Cashflow Loans for UK Businesses – Match with Trusted Lenders Fast
Summary: Cashflow loans (working capital finance) give UK limited companies fast access to funds for payroll, suppliers, stock or seasonal dips. Fast Business Loans does not lend money — we introduce businesses to specialist lenders and brokers who can help. Our free, no-obligation enquiry connects you with partners who commonly arrange loans from £10,000 upwards and can often respond within hours. Complete a short enquiry to get a free eligibility check and tailored matches.
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.
What is a cashflow loan?
Cashflow loans — also called working capital finance — are short- to medium-term facilities designed to cover the gap between what a business owes and what it is owed. They can be unsecured or secured, revolving or one-off, and are commonly used to pay wages, buy stock, cover supplier invoices or bridge seasonal slowdowns. Lenders offer different structures and terms; Fast Business Loans helps you find the right partner to discuss suitable options for your business. We only introduce you to lenders and brokers — we do not lend or provide regulated financial advice.
When a cashflow loan makes sense for UK businesses
Cashflow finance suits companies that need funds quickly to keep operations running. Typical scenarios include:
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.
- Covering short-term gaps while waiting for customer payments
- Managing seasonal demand or supply delays
- Funding a one-off purchase of stock that unlocks larger revenue
- Bridging payroll or supplier payments during rapid growth
- Restructuring short-term debt to improve monthly cashflow
Check Your Eligibility in Minutes
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans helps you secure cashflow finance
We act as a time-saving introducer between your company and a panel of specialist lenders and brokers. Our straightforward process:
- Complete a short enquiry (under 2 minutes) describing your business and the finance you need.
- We match your request to lenders/brokers who regularly support businesses in your sector and size.
- Your matched partners contact you directly with options — usually by phone or email — to discuss terms and next steps.
- You compare the options and decide which lender to progress with; you are under no obligation to accept any offer.
At the initial enquiry stage we usually carry out only soft searches so your credit score isn’t affected. If you decide to proceed with a lender they may perform their own checks.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Types of cashflow finance we can introduce
Unsecured cashflow loans
Unsecured loans require no business assets as security. They’re quick to arrange and suitable for short-term needs, but rates can be higher because the lender takes more risk. Typical amounts start from around £10,000 upward depending on the lender and circumstances.
Revolving credit facilities
A revolving facility (overdraft-style) gives ongoing access to funds up to an agreed limit. It’s flexible for businesses with fluctuating needs; interest is charged only on amounts drawn.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Invoice finance & factoring
Invoice finance unlocks cash tied up in unpaid invoices. Factoring can include collection services, while discounting leaves collections with you. This suits businesses with sustained invoice-led working capital needs.
Merchant cash advances
MCAs advance funds repaid from future card takings. They can provide fast access to funds but may have higher overall costs. Best suited to businesses with strong card sales.
Short-term bridging loans
Bridging loans are short-term and typically secured; they bridge temporary gaps (for example while moving between facilities). These are arranged quickly for specific short-term needs.
Our partners commonly support funding ranges from approximately £10,000 to several million pounds, subject to eligibility and lender criteria. For more detail on one popular option, read our dedicated cashflow loans guide: 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.
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.
Eligibility snapshot
| Common lender expectations | Typical requirement |
|---|---|
| Trading history | Usually at least 6–12 months trading (varies by lender) |
| Turnover | Depends on product; some lenders require minimum annual turnover |
| Credit profile | Acceptable business/director credit, though some specialist lenders help those with past issues |
| Documentation | Recent bank statements, management accounts or filed accounts, ID for directors |
Criteria vary widely between lenders; our matching service aims to save you time by pre-selecting partners most likely to consider your case.
Required information for a smooth enquiry
Providing clear information with your enquiry speeds up matching. Typical details to include:
- Company name and registration number
- Business sector and brief description of trading activity
- Annual turnover and recent monthly revenue trends
- Amount required and what it will be used for
- Any existing borrowing and security available (if any)
We handle your data securely and only share it with lenders/brokers relevant to your request.
Advantages of using Fast Business Loans
- Fast response: Short form, quick matching and rapid lender contact.
- Wide panel: Access to specialist lenders and brokers across sectors.
- Sector expertise: Matches aim to pair you with partners who understand your industry.
- Free to use: Our service is free and you are under no obligation to proceed.
- Human support: Follow-up by our team if you need help during the process.
“Fast Business Loans helped us find a revolving facility quickly — the right partner understood our seasonal cycle and offered a tailored solution.” — anonymised client
Costs, terms & considerations
Loan terms and costs vary by product and risk profile. Typical features:
- Term length: short-term (weeks/months) up to a few years depending on product.
- Interest & fees: dependent on lender, security, credit profile and product type.
- Repayments: may be fixed monthly, daily (for MCAs) or interest-only with bullet repayment.
Always compare the total cost of borrowing (interest + fees). Consider specialist independent advice if you’re unsure about affordability or the best structure for your business.
For impartial reference on business finance, see the British Business Bank guidance (british-business-bank.co.uk).
