Cashflow Loans for UK Businesses: Fast, Fair Introductions to Trusted Lenders

Summary: If your business needs fast working capital, Fast Business Loans can match you—quickly and without obligation—to lenders and brokers who specialise in cashflow finance. We don’t lend or provide regulated financial advice; we introduce your business to providers who may be able to offer unsecured loans, invoice finance, revolving facilities, merchant cash advances or secured short-term funding from around £10,000 upwards. Complete a short enquiry and get a free eligibility check so lenders can contact you with tailored options. Start your Free Eligibility Check now: Get Quote Now.

Why cashflow loans matter

Running a business often means balancing invoices, payroll, stock and unexpected costs. A cashflow loan is targeted working capital to bridge timing gaps or meet short-term demands. Whether you need to cover late-paying customers, purchase seasonal stock, cover VAT/PAYE, or deal with urgent repairs, a suitable cashflow facility can keep operations running smoothly without long-term restructuring.

Fast Business Loans does not offer loans directly. Our role is to match your company to lenders and brokers who specialise in the type of short-term funding you need. Use our free enquiry to receive matched offers and expert contact from providers who understand your sector: Start My Free Eligibility Check.

How our cashflow loan matching works

We make the process simple and fast so you can focus on running the business.

Step 1 — Share basic business details

Complete a short online enquiry (usually under 2 minutes). The enquiry is not an application and will not affect your credit score. We use this information only to match you to appropriate lenders/brokers.

Step 2 — We select suitable partners

We hand-select lenders and brokers from our panel based on sector experience, typical deal sizes and product suitability. We prioritise providers who respond quickly and have a track record with businesses like yours.

Step 3 — Receive rapid responses

Matched lenders/brokers typically contact you by phone or email to confirm details and may request documents. They only carry out any credit checks with your explicit consent.

Step 4 — Compare and choose

Review offers and choose the option that meets your cashflow needs. There’s no obligation to accept any offer—we simply make the introductions so you can compare.

Ready to be matched? Click here to Get Quote Now.

What we look at when matching you

To match you quickly and accurately we build a snapshot of your business position. Typical criteria include:

• Financial snapshot: annual turnover, recent months’ revenue, profitability and cashflow trends.
• Trading history: how long the company has been trading and director background.
• Sector & purpose: the lender’s appetite often depends on what the funds are for (e.g., stock, payroll, VAT).
• Security & collateral: whether the lender needs assets secured or can offer unsecured sums.
• Credit profile: previous credit history and any CCJs—some lenders specialise in cases others decline.

We will never pass your details to partners not relevant to your ask. Completing the enquiry does not trigger a credit search; lenders may only request a credit check later, with your consent. Check if you qualify in minutes: Free Eligibility Check.

Cashflow loan types we can introduce

Different businesses need different structures. Below are common cashflow finance solutions our partners can provide introductions for:

Unsecured business loans

Quick to arrange, no asset required, suitable for short-term working capital. Typical amounts start at around £10,000 and terms vary from months to a few years. Rates depend on credit profile and lender.

Revolving credit facilities

A flexible credit line you draw from as needed; interest is usually charged only on the amount used. Great for businesses with ongoing variable cashflow needs.

Merchant cash advance (MCA)

Repayments are linked to your card sales, so repayments scale with income. Useful for retail, hospitality and other card-heavy sectors, but costs can be higher than traditional loans.

Invoice finance (factoring or discounting)

Unlock cash tied up in unpaid invoices. Factoring typically includes collection services; discounting keeps collections with you but the lender advances against invoices.

Short-term secured loans

Lower rates may be available when loans are secured against assets (property, plant, or stock). These can take longer to arrange but may suit larger short-term needs.

To explore which structure is best for your situation, complete our quick enquiry and we’ll match you with providers who specialise in your preferred product. For more background about cashflow lending, see our detailed guide to cashflow loans.

Benefits & common uses

• Bridge gaps between invoicing and payment.
• Fund seasonal stock purchases and peak labour costs.
• Cover one-off costs such as VAT, PAYE or emergency repairs.
• Protect payroll and supplier relationships during short-term downturns.

Case vignette: A local hospitality group used an unsecured short-term loan to cover seasonal staffing costs and pre-order stock for a busy quarter—matched through our panel and funded within 72 hours of accepting an offer.

