Cashflow Loans for UK Businesses — Fast, Trusted Matching

Summary: If your limited company needs working capital from about £10,000 upwards, Fast Business Loans connects you—quickly and without obligation—to brokers and lenders who specialise in cashflow finance. Complete a short enquiry and receive tailored options from partners who understand your sector. Your enquiry is not an application; it simply helps us match you to the most suitable providers.

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Why cashflow matters right now

Cashflow is the lifeblood of any trading business. Delays from customers, seasonal demand swings, stock purchases and unexpected bills can quickly create gaps between money in and money out. That’s where short-term working capital — commonly known as cashflow finance — can keep payroll, suppliers and growth plans on track.

Fast Business Loans doesn’t lend money. Instead, we rapidly connect you with brokers and lenders who specialise in working capital so you can get solutions faster and with less wasted time. Complete a short enquiry to start a no-obligation match: Get Quote Now.

What is a cashflow loan?

A cashflow loan is short- to medium-term finance designed to bridge timing differences between income and expenses. Use it to pay suppliers, meet payroll, buy stock for seasonal demand or cover a short-term gap while invoices are settled.

How cashflow loans differ from other products

• Overdrafts are typically bank facilities linked to an account; cashflow loans are fixed-sum advances structured for a purpose and term.
• Invoice finance uses unpaid invoices as collateral; some cashflow loans are unsecured or use different security.
• Asset finance funds equipment specifically; cashflow loans focus on working capital needs.

Typical features

• Terms from weeks to a few years depending on product.
• Amounts commonly start at £10,000 and can range much higher.
• May be unsecured, require a business charge, or ask for personal guarantees depending on lender and size.
• Speed: some options deliver funds in days once approved.

Who Fast Business Loans helps

We match limited companies and established SMEs across many sectors with brokers and lenders that suit their needs. Our partners have experience with:

• Construction and trades
• Retail and e-commerce
• Hospitality, hotels and catering
• Manufacturing, engineering and logistics
• Agriculture and food production
• Healthcare, care homes and clinics
• Sustainability projects (e.g. energy efficiency upgrades)

If you need working capital from around £10K upwards, we’ll look for lenders who understand your industry and funding purpose. For more detail on one common type of support, see our pillar guide to cashflow loans.

Why use expert matching instead of searching yourself

Searching dozens of lenders takes time and risks mismatching your needs with an unsuitable product. Our matching approach helps you:

• Save time by receiving relevant partner contacts quickly.
• Improve approval chances by matching to lenders experienced in your sector.
• Compare multiple offers without repeating long forms.
• Keep your enquiry private and non-binding — it’s not an application.

“We were facing a short-term supplier bill and had limited time. Fast Business Loans matched us to a broker who arranged funding within 72 hours — lifesaving.” — Construction business, Midlands

Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote

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Cashflow loan options we can help you explore

Different cashflow products suit different situations. Below is a quick guide to common types; your matched broker will advise which is most appropriate.

Not every product suits every business. Our enquiry helps identify the right category for you. Start with a quick request: Get Started — Free Eligibility Check.

Eligibility snapshot & typical criteria

Criteria vary by lender and product, but common requirements include:

• Minimum loan amount usually from £10,000 upwards.
• Trading history — many lenders prefer at least 6–12 months of trading for unsecured products (varies by product).
• Turnover and cashflow figures to show ability to repay.
• Recent business bank statements and management accounts.
• Credit history — some lenders accept limited credit problems; others prefer clean records.

If standard criteria aren’t met, alternative options such as asset-backed finance or specialist brokers could still help. Our matching process looks across the panel to find the best fit.

The Fast Business Loans process

We keep things simple and transparent. Typical journey:

1. Enquiry (less than 2 minutes): You enter a few business details. This is not an application — it simply helps us match you.
2. Match: We forward your details to selected brokers and lenders best suited to your sector and need.
3. Response: Partner brokers contact you with eligibility feedback and quotes.
4. Decide: Compare quotes and choose the offer you want to progress with the lender or broker directly.

We only share your details with relevant partners and the data is used to match your business. Submitting an enquiry does not affect your business credit score. Ready to be matched? Free Eligibility Check.

Costs, rates & repayment considerations

Costs depend on product type, term, loan size and risk. Typical ranges (illustrative only):

• Short-term bridging or merchant cash advances: higher cost, often reflecting speed and risk.
• Unsecured loans: variable APR depending on credit profile and term.
• Revolving facilities: arrangement fees and interest on drawn balances.

