Cashflow Loans for UK Businesses

Keep your business moving with fast access to working capital. Fast Business Loans connects UK companies and LLPs with a panel of trusted lenders and experienced brokers for cashflow loans from £10,000 and up — so you can cover stock, payroll, materials, or seasonal dips without the hassle. It’s free to enquire, takes under 2 minutes, and there’s no obligation to proceed.

Last updated: 28 October 2025

What Is a Cashflow Loan?

A cashflow loan is a short- to medium-term business finance solution designed to cover everyday operational costs — for example wages, supplier invoices, stock purchases, utility bills, or bridging slow customer payments. Many cashflow loans can be unsecured (no specific asset security required), though secured options may be available for larger amounts or lower rates.

Common use cases include:

• Bridging seasonal dips or lumpy revenues
• Purchasing inventory ahead of peak trading
• Covering payroll and supplier costs while awaiting invoices
• Emergency repairs, maintenance, or unexpected bills
• Seizing time-sensitive opportunities or discounts

Free Eligibility Check — see if your business could qualify in minutes.

How Cashflow Loans Differ from Other Funding

• Overdraft alternative: Typically clearer terms and potentially larger limits than an overdraft.
• Invoice finance alternative: No need to assign invoices; funding is for general working capital.
• Merchant cash advance alternative: Not limited to card takings; broader eligibility depending on lender.
• Asset finance alternative: No need to buy an asset; ideal when you simply need liquidity.

Free Eligibility Check — compare working capital options fast.

Who Are Cashflow Loans For?

Cashflow loans can support most UK SMEs that are incorporated as limited companies or LLPs, including franchises and multi-site operators. Our partners cover a wide range of sectors and understand the realities of fast-moving industries.

Typical borrower profiles:

• Seasonal businesses needing stock or staff cover
• Growing companies with long customer payment terms
• Contracting and project-based firms managing material costs
• Hospitality operators coping with fluctuating occupancy or footfall
• Online and multi-channel retailers preparing for peak events

How Our Service Works

1. Complete a Quick Enquiry
   Tell us about your business, funding amount, and contact details. It takes under 2 minutes.
2. We Match You with Trusted Partners
   We connect you with UK lenders and brokers aligned to your sector and needs.
3. Rapid Response
   Expect a call or email shortly to explore your options, indicative terms, and next steps.
4. Compare and Decide
   Review offers directly with the lender/broker. No obligation to proceed.

Important: We are not a lender and we do not provide financial advice. We introduce you to professional brokers and lenders who discuss terms with you directly.

Cashflow Loan Features and What to Expect

Every lender is different, but you may typically see:

• Borrowing amounts: From £10,000 to £5 million+ (subject to status)
• Terms: Around 3 to 60 months (or revolving facilities)
• Security: Unsecured and secured options
• Pricing: Fixed or variable; fees and structures vary by lender
• Speed: Some decisions within hours; funding can follow swiftly after approval

We avoid quoting specific rates because they depend on your trading profile, time in business, security, sector, and the lender’s risk assessment. Any quotation you receive will set out costs clearly before you agree to proceed.

What Affects Eligibility?

• Time trading and turnover trends
• Profitability and existing commitments
• Credit history of the business and (where applicable) directors
• Sector risk and seasonality
• Documentation quality and up-to-date accounts

What Documents Might Be Needed?

• Basic business details and Companies House info
• Recent bank statements (typically 3–12 months)
• Latest filed or management accounts
• Details of existing loans/finance agreements
• ID and proof of address for directors/owners
• Key contracts, invoices, or forecasts (case-by-case)

Start Your Enquiry — we’ll connect you to the right lenders/brokers fast.

Secured vs Unsecured Cashflow Loans

• Unsecured: Often quicker to arrange, with no specific assets pledged. Typically suited to smaller loans or when you need funds fast.
• Secured: May suit larger borrowing or lower rates if you can offer property, equipment, or other collateral. Legal processes can take longer.

Which is right for you? It depends on your objectives, timing, affordability, and risk appetite. Our partners will explain trade-offs clearly so you can make an informed choice.

Alternatives to Cashflow Loans We Can Introduce

Depending on your needs, these could be a better fit:

• Invoice Finance (Factoring/Discounting): Release cash from unpaid invoices.
• Revolving Credit Facilities: Draw down, repay, and redraw as needed.
• Merchant Cash Advance: Repay via a small percentage of card takings.
• Asset Finance and Refinance: Fund or refinance machinery, vehicles, or equipment.
• VAT/Tax Finance: Smooth HMRC payments and protect cash flow.
• Commercial Mortgages/Bridging: For property-led scenarios.
• Sustainability Loans: Finance for energy-efficient upgrades.
• Construction Business Loans: Funding tailored to contractors and developers.

Industries We Support

We connect you with lenders who understand your sector, including:

• Construction and Building Services
• Hospitality: Hotels, Pubs, Restaurants, Catering
• Healthcare and Care Services
• Logistics, Transport, and Fleet
• Engineering, Manufacturing, and Printing/Packaging
• Retailers and E-Commerce
• Agriculture and Food Production
• Energy, Sustainability and Green Projects
• Technology and Services Companies

Don’t see your sector? Submit an enquiry — we’ll match you with the most relevant partner.

Benefits and Considerations

Benefits

• Speed: Enquire in minutes and get matched quickly
• Flexibility: Use funds for working capital needs
• Choice: Compare lenders and structures without the legwork
• No obligation: Decide if any option suits your business
• Sector fit: Speak to specialists who understand your industry

Considerations

• Affordability: Ensure repayments align with cash flow
• Total cost: Review interest, fees, and early repayment terms
• Security: Understand implications of secured vs unsecured
• Term length: Match duration to the use of funds
• Existing commitments: Avoid over-leverage

Compliance note: Finance is subject to status, underwriting, and affordability checks. Terms vary by provider.

