Cashflow Loans for UK Businesses: Compare Partners with Fast Business Loans
Summary: Fast Business Loans connects UK limited companies and SMEs with specialist lenders and brokers who provide cashflow loans and working capital finance from around £10,000 upwards. Complete a short, no-obligation enquiry (not an application) and we’ll match your business to the best partners for your circumstances — fast. Get a Free Eligibility Check to see your options: Get Started: Free Eligibility Check
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Fast Business Loans is an introducer service. We are not a lender and do not offer financial advice. Your enquiry is information used to match you to lenders/brokers; it is not a formal loan application.
Why cashflow loans matter for UK SMEs
Cashflow loans and working capital finance give businesses short-term liquidity to meet day-to-day costs while waiting for income to arrive. In the current climate — with supply chain delays, rising costs and seasonal demand swings — reliable access to working capital can be the difference between staying on course and missing payroll or supplier deadlines.
Common pressures that lead businesses to seek cashflow loans:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Late-paying customers or long invoice terms
- Seasonal peaks in stock, staff or marketing spend
- One-off unexpected repairs or emergency costs
- Growth opportunities that require upfront capital (stock, bulk buys)
If you want a quick check of options for working capital, start with a short enquiry: Free Eligibility Check.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans helps you secure the right cashflow finance
We don’t lend money. Instead, Fast Business Loans introduces your business to lenders and brokers who specialise in business cashflow finance. Our service is free to use and there’s no obligation to proceed — you only provide basic information so we can match you to the most suitable partners.
No-jargon, no-pressure process
We keep things simple: you tell us what you need, we select a small panel of vetted partners who commonly work with businesses like yours, and you receive contact and quotes directly from those partners. Completing our enquiry will not affect your credit score.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Get Quote Now — it takes under two minutes to complete the form.
Cashflow loan options available through our panel
Different businesses need different solutions. Below are common cashflow products our partners provide — we’ll match you to the right type based on your sector, size and needs.
| Loan type | Typical amounts & speed | Ideal use cases |
|---|---|---|
| Short-term unsecured cashflow loan | £10k–£500k; funds 24–72 hours after approval | Payroll, urgent supplier invoices, short-term gaps |
| Revolving credit facility | £25k–£1m; agreed limit in days | Ongoing working capital for variable monthly needs |
| Merchant cash advance | £10k–£250k; funds within 48–72 hours | Retail & hospitality with strong card takings; seasonal peaks |
| Secured cashflow loan | £150k–£5m+; 7–14 days | Larger financing against assets or property for big projects |
| Hybrid invoice + cashflow funding | Tailored; 3–7 days | Release money tied up in invoices and add a short-term buffer |
Often lenders combine solutions (for example invoice finance plus a short-term loan) to meet complex needs. Ready to compare options? Request Cashflow Loan Quote.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Learn more about invoice-related funding options on our main cashflow solutions page: cashflow loans.
Eligibility snapshot – who can apply?
Eligibility varies by lender. Below is a snapshot of what partners normally consider when assessing a cashflow enquiry.
Trading history & turnover
- Most lenders prefer established businesses (often 12 months+ trading), but some partners support younger companies with strong contracts or investor backing.
- Turnover thresholds depend on product; smaller loans are available from £10k.
Credit profile
- Good credit helps secure better rates, but there are specialist lenders for businesses with imperfect credit histories.
- Personal guarantees may be requested by some lenders for certain products.
Documentation
- Recent business bank statements, management accounts, and ID for directors are commonly required.
Submitting an enquiry does not guarantee approval; it simply helps us match you to the most appropriate partners. Get Started: Free Eligibility Check.
Step-by-step: from enquiry to funding
- Quick enquiry — fill in a short form with basic business details and the amount/type of finance you need (<2 minutes).
- Matching — we connect your details to a small selection of lenders/brokers who specialise in your sector.
- Contact & quotes — lenders or brokers contact you to request documents and present offers.
- Compare & decide — choose the option that best matches cost, term and business goals. Funds are released once the chosen lender completes checks and issues contracts.
We aim to speed up the process by only introducing you to partners who are likely to consider your enquiry. Start your free check.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Benefits of working with Fast Business Loans vs going direct
- Save time: one enquiry reaches multiple targeted partners.
- Sector expertise: we match you to lenders who understand your industry.
- Better comparison: receive multiple quote approaches without repeating the same form.
- No obligation: you’re free to decline any offers.
Note on costs: lenders set interest rates and fees. Fast Business Loans does not charge you for making an enquiry; our introducer relationships with partners may mean we receive commission if you proceed with a lender.
Cashflow challenges we commonly solve
Here are anonymised examples of problems we’ve helped match to solutions:
- Construction firm awaiting milestone payments — short-term unsecured loan to cover wages and materials until invoices clear.
