Cashflow Loans: Fast, Flexible Funding Connections for UK Businesses

Summary: Fast Business Loans connects UK limited companies and SMEs with lenders and brokers that specialise in working capital and cashflow loans from around £10,000 upwards. We’re a free introducer service — not a lender or adviser — here to quickly match your business to partners that understand your sector and funding needs. Complete a short, no‑obligation enquiry and we’ll match you to suitable providers so you can compare quotes fast. Get Started — Free Eligibility Check

What is a cashflow loan?

Cashflow loans (also known as working capital loans or short-term business funding) are designed to plug temporary gaps between money going out and money coming in. They help businesses maintain operations, pay suppliers and staff, or take advantage of immediate opportunities.

Typical features:

• Amounts: from around £10,000 upwards.
• Term: short to medium term (weeks to a few years), depending on product.
• Structure: can be unsecured or secured; some products are revenue‑linked or invoice‑backed.
• Use: day-to-day working capital, bridging invoice delays, seasonal stock purchases.

Quick comparison — cashflow loans vs overdrafts vs invoice finance:

Fast Business Loans is an introducer. We do not provide finance or financial advice — we match your business with lenders or brokers who will provide terms.

Learn more about specialist cashflow lending options on our dedicated cashflow loans pillar page: cashflow loans.

When UK businesses typically choose cashflow funding

Managing seasonal revenue gaps

• Benefit: smooths payroll and supplier payments during low seasons.
• Risk: ensure repayments align with revenue seasonality to avoid strain.

Bridging invoice payment delays

• Benefit: maintain operations while waiting for customer payments.
• Risk: consider invoice finance or selective invoice discounting as alternatives.

Financing rapid growth or large orders

• Benefit: fund stock or project costs to fulfil large contracts.
• Risk: ensure projected cashflows cover repayments if revenue timing slips.

Covering unexpected costs or opportunistic purchases

• Benefit: quick access to funds enables fast response to opportunities.
• Risk: short-term borrowing can be more costly—factor fees into ROI.

If you’re unsure which route suits your situation, our partners can explain options and likely costs after you submit a simple enquiry. Free Eligibility Check

How Fast Business Loans works

We keep the process simple and focused on results:

1. Quick enquiry: you tell us a few details about your business and funding need (takes under 2 minutes).
2. Smart matching: we connect you to lenders and brokers who specialise in your sector and loan size.
3. Rapid contact: matched partners contact you by phone or email to discuss options and next steps.
4. Decide and proceed: compare offers and choose the solution that fits — no obligation.

Who we can match you with

Our panel includes a broad range of finance providers to suit different needs and risk profiles:

• High street and challenger banks (for larger, lower-risk requirements).
• Alternative and specialist lenders (fast decisions, flexible criteria).
• Independent brokers with sector expertise (construction, hospitality, manufacturing, etc.).
• Invoice finance and asset finance houses where appropriate.

Loan sizes typically start at around £10,000 and can extend to multi‑million facilities, depending on the lender. Final offers, eligibility and terms come directly from the lender or broker you choose to work with.

Eligibility snapshot & supporting documents

Information lenders typically assess

• Trading history and business structure (limited companies and SMEs).
• Annual turnover and recent monthly sales figures.
• Existing debt and repayment history.
• Purpose of funds and a short business plan or cashflow forecast for larger requests.

Supporting documents checklist

• Recent business bank statements (usually 3–6 months).
• Management accounts or trading statements.
• Company accounts (last available year/years).
• Details of outstanding borrowing and any security offered.

Improving your approval odds

• Ensure bank statements clearly reflect income and outgoings.
• Prepare a concise explanation of how the funds will be used and repaid.
• Address any obvious accounting anomalies before applying.

When you submit your enquiry we’ll flag which documents to have ready so lenders can assess quickly. Share Your Details — Match with Cashflow Lending Specialists

Cashflow loan costs & considerations

Interest rates & fees to expect

Rates and fees vary by lender and business profile. Expect a range depending on security, term and credit risk. Some common elements:

• Interest: fixed or variable; higher for short-term, high-risk lenders.
• Arrangement fees: one-off fees charged at drawdown.
• Exit or early repayment charges on some products.

Repayment structures

• Fixed monthly repayments — simple and predictable.
• Weekly repayments — common for short-term or revenue-linked lending.
• Revolving credit or renewal facilities — useful for ongoing seasonal needs.

Managing risk responsibly

Only borrow what you can afford to repay. Read lender terms carefully and consider independent financial advice if you’re unsure about long-term implications.

Industry spotlight: cashflow solutions across sectors

Our network includes brokers who specialise across many UK sectors. Examples:

Construction & building services

Challenge: long supplier lead times and staged payments. Solution: short-term cashflow loans or invoice finance to keep projects moving.

Retail & e-commerce

Challenge: stock buying for seasonal peaks. Solution: working capital loans timed to inventory cycles.

Hospitality & leisure

Challenge: seasonal swings and refurbishment costs. Solution: short-term funding for refits and pre-season stock.

Professional services

Challenge: waiting on large client invoices. Solution: invoice finance or small working capital facilities to smooth payroll.

Manufacturing & engineering

Challenge: funding equipment or raw material purchases to fulfil large orders. Solution: blended asset and cashflow finance.

