Cashflow Loans: Match with the Right UK Lenders in Minutes

Summary: If your limited company needs working capital, Fast Business Loans helps you find suitable cashflow finance from accredited brokers and lenders quickly. We don’t lend — we match your business to the right providers so you can compare quotes from £10,000 upwards. Complete a short, no‑obligation enquiry (no effect on credit score) to get personalised introductions. Free Eligibility Check

What is a cashflow loan and how does it work?

A cashflow loan is short‑to‑medium term funding to cover timing gaps between income and outgoings — for example late customer payments, seasonal stock build, payroll or a one‑off contract cost. It’s designed to keep the business operating smoothly until trading receipts catch up.

Typical structures

• Unsecured or secured term loans (fixed repayment schedule).
• Revolving credit facilities (access funds as needed up to a limit).
• Merchant cash advances (repayments linked to card takings).
• Invoice finance / invoice discounting (advance against unpaid invoices).

Cashflow Loan Snapshot

Why cashflow matters for UK SMEs

Cashflow is the lifeblood of a company. Poor cashflow can stop payroll, delay supplier payments and prevent growth. Here’s why fast access to working capital matters:

• Late payments are common — many SMEs face weeks of unpaid invoices.
• Seasonal peaks require stock or staff investment in advance.
• Unexpected one-off costs (equipment repair, contract milestones) need bridging.

Here’s what cashflow finance typically solves: payroll gaps, supplier deposits, stock purchase, pre‑invoice costs and short-term project funding.

How Fast Business Loans helps you secure cashflow finance

Here’s how our matching service speeds up your funding journey.

1. Quick Enquiry: You tell us basic details — company name, turnover band, funding amount and purpose. It takes under 2 minutes. Get Quote Now.
2. Smart Matching: We select brokers and lenders from our panel who specialise in your sector and funding type.
3. Rapid Response: Partners contact you with questions and indicative quotes — typically within hours during business days.
4. Compare & Decide: Review options, compare costs and choose a partner to proceed with a full application if you wish.

Here’s why it’s faster through us: we filter providers for fit, reducing wasted calls and improving your chance of a suitable quote quickly.

Free Eligibility Check

Types of cashflow support we can introduce

Depending on your needs and profile, our partners can offer:

Unsecured business loans

Short-term loans without asset security. Pros: faster to arrange, no property charge. Cons: higher rates; lower max amounts. Ideal for smaller working capital needs from £10k.

Revolving credit facilities

Access funds repeatedly up to an agreed limit. Pros: flexible cash management. Cons: typically requires stronger credit profile and ongoing fees.

Merchant cash advances

Advance based on future card sales. Pros: quick access and repayments scale with sales. Cons: can be expensive over time; best for businesses with steady card turnover.

Invoice finance & invoice discounting

Unlock the cash tied up in unpaid invoices. Pros: immediate liquidity tied to sales. Cons: fees and administration; some clients prefer confidentiality concerns. Explore options like invoice factoring and discounting on our product pages, including specialist cashflow loans.

Short-term bridging loans

Temporary funding to bridge receipts. Pros: rapid deployment. Cons: higher fees and short terms — used for tight, time-limited needs.

Sector-specific cashflow solutions

Different sectors face different cashflow cycles. Our panel covers:

• Construction: staged payments, retentions and supplier deposits.
• Retail & e‑commerce: seasonal stock and marketing investment.
• Hospitality & leisure: refurbishment, staffing for peak seasons.
• Manufacturing & logistics: Supply chain working capital and raw material purchase.
• Healthcare & clinics: equipment purchase and payroll timing.

Tell us your sector when you enquire — we’ll match you with partners who understand the specifics of your trade. Free Eligibility Check

Eligibility checklist & what lenders typically ask for

Most lenders and brokers look for:

• Limited company trading history (often 12+ months for many products).
• Annual turnover and profitability indicators.
• Bank statements (typically last 3–6 months).
• Information on directors and any adverse credit history.
• Purpose of funding and desired loan size (we handle £10k+).

Required information to start your enquiry

• Company name, registration number and contact details.
• Funding amount required and intended use.
• Recent turnover band and trading length.
• Preferred repayment term and any available security.

Fast Business Loans does not perform hard credit searches when you submit an initial enquiry — partners may carry out checks only if you proceed with a lender.

