Cashflow Loans for UK Businesses — Fast Business Loans

Summary: Cashflow loans provide short-term working capital to bridge gaps between invoices, payroll, supplier payments and unexpected expenses. Fast Business Loans connects UK limited companies and SMEs with lenders and brokers who specialise in working capital — from unsecured working capital loans to revolving facilities and short-term bridging — for amounts from £10,000 upwards. Submitting an enquiry is quick, free and carries no credit footprint; it’s not a loan application but information we use to match you with the best providers. Get Started or Free Eligibility Check.

What is a cashflow loan?

A cashflow loan (also called working capital finance) is short-term funding designed to keep your day-to-day operations running smoothly. Unlike long-term development finance, these products bridge timing gaps — for example, when you’re waiting for invoices to be paid but must meet payroll, supplier invoices or seasonal stock costs. Typical features include quicker decisions, flexible terms and a focus on immediate liquidity rather than long-term investment.

Cashflow solutions differ from overdrafts and invoice finance. Overdrafts are bank products tied to an account; invoice finance unlocks funds against specific invoices. Cashflow loans from specialist lenders can be unsecured or secured, fixed-term or revolving — each is suited to different business situations. Fast Business Loans is an introducer, not a lender: we match your business with brokers and lenders who specialise in these solutions. Get Quote Now.

When UK businesses need cashflow finance

Seasonal peaks & payroll commitments

Many businesses face predictable seasonal slow periods or busy seasons that strain cashflow. A short-term working capital facility helps cover wages and temporary operating costs without disrupting service or staff retention.

Supplier payments & supply chain delays

Payment terms from customers can stretch to 60–120 days while suppliers demand shorter terms. Cashflow loans fill that gap so you can keep suppliers happy, access early payment discounts or avoid costly service disruption.

Investing in growth while maintaining liquidity

If you plan to take on a project, tender or a one-off growth opportunity, cashflow finance lets you commit resources now while spreading the cost over a short period.

Check Eligibility in 2 Minutes

How Fast Business Loans helps you secure the right cashflow loan

Our role is simple: you tell us what your business needs and we introduce you to the right lenders or brokers. We do the matching so you don’t have to research dozens of providers.

• Quick enquiry: Complete a short form with basic business details and the amount you need (from £10,000 upwards).
• Smart match: We compare your requirements with our panel of specialist brokers and lenders experienced in working capital solutions for UK sectors.
• Rapid response: You’ll usually get a call or email quickly to discuss potential options — remember, this is not a credit application and leaves no credit footprint.
• Choose & compare: Brokers/lenders provide tailored quotes and terms so you can compare and decide.

We handle your details securely and only share them with partners that can help. Our service is free and entirely no-obligation. Get Quote Now

Cashflow loan options on our panel

Below are typical cashflow products you’ll see via our partners. Amounts usually start at around £10,000 and can go up to several million depending on lender and circumstances.

For sector-specific options such as invoice finance or asset-based lending, our panel can connect you with specialists. If you’re exploring invoice-based options, see our pillar guide on cashflow loans for more context. Talk to a Specialist

Eligibility snapshot

• Business type: UK limited companies and incorporated SMEs (we do not arrange sole trader or professional practice lending).
• Trading history: many lenders expect at least 12 months’ trading; some specialist lenders support newer businesses.
• Turnover: requirements vary by lender — from modest revenues to multi-million turnover businesses.
• Credit profile: panels include lenders who accept adverse credit histories in many cases; terms reflect risk.
• Typical documents: recent management accounts, business bank statements, VAT returns and ID for directors.

Actual eligibility differs by lender; the enquiry helps us match you to the right partner. Free Eligibility Check

How much could a cashflow loan cost?

Costs depend on product, term, security and credit quality. Pricing elements may include interest rate (fixed or variable), arrangement fees, facility fees and early repayment charges.

Factors that affect cost

• Credit history and repayment track record
• Loan amount and term
• Whether the loan is secured or unsecured
• Industry risk and seasonality

Illustrative example — for guidance only

Example only — not a quotation:

• Unsecured working capital loan: £50,000 over 12 months
• Representative APR could range widely (e.g., 12%–40%+ depending on risk and lender)
• Arrangement fee: one-off 1–4% (charged up front or deducted from funds)

Always compare full terms, fees and total cost of credit before committing. Compare Cashflow Loan Options

Fast Business Loans vs. going direct

• Speed: We reduce time spent hunting multiple providers by matching you to those most likely to help.
• Choice: Access to a panel of specialist brokers and lenders versus a single direct lender.
• Sector expertise: Partners who understand construction, hospitality, retail, manufacturing and other specialist sectors.
• Less admin: One short enquiry shares the right information to multiple partners.