Sector-aware brokers can improve your chances of a suitable offer — and we’ll match you to those specialists. Get Quote Now

Comparing cashflow loans with other working capital products

Choosing the right product matters. If you’re unsure, our partners can explain differences between products such as:

• Invoice finance — linked directly to outstanding invoices.
• Asset finance — secured against equipment or vehicles.
• Revolving credit facilities — flexible short-term borrowing up to a limit.

Not sure which fits? Submit a short enquiry and we’ll match you with a broker who can advise on practical pros and cons. Talk to a Broker — Free Introduction

Why businesses choose Fast Business Loans

• Speed — quick matching to suitable lenders and brokers.
• Sector expertise — access to partners who understand your industry.
• No cost — our service is free and without obligation to proceed.
• Transparency — you receive offers directly from lenders or brokers.
• Simple process — a short form unlocks multiple relevant contacts.

Start Your Cashflow Loan Enquiry — it takes under 2 minutes.

Step-by-step: start your free eligibility check

1. Click “Get Quote” and complete the short form with business name, turnover band, and funding need.
2. We match your enquiry to suitable lenders/brokers.
3. Matched partners contact you to request documents and provide indicative quotes.
4. Compare offers and choose the best fit; proceed directly with the lender/broker.

Privacy note: your details are only shared with relevant partners. Submitting an enquiry does not affect your credit score.

Realistic timelines: from enquiry to funds

• Urgent cases: some lenders can release funds in 24–48 hours after approval.
• Typical cases: 3–10 working days depending on documentation and underwriting.
• Complex or secured facilities: may take several weeks.

Compliance & transparency commitment

Fast Business Loans acts as an introducer — we do not provide financial advice or lend money. We aim to present clear, fair and non-misleading information so you can make an informed decision. Always read lender terms carefully and consider independent advice where appropriate.

Frequently asked questions about cashflow loans

Are cashflow loans secured or unsecured?

They can be either. Some lenders offer unsecured facilities for established businesses; others may ask for security (charge against assets or personal guarantees) depending on size and credit profile.

What documentation do I need?

Commonly requested documents include recent business bank statements, management accounts, company accounts and details of outstanding borrowing. Specific requirements depend on the lender.

How fast can funds be released?

Speed varies: some alternative lenders and brokers can arrange funds in 24–48 hours; many standard facilities take a few working days once documentation is complete.

Can start-ups apply?

Some lenders specialise in early-stage businesses, but many cashflow products require trading history. Tell us your situation and we’ll match you to appropriate partners.

What if I have adverse credit?

Adverse credit does not automatically rule you out. We work with lenders and brokers who consider a variety of factors beyond a single credit event; matched partners will advise on realistic options.

What loan amounts are available?

Our network arranges loans from around £10,000 up to multi‑million facilities depending on lender and purpose.

Is there a cost to use Fast Business Loans?

No. Our introducer service is free for UK businesses. Lenders and brokers set their own fees and rates — you’ll be told these before you commit.

Will submitting an enquiry affect my credit score?

Initial enquiries via Fast Business Loans do not impact your credit score. Lenders may carry out credit checks only if you choose to progress with an application.

Start today — connect with a cashflow specialist

If your business needs working capital from £10,000 and up, Fast Business Loans makes it fast and simple to compare options. Complete a short, no‑obligation enquiry and we’ll match you with the most relevant lenders and brokers who can provide quotes by phone or email.

Start Your Cashflow Loan Enquiry — Free & No Obligation

Fast Business Loans is an introducer that connects UK businesses with lenders and brokers. We do not provide finance, financial advice or act as a lender. Eligibility and terms are determined by the lender.

– What is a cashflow loan?
A cashflow loan (working capital loan) is short‑ to medium‑term funding that helps UK businesses bridge gaps between outgoings and incoming revenue for payroll, suppliers, stock or opportunities.

– How quickly can I get a cashflow loan in the UK?
Depending on lender and documents, funds can be released in as little as 24–48 hours after approval, with typical cases taking 3–10 working days.

– How much can I borrow for working capital?
Our partners offer cashflow funding from around £10,000 up to multi‑million facilities, subject to eligibility and purpose.

– Are cashflow loans secured or unsecured?
They can be unsecured or secured, and some lenders may require a personal guarantee or asset charge based on loan size and risk.

– What are the eligibility criteria for a cashflow loan?
Lenders usually assess trading history, turnover, existing debt and affordability, with UK limited companies and SMEs preferred.

– What documents will I need to provide?
Expect 3–6 months of business bank statements, management accounts, latest company accounts, and details of existing borrowing/security.

– What do cashflow loans cost and how are repayments structured?
Rates and fees vary by risk, term and security, with repayments commonly fixed monthly or weekly, or via a revolving facility.

– Will completing your enquiry form affect my credit score?
No — our quick enquiry is not a finance application and won’t impact your credit score; checks only occur if you proceed with a lender.

– Can start‑ups or businesses with adverse credit get cashflow funding?
Yes, some specialist lenders consider early‑stage or credit‑challenged businesses and assess overall viability, not just past credit events.

– How does Fast Business Loans work and is it free?
We’re a free introducer that quickly matches your business with suitable UK lenders and brokers so you can compare quotes with no obligation to proceed.