Get Started — discover your options with a free, no-obligation introduction.

What to Expect After You Enquire

• A quick call or email from one or more matched partners to clarify your needs
• Indicative terms if you meet initial criteria
• A list of documents to progress your application
• Clear disclosure of costs before you agree to anything

We keep your details secure and only share them with relevant partners who can help with your request.

Illustrative Scenario (Not a Quote or Offer)

A regional café group experiences a winter dip in footfall. They seek £60,000 to cover stock, payroll, and utility costs ahead of spring. After enquiring, they’re introduced to a lender that offers an unsecured working capital facility with a drawdown option. Funds are accessed in stages to manage interest costs as demand rebuilds.

Important: The above is for illustration only. It’s not a recommendation or an offer. Your terms and eligibility will depend on your business circumstances.

Why Choose Fast Business Loans

• Fast and Simple: A short online form connects you with lenders in minutes.
• Trusted Panel: Selected UK brokers/lenders with strong track records serving SMEs.
• Free to Use: You don’t pay us to be matched. We may receive a fee from partners if you proceed.
• No Obligation: You stay in control. Choose if and when to proceed.
• Sector Expertise: Reach partners who understand your industry and needs.
• Transparent and Secure: Clear communication, privacy, and data protection.

FAQs: Cashflow Loans

Q1: Is Fast Business Loans a lender?
A: No. We’re an introducer. We connect UK businesses with lenders and brokers who provide finance directly.

Q2: Does enquiring affect my credit score?
A: Submitting our enquiry form doesn’t affect your credit score. If you choose to proceed with a lender/broker, they may run credit checks.

Q3: How quickly can I get funds?
A: Timelines vary by provider and your circumstances. Some partners issue decisions within hours, with funding that can follow swiftly after approval and documentation.

Q4: What amounts are available?
A: Our partners can look at requests from £10,000 up to £5 million+ depending on your profile, sector, and security.

Q5: Do you support start-ups?
A: Many partners consider early-stage limited companies and LLPs, though options depend on trading history, turnover, and sector. Enquire to see what may be available.

Q6: Can I apply if I’ve been declined elsewhere?
A: Yes. Different lenders have different criteria. Our wider panel may find an alternative route.

Q7: What will it cost?
A: Costs depend on lender, risk profile, amount, term, and security. You’ll receive clear pricing from the lender/broker before you decide.

Q8: Is your service really free?
A: Yes. You don’t pay us to be matched. We may receive a fee or commission from a partner if you proceed.

Q9: What documents do I need?
A: Typically bank statements, accounts/management accounts, ID, and details of any existing finance. Your partner will confirm exactly what’s needed.

Q10: Can I use funds for everyday costs?
A: Yes — subject to lender terms, cashflow loans typically cover working capital such as payroll, stock, suppliers, and utility bills.

Compliance and Transparency Notes

• We are not a lender and do not provide financial advice. We act as an introducer to UK brokers and lenders.
• Your enquiry with us does not affect your credit score. Credit checks may be carried out by partners if you choose to proceed.
• Finance is subject to status, affordability, and underwriting. Terms and conditions apply. Your specific rate and terms will depend on your circumstances.
• Our service is free for business owners. We may receive a fee or commission from partners if you enter into an agreement with them.
• Please ensure you can afford the repayments. Late or missed payments may affect your credit rating and your ability to obtain future credit.
• Information on this page is for general guidance only and does not constitute financial advice.

Related Pages

• Invoice Finance — Unlock cash from unpaid invoices
• Asset Finance — Fund machinery, vehicles, or equipment
• Sustainability Loans — Finance energy-efficient upgrades
• Construction Business Loans — Funding tailored to construction
• About — How Fast Business Loans works

1) What is Fast Business Loans and how does it work?
Fast Business Loans is a free UK matching service that connects your business with trusted lenders and brokers in minutes after a quick 2-minute online enquiry.

2) Are you a direct lender or do you give financial advice?
We’re not a lender and we don’t provide financial advice; we introduce you to suitable UK brokers and lenders who can offer finance directly.

3) Will submitting an online enquiry affect my credit score?
No, your enquiry won’t impact your credit score, and any credit checks only occur later if you choose to proceed with a lender.

4) How fast can I get a response or funding?
You’ll typically be contacted within minutes to a few hours, with funding timeframes depending on the product and lender and often completing quickly once documents are provided.

5) What business loan amounts are available?
Our partners usually offer funding from around £5,000 up to £5 million or more, subject to eligibility and lender criteria.

6) What types of business finance can you help me compare?
We connect you to options including unsecured and secured business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit-out finance, refinance, commercial finance, and sustainability loans.

7) Do you support start-ups and SMEs or businesses previously declined elsewhere?
Yes—many partners specialise in start-ups and SMEs and may consider applications after previous declines, depending on your circumstances.

8) Which industries do you help across the UK?
We support a wide range of sectors, including construction, hospitality, retail and e-commerce, healthcare, agriculture, professional services, manufacturing, logistics, food, printing, pubs and breweries, and more.

9) What information do I need to apply online?
Start with basic business details, contact info, funding amount and purpose, and the lender may later request accounts, bank statements, or invoices.

10) Is your service free, secure, and are your partners regulated?
Yes—the service is free and no-obligation, your data is handled securely and only shared with relevant partners, and we work with verified UK brokers and lenders who follow FCA guidelines.