract that requires upfront spend.
• Emergency repairs: Keep operations running after unexpected breakdowns or property repairs.

Late payments cost UK SMEs billions each year. A targeted cashflow loan can be a pragmatic short‑term solution while you resolve payment issues. Tell us your situation and we’ll match you with lenders who specialise in your industry.

Cashflow loan features and costs to expect

Typical funding ranges

Amounts vary by lender and borrower profile, but our panel typically arranges funding starting from around £10,000 up to several hundred thousand pounds. Terms are commonly short — often 3–24 months — where the focus is on rapid access to working capital.

Rates & fees

Costs depend on factors such as trading history, turnover, credit profile, sector risk and whether the loan is secured. Expect lenders to quote interest rates, arrangement or broker fees, and sometimes early‑repayment terms. We do not show guaranteed rates—those are set by lenders after assessment.

Secured vs unsecured

Remember: lenders make the credit decisions. Our role is to match you with those most likely to consider your case. Compare Options — Free Eligibility Check

Who cashflow lenders consider — and how to strengthen your application

Core eligibility factors

• Trading history and annual turnover
• Profitability or clear plan to return to profit
• Quality and age of outstanding invoices (if invoice-led)
• Directors’ credit history and any existing personal guarantees
• Sector and client concentration risk

Preparation tips — quick wins

• Have your latest 12 months’ bank statements and management accounts ready.
• Prepare an aged debtor report if the funding is to cover late invoices.
• Draft a short cashflow forecast showing how and when you’ll repay the loan.
• Be transparent about previous loan declines or CCJs—many lenders can still help when they understand the full picture.

Ready to proceed? Upload your details securely and we’ll begin matching you.

Cashflow loans vs alternative short‑term finance

Compare common options to see what suits your need:

• Invoice finance: Unlock cash tied to unpaid invoices. Good for businesses with many invoices; often more flexible than a straight loan.
• Revolving credit facility: Overdraft-style access to draw funds when needed; suitable for ongoing working capital needs.
• Merchant cash advance: Quick but typically expensive; repayments are linked to card sales—useful for retail with high card volumes.
• Asset finance: Use equipment or vehicles to raise capital while spreading the cost.

Each option has trade-offs in cost, speed and suitability—we can help you explore the best fit from our panel. Speak to a cashflow specialist.

Step‑by‑step: from enquiry to funds

1. Quick enquiry: Complete a short online form (under 2 minutes). This initial step is a soft match and does not affect your credit score. Start your enquiry.
2. Match & introduction: We connect your details with lenders/brokers suited to your sector and loan size.
3. Consultation & documentation: A lender or broker will contact you, request documents and agree terms.
4. Decision & funding: Once approved, funding timelines vary — some partners can release cash within 24–72 hours if documentation is in order.

Expectation setting: approvals are subject to lender assessment and documentation. We make introductions to speed the process, but final decisions rest with lenders.

Success story snapshots

Here are anonymised examples of how cashflow loans have helped clients (illustrative):

• Retailer — £75,000 bridging stock purchase: Funded in 4 days to meet a supplier discount window; increased seasonal margin.
• Small manufacturer — £35,000 invoice gap: Short-term loan cleared payroll while overdue invoices were collected, avoiding staff disruption.

Want results like these? See what’s possible for your business.

Why Fast Business Loans is a trustworthy choice

• We act as a clear, transparent introducer—never a lender or financial adviser.
• Your data is handled securely and only shared with lenders/brokers who can help your request.
• Our matching focuses on sector expertise and improving your chance of a helpful response.

Free Eligibility Check

Frequently asked questions about cashflow loans

Have another question? Start your enquiry

Ready to stabilise your cash flow?

If you need working capital quickly, don’t wait until a cash gap becomes a crisis. Complete our short enquiry and we’ll match you to lenders and brokers who can provide tailored quotes — free and without obligation. Get Quote Now — Free Eligibility Check.

– What is a cashflow loan and when should I use one?
A cashflow loan is short-term working capital to bridge timing gaps in cash in/out, typically used for payroll, unpaid invoices, stock purchases or emergency repairs.

– How quickly can I get a cashflow loan?
Some panel lenders can fund within 24–72 hours once required documents are supplied and approved.

– Will completing your enquiry affect my credit score?
No—the free eligibility check is a soft match and not a loan application, with credit checks only carried out by a lender if you choose to proceed.

– Is Fast Business Loans a lender?
No—we’re an introducer that matches UK businesses with trusted lenders and brokers for cashflow finance.

– How much can I borrow and for how long?
Typical cashflow loans start around £10,000 and can reach several hundred thousand with terms commonly between 3 and 24 months, subject to lender assessment.

– What are the costs, rates and fees?
Pricing depends on factors like turnover, trading history, credit and security, and may include interest plus arrangement or broker fees set by the lender.

– What documents will lenders ask for?
Expect recent bank statements, management accounts, an aged debtor report if relevant, proof of ID and details of any security or guarantees.

– Can start-ups or businesses with weak credit apply?
Yes—some lenders consider young or previously declined businesses, especially with forecasts, director guarantees or collateral.

– Do you offer unsecured and secured cashflow loans?
Both are available via our partners, with unsecured options typically faster but smaller and secured options enabling larger amounts at potentially lower rates.

– How does the process work and is there any obligation?
You complete a 2‑minute enquiry, we match you with suitable lenders/brokers who discuss options and documents, and you decide whether to proceed—there’s no cost or obligation.