Running short on working capital doesn’t have to derail your plans. Fast Business Loans helps UK companies find the right cashflow loan quickly by introducing you to vetted brokers and lenders who specialise in short-term working capital. Our service is free to use and simply connects you with partners best suited to your sector and needs — you decide whether to proceed.

Trust points: UK focus • Free, no-obligation enquiry • Wide lender/broker panel • Soft enquiry (no initial credit hit). Free Eligibility Check

What is a cashflow loan?

A cashflow loan is short-term finance designed to plug temporary gaps between outgoing costs and incoming revenue. It’s used by businesses that need to maintain operations while waiting for invoices, seasonal sales or a large contract payment.

How cashflow loans differ from other lending:

• Focus: designed specifically for working capital rather than long-term investment.
• Structure: options include unsecured short-term loans, secured bridging-style facilities or flexible revolving credit lines.
• Speed: typically faster to arrange than long-term secured lending — often days rather than weeks.

Typical features:

• Amounts: from around £10,000 upwards (we focus on deals of £10K+).
• Terms: short-term (30 days to 24 months) depending on product.
• Security: unsecured, asset-backed or invoice/receivables-backed options.

Check Your Eligibility

How Fast Business Loans helps — our simple process

We’re an introducer. We don’t provide credit. Instead we match your company with lenders and brokers who can offer cashflow finance suited to your profile.

1. Quick enquiry: complete our short form (under 2 minutes). We ask business basics, funding need and contact details.
2. Smart match: we match you to lenders and brokers in our panel who specialise in your sector and finance type.
3. Rapid response: a broker or lender typically contacts you by phone or email to discuss options and next steps.
4. Compare offers: review multiple terms and choose the option that fits your cashflow plan.
5. Funding: the lender handles underwriting and, if approved, arranges funds directly to your business.

We operate transparently: Fast Business Loans is an introducer, not an adviser or lender. Matching is free and no obligation. Get My Cashflow Loan Options.

For more detail on cashflow-focused products, see our pillar guide to cashflow loans.

Benefits of a cashflow loan

• Immediate liquidity: cover payroll, supplier bills or urgent costs to keep operations running.
• Seize opportunities: take advantage of bulk-buy discounts, urgent stock or short-term growth without harming margins.
• Flexibility: choose unsecured or asset-backed options depending on cost and risk appetite.
• Speed: many lenders can progress from enquiry to funds in 24–72 hours once approved.
• Short-term solution: avoids shifting long-term debt onto balance sheet for temporary needs.

Free Cashflow Loan Quote

Eligibility & documentation checklist

Each lender sets their own criteria, but typical requirements for cashflow finance include:

• Trading history: most lenders look for 6–12 months trading for smaller facilities; established SMEs fare better.
• Turnover: lenders often assess annual turnover and recent revenue trends.
• Credit profile: business and director credit checks may be required at later stages; our initial match is soft-check only.
• Security: some products require assets, while others accept unsecured applications at higher rates.

Common documents lenders request:

• Recent bank statements (typically 3–6 months).
• Management accounts or VAT returns.
• Cashflow forecast or debtor list (for invoice-related facilities).
• Proof of ID/business registration for directors and company.

Start-ups and newer companies can sometimes access specialist alternative lenders — tell us your circumstances and we’ll match accordingly. Talk to a Specialist Broker

Cashflow loans vs other finance

Choosing the right product depends on how long you need funding, what you can offer as security, and how quickly you need funds.

Fast Business Loans helps you compare these options so you can choose the right solution. Compare Cashflow Solutions

Industry use cases

Construction

Challenge: long supplier payment cycles and staged payments from clients. Solution: short-term cashflow loans or invoice finance to smooth payments and buy materials.

Retail & eCommerce

Challenge: seasonal stock buying. Solution: short-term working capital to purchase inventory ahead of peak sales.

Hospitality

Challenge: seasonal fluctuations and unpredictable trading. Solution: flexible short-term facilities to cover payroll and stock between seasons.

Professional services & SMEs

Challenge: delays in client payments. Solution: invoice-backed facilities or short-term loans to bridge the gap without disrupting operations.

If your sector isn’t listed, we still likely have lenders who specialise in your area — tell us about your business. Match Me with a Sector Specialist

Costs, rates & responsible borrowing

Rates and fees vary widely depending on lender, product, security and risk. Expect quoted rates to reflect:

• Credit profile of the business and directors
• Whether the loan is secured or unsecured
• Term length and size of facility

Typical short-term cashflow rates can be higher than long-term loans because of the speed and unsecured nature of some products. Lenders also charge arrangement fees, exit fees or servicing fees. Fast Business Loans charges you nothing for introductions — fees are set by the lender or broker.

Responsible borrowing: only borrow what you can afford to repay. Lenders will assess affordability before completing an offer. If in doubt, seek independent financial advice. See Your Indicative Rates

Frequently asked questions

How quickly can cashflow loans be approved?

Many lenders respond within hours of an enquiry. Once documents are submitted, funding can often occur within 24–72 hours for straightforward cases.

Does applying affect my credit score?

Submitting an enquiry via Fast Business Loans does not affect your credit score. Lenders may run credit checks only if you proceed with an application.

Can I get a cashflow loan with previous declines?

Possibly. We work with a broad panel including alternative lenders who may consider businesses declined elsewhere. Provide full details so we can match appropriately.

What loan amounts are typical?

We focus on facilities from around £10,000 upwards. Our partners also support larger facilities into the millions, depending on need.

Is collateral required?

Not always. Some cashflow loans are unsecured, while others require assets or invoice security in return for lower rates.

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Success snapshot

A Midlands-based manufacturing SME faced a sudden cash imbalance while fulfilling a large order. After completing our short enquiry, a specialist broker contacted them within hours and arranged a short-term invoice-backed facility of £120,000 within 48 hours. The business paid suppliers on time, completed the contract and repaid the facility from incoming payments — avoiding production delays and lost revenue.

“Fast Business Loans connected us quickly to the right people. The process was straightforward and saved our contract.” — Finance Director (anonymous)

Request Your Cashflow Loan Match

Why choose Fast Business Loans

• Speed: fast matching to lenders experienced in cashflow finance.
• Choice: a broad panel of brokers and specialist lenders.
• Sector expertise: matched partners who understand your industry.
• Secure handling: your details are shared only with relevant partners.
• No cost to you: our matching service is free and no obligation.

Connect Me with Cashflow Lenders

Get started — quick 3-step process

1. Complete our short online enquiry (under 2 minutes).
2. We match you with suitable lenders and brokers.
3. Receive calls or emails with quotes — compare and decide.

Ready to begin? Get Quote Now

Compliance & transparency notes

Fast Business Loans is an introducer that connects UK businesses with lenders and brokers. We do not lend or provide regulated financial advice. All information on this page is for guidance only and not a guarantee of terms or approval. Lenders set fees, rates and terms; these will be disclosed by them. We encourage responsible borrowing and, where needed, independent advice before entering a finance agreement. Your data is handled securely — see our Privacy Policy and Terms for details.