Transparent costs, terms & risks

Costs vary widely by product and by lender. Expect factors that influence cost to include loan size, term, security, and your business/credit profile. Typical characteristics:

• Unsecured loans: faster but usually higher rates.
• Secured loans: potentially lower rates, longer arrangement times and security obligations.
• MCAs: flexible repayments tied to turnover but higher overall cost.
• Invoice finance: fees for service plus discounting rates on invoice value.

Fast Business Loans does not charge businesses for introductions. Some lenders/brokers may pay us a commission for leads. We do not give regulated advice and cannot guarantee terms or approvals—these are decided by the lender. Always review total cost of credit and seek independent advice if unsure.

How to strengthen your application

Improve the speed and quality of lender responses by preparing:

• Recent bank statements (3–6 months).
• Up-to-date management accounts or profit & loss and balance sheet.
• Cashflow forecast showing how you’ll repay the loan.
• Clear explanation of loan purpose and timelines.
• Details of assets or guarantees (if available) for secured offers.

Tip: present a concise “use of funds” and repayment plan—lenders want confidence in how money will be used and paid back.

Typical timeline: enquiry to funding

Timelines depend on product and documentation:

• Initial match & lender contact: usually within hours to one working day.
• Preliminary offers: within 24–72 hours for many unsecured or invoice finance facilities.
• Funding: can be as fast as 24–72 hours after documentation for unsecured loans; secured options and complex facilities may take longer.

We keep you updated during the process; final terms and drawdown are agreed directly between you and the lender/broker.

Cashflow Loans — FAQs

Will my enquiry affect my credit score?

No. Submitting Fast Business Loans’ enquiry does not affect your credit score. Lenders may request a credit check later, but only with your permission.

What loan amounts can I expect?

Our partners typically arrange cashflow funding from around £10,000 upwards. Some providers can scale to much larger corporate facilities depending on need and security offered.

Can I apply if I’ve been declined elsewhere?

Yes. Because our panel includes lenders with different risk appetites, you may still be eligible for alternative solutions. Complete the enquiry and we’ll match you with appropriate providers.

Do I need to offer security or a personal guarantee?

Not always. Many short-term cashflow loans are unsecured, but some lenders request director guarantees or asset security—this will be made clear by the lender before you commit.

How do repayments work?

Repayments depend on product—fixed monthly instalments for loans, interest-only periods, percentage-of-sales for MCAs, or fees and advances in invoice finance. Check the total cost and repayment profile in every offer.

Who regulates the lenders you introduce?

The regulation of lenders/brokers varies. Fast Business Loans acts as an introducer and does not provide regulated advice. Always confirm the lender’s status and review their terms before accepting an offer.

Next steps & compliance

If you’re ready to explore cashflow options, complete a short, secure enquiry so we can match you quickly with the best lenders/brokers for your needs. The enquiry is free and carries no obligation: Start Your Free Eligibility Check.

Important: Fast Business Loans is an introducer, not a lender, and does not provide regulated financial advice. Eligibility and terms are subject to lender assessment. Always read lender terms carefully and consider independent advice if needed.

1) Are you a lender or a broker?
Fast Business Loans is an introducer that connects UK businesses with trusted lenders and brokers; we don’t lend or give regulated financial advice.

2) Is the enquiry an application?
No—it’s a quick, no-obligation eligibility check used solely to match your business with suitable providers.

3) Will submitting an enquiry affect my credit score?
No; our enquiry doesn’t trigger a credit search and any lender checks happen later only with your consent.

4) How quickly can I get a cashflow loan?
Many unsecured cashflow loans or invoice finance facilities can fund within 24–72 hours once documents are supplied, while secured options usually take longer.

5) How much can I borrow?
Our partners typically offer from around £10,000 upwards, with larger facilities available depending on your trading profile and any security.

6) Do I need to provide security or a personal guarantee?
Not always—many cashflow solutions are unsecured, but some lenders may request a director guarantee or asset security based on risk.

7) What documents will I need to provide?
Lenders commonly ask for 3–6 months’ bank statements, recent management accounts, a simple cashflow forecast and a clear use-of-funds plan.

8) Can I apply if I’ve been declined elsewhere or have adverse credit/CCJs?
Often yes, because our panel includes lenders with different risk appetites and experience in tougher cases.

9) What can I use a cashflow loan for?
Typical uses include bridging late invoices, payroll, seasonal stock purchases, VAT/PAYE bills and urgent repairs.

10) What will it cost and do you charge any fees?
Pricing varies by product, term, security and credit profile, we don’t charge businesses for introductions, and some lenders/brokers may pay us commission.