We do not provide financial advice. You should consider your options carefully and, where appropriate, seek independent professional advice.
When a cashflow loan may not be right
Cashflow loans are not a solution for every situation. Consider alternatives if:
- Your business has persistent structural losses and no realistic repayment plan.
- There is no evidence of recovering revenue or the gap is long-term rather than temporary.
- You lack required documentation or cannot demonstrate cash generation to service the loan.
Alternatives include asset finance, refinancing, equity investment, or business restructuring. Our partners can advise on the best route for your circumstances once matched.
Cashflow support by industry
We commonly help businesses in:
- Construction: Finance for materials and labour while waiting for client payments.
- Hospitality & leisure: Seasonal working capital and refurbishment funding.
- Retail & eCommerce: Stock purchases ahead of peak seasons.
- Manufacturing: Bridge gaps for raw materials and production runs.
- Healthcare & clinics: Equipment purchases and working capital during growth phases.
- Logistics & transport: Vehicle and fleet working capital solutions.
Each sector has lenders who specialise in that market — our matching aims to find those partners quickly.
Success snapshot
An anonymised example: a Midlands manufacturer contacted us for short-term stock funding and was introduced to a broker who arranged a £150,000 revolving facility within a week. The facility enabled a bulk purchase at a discount and improved margins. Every case is unique — this example illustrates how faster matching can help cashflow-sensitive businesses execute opportunities.
How to apply in less than 2 minutes
- Click “Start Your Cashflow Loan Enquiry” and complete the short form with basic business details.
- Tell us how much you need and the reason (payroll, stock, bridging, etc.).
- We match you to appropriate lenders/brokers and share your details with them.
- Expect contact by phone or email to discuss offers and next steps — you choose whether to proceed.
Frequently asked questions
Is a cashflow loan right for my business?
It can be if your need is short- to medium-term and you can demonstrate the ability to repay. Submit a short enquiry and we’ll match you with partners who specialise in your sector to discuss suitability.
How quickly could I receive funds?
Times vary. Many lenders can review an application quickly and, if approved, release funds in as little as 24–72 hours. Actual times depend on the lender’s processes and the completeness of documentation.
Will my credit score be affected by enquiring?
Initial matching via Fast Business Loans normally involves a soft check only and will not affect your credit file. If you progress with a particular lender they may undertake hard credit checks in line with their policies.
Do you charge businesses to use this service?
No — our introducer service for business owners is free. We receive commission from partners when finance completes, which does not increase what you pay the lender.
What minimum loan size can your partners arrange?
Our panel typically arranges funding from around £10,000 upwards. Larger amounts are available through certain lenders and brokers on our panel.
What documents will lenders request?
Common documents include recent business bank statements, management accounts or filed accounts, personal ID for directors and details of existing liabilities. Exact requirements vary by lender.
Compliance & transparency
Fast Business Loans acts as an introducer, not a lender, and does not provide regulated financial advice. We aim to be clear, fair and not misleading. Your data is treated securely and only shared with selected lenders and brokers relevant to your enquiry. You should carefully assess affordability and consider independent professional advice if needed.
Ready to boost your cashflow?
If your company needs fast working capital from £10,000 and up, a short enquiry is the quickest way to see what options are available to you. We’ll match your business with lenders and brokers who specialise in your sector so you can compare real offers — with no obligation to proceed.
– Q: What is a cashflow loan?
A: A cashflow loan—also called working capital finance—is short- to medium-term funding used by UK companies to cover payroll, stock, supplier invoices or seasonal gaps until revenues arrive.
– Q: How does Fast Business Loans help me secure a cashflow loan?
A: We’re an introducer that matches your enquiry to trusted UK lenders and brokers for free, so you can compare offers quickly with no obligation to proceed.
– Q: How fast can my business receive funds?
A: Many partners can assess and, if approved, release funds in 24–72 hours, subject to lender checks and complete documentation.
– Q: What loan amounts are available?
A: Our panel commonly arranges cashflow finance from around £10,000 up to several million, depending on eligibility and product type.
– Q: Will enquiring affect my credit score?
A: Initial matching usually uses a soft search that doesn’t affect your credit score, with any hard checks only occurring if you proceed with a chosen lender.
– Q: Is the enquiry form a loan application?
A: No — it’s a quick, no-obligation eligibility check used to match your business with suitable lenders or brokers.
– Q: Who is eligible for a cashflow loan?
A: Lenders typically prefer UK limited companies with 6–12 months’ trading and acceptable credit, though some specialists consider younger firms or past credit issues.
– Q: Do I need security, or are unsecured cashflow loans available?
A: Both secured and unsecured options are available, with unsecured facilities often faster to arrange but potentially at higher cost.
– Q: What documents will lenders request?
A: Expect recent business bank statements, management or filed accounts, director ID and details of existing borrowing, though exact requirements vary by lender.
– Q: What are typical costs and terms?
A: Terms can range from weeks to a few years with interest and fees varying by product and risk, so always compare the total cost of borrowing before committing.