Always compare APRs, arrangement fees, early repayment terms and total cost. Brokers in our network provide tailored quotes — use our enquiry to receive realistic offers you can compare. Responsible borrowing is essential: ensure repayments fit your cashflow plan.

Responsible borrowing & compliance assurances

Fast Business Loans is an introducer, not a lender or financial adviser. We aim to provide clear, fair and non-misleading information so you can make an informed choice. All finance is subject to status, credit and affordability checks by the lender. We recommend seeking independent advice if you’re unsure about suitability.

Your privacy matters: we only share your data with selected partners relevant to your request and store data securely in line with our privacy policy.

Cashflow loan success scenarios

Construction firm smoothing supplier payments

A regional contractor with £25k tied-up in late invoices used an unsecured working capital loan to meet materials costs. Funding arrived within 5 working days, preventing project delays.

E‑commerce retailer preparing for peak season

An online retailer borrowed to buy extra stock ahead of Christmas. A short-term revolving facility enabled repeated draws and repayments across the season.

Hospitality business covering a slow season

A pub used a merchant cash advance linked to card takings to cover lower winter turnover and kept staff on while trading recovered.

Checklist: preparing for your enquiry

To speed matching, have the following ready:

• Business name and registration number
• Time trading and turnover band
• Amount required (from £10,000 upwards) and intended use
• Recent business bank statements (usually last 3 months)
• Contact details for the director(s)

Completing the short enquiry takes under 2 minutes and helps our partners prepare accurate quotes. Get Quote Now.

FAQs

How quickly can I hear back after I submit an enquiry?

Most businesses receive contact from a broker or lender within a few hours during business hours; sometimes responses come within minutes. Exact timing depends on partner availability and the complexity of your request.

Does submitting an enquiry affect my business credit score?

No. Submitting your enquiry through Fast Business Loans does not itself affect your credit score. Lenders may perform credit checks later if you progress an application.

How much can I borrow for cashflow purposes?

Our partners arrange working capital from around £10,000 upwards. Some lenders can support six-figure requirements depending on business size, security and affordability.

Do you charge a fee for matching me with lenders?

Fast Business Loans does not charge business owners to submit an enquiry. Our service is free to use and non-binding.

What if I’ve been refused by my bank?

A bank refusal doesn’t always mean no other options exist. Our panel includes specialist lenders and brokers who consider a wider set of factors and may offer alternatives.

Will partners ask for security or guarantees?

Some lenders may request a business charge, directors’ guarantees or other security depending on the product and size of the loan. Your matched broker will explain any likely requirements before you proceed.

Ready to explore cashflow options?

Fast Business Loans helps you find appropriate lenders and brokers quickly — free and with no obligation. Complete a short enquiry and we’ll match you to partners who can provide tailored quotes.

Start Your Free Eligibility Check

Fast Business Loans is an introducer, not a lender. All finance is subject to status, credit and affordability checks by lenders. Submitting an enquiry does not guarantee an offer. Information accurate at time of publication.

1) What is a cashflow loan?
A cashflow loan is short- to medium-term working capital finance that bridges gaps between income and expenses to cover things like payroll, suppliers, or stock.

2) Are you a lender or financial adviser?
No—Fast Business Loans is an introducer, not a lender or financial adviser, connecting UK businesses with trusted brokers and lenders.

3) Is my enquiry an application and will it affect my credit score?
No—your enquiry is a free, no‑obligation matching request that doesn’t affect your credit score; lenders may run checks only if you choose to proceed.

4) How quickly can I get matched and funded?
Most businesses hear from a broker or lender within hours during business hours, with some cashflow products funding in a few days once approved.

5) How much can I borrow for cashflow purposes?
Our partners typically arrange funding from around £10,000 upwards, with six‑figure facilities available subject to affordability and security.

6) What types of cashflow finance can you match me with?
We can match you with unsecured working capital loans, revolving credit facilities, short‑term bridging, and merchant cash advances tailored to your needs.

7) What are the typical eligibility criteria?
Lenders usually consider time trading (often 6–12 months), turnover and cashflow, recent bank statements and management accounts, credit history, and affordability.

8) Will I need security or a personal guarantee?
Depending on the product and loan size, some lenders may require a business charge or director’s personal guarantee, while others offer unsecured options.

9) What do cashflow loans cost?
Costs vary by product, term, loan size and risk, so compare APRs, fees and early‑repayment terms, and use our matching service to get tailored quotes.

10) Can you help if I’ve been declined by my bank?
Yes—our panel includes specialist brokers and lenders who consider wider factors and may still provide suitable alternatives.