Submitting an enquiry is free, quick and non-binding. Get Started

Frequently asked questions about cashflow loans

How quickly can funding be arranged?

Decision times vary by product and provider. Many specialist lenders or brokers can provide an indicative decision within 24–72 hours once all required documents are received. Some short-term facilities can be arranged within a few days. Submitting an enquiry helps speed up matching. Get Quote Now

Do I need to provide security or a personal guarantee?

Some products are unsecured, but larger or lower‑risk profiles may require security (e.g., business assets or property) or a personal guarantee. Requirements vary by lender — we’ll match you to partners whose terms suit your situation.

Will enquiring affect my credit score?

Submitting an enquiry through Fast Business Loans does not affect your credit score. Lenders may run credit checks only if you decide to proceed with an application.

What industries do your partners support?

Our panel serves a wide range of UK industries including construction, hospitality, manufacturing, logistics, retail and professional services (excluding sole traders and some regulated professions). If your sector is specialist, tell us in your enquiry so we match you to the right experts.

Can I apply if I’ve been declined elsewhere?

Yes. Because our panel includes lenders and brokers with different risk appetites, you may still be eligible. Provide full details of previous refusals so partners can look for suitable alternatives.

How do repayments work?

Repayments depend on product — fixed monthly repayments, revenue-linked collections (for merchant advances), or flexible draw-and-repay cycles for revolving lines. Always check the repayment schedule and total cost before accepting an offer.

Are cashflow loans suitable for start-ups?

Some specialist lenders support early-stage companies; however, many require trading history. If you’re a newer company, our matchmaking will prioritise lenders experienced in start-up or early growth finance. Free Eligibility Check

Next steps

1. Click “Get Started” and complete the short enquiry — it takes under 2 minutes.
2. We match your details to lenders/brokers best placed to help.
3. A partner will contact you with tailored options — compare and choose with no obligation.

Submitting an enquiry does not commit you to any product and leaves no credit footprint. Get Started or Speak to a Broker.

Ready to explore options? Complete our short enquiry now — it takes under two minutes and will connect you to lenders and brokers who can help. Get Started — Free Eligibility Check

1) What is a cashflow loan and what can it be used for?
A cashflow loan (working capital finance) is short-term funding to bridge gaps between invoices, payroll, supplier payments, stock purchases or unexpected expenses.

2) How quickly can I get a decision and funding?
Many specialist lenders provide an indicative decision within 24–72 hours once documents are received, with funds available in a few days depending on the product.

3) How much can I borrow and for how long?
Our partners typically offer from around £10,000 up to several million with terms from a few weeks to 36 months, or ongoing access for revolving facilities.

4) Who is eligible for a cashflow loan through Fast Business Loans?
UK limited companies and incorporated SMEs across many sectors may qualify—often with 12+ months’ trading—while we don’t arrange lending for sole traders.

5) Do I need security or a personal guarantee?
Some facilities are unsecured, but larger limits or higher-risk cases may require security over assets or a director’s personal guarantee, depending on the lender.

6) Will submitting an enquiry affect my credit score?
No—our enquiry is not a loan application and leaves no credit footprint; checks occur only if you choose to proceed with a lender.

7) What types of cashflow finance can you introduce me to?
We match businesses with unsecured working capital loans, revolving credit facilities, merchant cash advances/receivables-backed funding, bridging finance, and invoice or asset-based options.

8) How much does a cashflow loan cost?
Pricing varies by risk, term and security, typically including interest plus fees, with representative APRs that can range widely (e.g., roughly 12%–40%+ for unsecured working capital).

9) Can you help start-ups or companies with adverse credit or previous declines?
Yes—some specialist partners consider early-stage firms and adverse credit, and our wide panel means you may still qualify even after a decline elsewhere.

10) Are you a lender and does it cost to use your service?
Fast Business Loans is an introducer, not a lender, and our matching service is free and no-obligation.