- Seasonal retailer needing stock for peak — merchant cash advance structured around card receipts.
- Manufacturer with large supplier invoice — hybrid invoice & cashflow facility to release invoice value plus buffer.
- Hospitality chain fitting out a new site — secured cashflow facility linked to asset financing for equipment.
See if your scenario fits — Get Quote Now.
Preparing your enquiry – documents & tips
What lenders typically want to see:
- Recent business bank statements (3–6 months)
- Latest management accounts or tax returns
- Cashflow forecast or details of the invoices/contracts you need to bridge
- ID for directors and proof of address
How to strengthen your case
- Keep VAT filings and payroll records up to date.
- Show evidence of future contracts or purchase orders when possible.
- Be transparent about historic credit issues — many lenders can still help.
Quick checklist: Bank statements, management accounts, forecast, ID. Then start your enquiry.
Costs, interest rates & repayment terms — what to expect
Rates and fees vary widely by product, lender and business risk. Typical expectations:
- Term lengths: short-term loans often 3–12 months; other facilities can run 12–36 months or longer for secured facilities.
- Costs: interest (variable or fixed), arrangement fees, sometimes early repayment charges.
- Repayment method: regular monthly repayments, daily/weekly deductions (merchant cash advance), or drawing on a facility on demand.
Fast Business Loans does not set rates. We can help you compare offers so you can assess total cost and suitability. Request Cashflow Loan Quote.
Alternatives to cashflow loans (if they’re not right for you)
If a cashflow loan isn’t ideal, partners also offer:
- Invoice finance / factoring — unlock money from unpaid invoices
- Asset or equipment finance — spread the cost of machinery or vehicles
- Business overdraft or revolving facilities from banks
- Refinance or consolidation to improve monthly cashflow
- Equity or investor funding for longer-term growth
Want help choosing? Get Started: Free Eligibility Check.
Frequently asked questions
How quickly can my business receive cashflow funding?
Timing depends on the product and how quickly you provide documents. Some lenders can fund within 24–72 hours after approval; others take longer for detailed checks.
Will submitting an enquiry affect my credit score?
No. Completing our enquiry form does not affect your credit score. Lenders or brokers may perform credit searches only if you choose to proceed with an application.
What if my business has had a loan refused before?
A previous refusal doesn’t automatically disqualify you. We work with a wide panel, including specialists who consider applications other lenders decline. Be transparent about past issues to help us match you effectively.
Are personal guarantees usually required?
Some lenders request personal guarantees for higher-value or secured lending. Requirements vary — we’ll match you to partners who can explain options and any personal security implications.
Do you charge businesses to use this service?
No. Our enquiry service is free for businesses. We may receive commission from partners if you proceed, but you will always receive full details of any fees and charges from the lender.
What information will lenders ask for?
Common requests include business bank statements, management accounts, ID for directors and details of the invoices or contracts generating the cashflow gap.
Ready to improve your cashflow?
Complete a short, no-obligation enquiry and we’ll get to work matching your business to the right lenders and brokers. It’s quick, confidential and free.
Start Your Free Cashflow Loan Match →
Fast Business Loans is an introducer service. We are not a lender and do not offer financial advice. Your enquiry is not a loan application.
– How quickly can I get cashflow funding?
Many partners can release funds within 24–72 hours of approval, depending on the product and how fast you provide documents.
– How much can I borrow and over what term?
Cashflow facilities typically range from around £10,000 up to £5m+, with terms from 3–12 months for short-term loans and up to 36+ months for secured options.
– Will submitting an enquiry affect my credit score?
No—our enquiry is a no-obligation eligibility check and won’t affect your credit score; credit searches only occur if you choose to apply with a lender.
– Is the enquiry a loan application or commitment?
No, it’s not an application but information we use to match you with suitable UK lenders and brokers, with no obligation to proceed.
– Who is eligible for a cashflow loan via Fast Business Loans?
UK limited companies and SMEs are considered, with many lenders preferring 12+ months’ trading but options available for younger firms with strong contracts or backing.
– What types of cashflow finance can you match me with?
We connect you to unsecured and secured cashflow loans, revolving credit facilities, merchant cash advances, and invoice-linked funding.
– What documents will lenders usually ask for?
Expect 3–6 months of business bank statements, recent management accounts or tax returns, director ID and address, and details of invoices/contracts or a cashflow forecast.
– Do I need security or a personal guarantee?
Requirements vary by lender and product—some facilities are unsecured while larger amounts may require security and/or a director’s personal guarantee.
– Can you help if I’ve been declined elsewhere or have imperfect credit?
Yes, our panel includes specialist lenders who consider cases others reject, though pricing and terms may reflect risk.
– What will it cost and do you charge a fee?
Interest rates and lender fees vary by product and risk, while our matching service is free for businesses and we may receive commission only if you proceed.