How much could a cashflow loan cost?

Costs depend on product type, term, security and risk profile. Typical APR ranges (illustrative): unsecured business loans 8%–40% APR; merchant cash advances effective APRs can be higher; invoice finance fees commonly 0.5%–3% per month. Exact rates vary widely.

Figures are illustrative. For a personalised cost breakdown, request a quote and a broker will supply tailored examples for your circumstances.

Benefits of using Fast Business Loans vs. going direct

• Time saved: one short form connects you to multiple appropriate partners.
• Better fit: we match by sector and product expertise.
• Choice: compare competing solutions rather than relying on one lender’s offer.
• No additional cost to you — our service is free; we earn commission from partners only after a completed transaction.

Want to compare quickly? Get Quote Now

Responsible funding & transparency

We act as an introducer — not a lender and not a source of regulated financial advice. We aim to be clear, fair and not misleading in all communications. Always check affordability and suitability with the broker or lender you choose, and seek independent advice if required.

Frequently asked questions

How quickly can funds be released after approval?

Speed varies: some partners can release funds within 24–72 hours for straightforward cases; others require longer due to documentation and security checks. Fast Business Loans helps you find the quickest suitable option.

Will my enquiry impact our credit file?

No — submitting an initial enquiry via Fast Business Loans does not impact your credit file. Lenders may perform credit checks only later if you decide to proceed with an application.

Do you charge to match us with lenders?

No. Our matching service is free for business owners. We earn commission from partners only after a successful funding completion.

Can I apply if I’ve been declined elsewhere?

Yes. We work with a wide panel; a decline from one lender doesn’t always mean you’ll be declined by others. Submit your details to explore alternatives: Free Eligibility Check.

What paperwork should I prepare?

Recent bank statements, company accounts or management accounts, details of outstanding invoices (if relevant) and a brief note of the funding purpose will speed up partner responses.

Next steps — start your cashflow loan enquiry

1) Click the short enquiry link. 2) Enter a few business details (takes under 2 minutes). 3) We introduce the best-fitting brokers and lenders who will contact you with quotes. It’s free and obligation-free. Start Your Enquiry — Free Eligibility Check

Thousands of UK SMEs use our service to find working capital quickly and efficiently.

Important information & disclaimers

Fast Business Loans is an introducer — we do not lend and we do not provide regulated financial advice. All introductions are made to third‑party brokers and lenders; they make final lending decisions. Any figures shown are illustrative only. Ensure affordability before proceeding. Initial enquiries do not affect credit scores. We receive commission from partners only after a loan completes. For full terms and privacy information refer to our website.

– What is a cashflow loan and how does it work?
A cashflow loan is short-to-medium term working capital that bridges timing gaps between income and outgoings, delivered via options like unsecured loans, revolving credit, invoice finance or merchant cash advances.

– How fast can my UK business get funding?
Depending on the product and documentation, matched partners can often release funds within 24–72 hours after approval.

– Will submitting your enquiry affect my credit score?
No—Fast Business Loans’ initial enquiry is a soft, no‑obligation check with no impact on your credit score; lenders may run checks only if you proceed.

– How much can I borrow for cash flow finance in the UK?
Our partners typically consider cashflow loans from £10,000 up to £5,000,000+ depending on your business profile and product type.

– What are typical costs for cashflow loans?
Illustratively, unsecured business loans range around 8%–40% APR, invoice finance c.0.5%–3% per month, and merchant cash advances can be higher, with exact pricing tailored to risk.

– What documents will lenders usually ask for?
Expect recent bank statements (3–6 months), accounts or management figures, details of directors and any adverse credit, plus the funding amount and purpose.

– Do I need security for a cashflow loan?
Some solutions are unsecured, while others may require a debenture or charge over assets depending on the facility and risk.

– Can you help if I’ve been declined elsewhere?
Yes—because we match you to a broad panel of UK brokers and lenders, you may still find suitable business cash flow funding after a previous decline.

– Which sectors can you support?
We match UK SMEs across sectors such as construction, retail/e‑commerce, hospitality, manufacturing/logistics, and healthcare, with sector‑specific cashflow solutions.

– How do I start and what does it cost?
Complete a quick online enquiry (not an application) to get matched with suitable lenders/brokers, and our service is free with no obligation to proceed.