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.
Cashflow Loans: Fast, Flexible Funding for UK Businesses
Summary: If your business needs short-term working capital, cashflow loans provide fast access to funds for payroll, unpaid invoices, seasonal dips or growth opportunities. Fast Business Loans doesn’t lend — we match limited companies and incorporated businesses (loans from £10,000+) with lenders and brokers best placed to help. Complete a free eligibility check and we’ll connect you to quotes and advice from experienced finance partners — no obligation and no hard credit check at the enquiry stage. Get a Free Eligibility Check.
What are cashflow loans and who uses them?
Cashflow loans are short- to medium-term facilities designed to bridge timing gaps between income and outgoing costs. They free up working capital so businesses can pay wages, suppliers, or invest in quick opportunities without disrupting operations.
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.
Common users include retailers, hospitality groups, manufacturers, logistics firms, construction companies and service businesses that invoice clients or face seasonal peaks and troughs.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Fast Business Loans acts as an introducer: we collect basic information through a quick enquiry and match you to lenders or brokers who specialise in your sector and funding need. We do not provide loans or regulated financial advice — our role is to help you get connected quickly. Learn more about cashflow loans.
Check Your Cashflow Loan Options
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
When a cashflow loan makes sense for your business
Bridging seasonal gaps
If your sales fluctuate across the year but costs are steady, a short-term cashflow facility smooths payroll, stock purchases and overheads until sales recover.
Covering delayed invoice payments
Late-paying customers can create pressure. Invoice finance or a working capital loan can unlock funds quickly so you aren’t reliant on a single debtor.
Funding rapid growth opportunities
When a growth opportunity requires quick investment — extra stock, a limited-time contract, or a one-off bulk purchase — a cashflow loan can provide the bridge without tying up reserves.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Borrow responsibly: only borrow for clearly defined needs, and consider how repayments fit expected cash inflows. Our partners will help assess affordability and suitable terms.
How Fast Business Loans helps you secure cashflow finance
We simplify the search for funding by matching your business to brokers and lenders who routinely work with companies like yours.
Our four-step process
- Quick enquiry: tell us a few details about your business and funding need (takes under 2 minutes).
- Smart matching: we match your enquiry to lenders and brokers in our network with relevant expertise.
- Rapid response: matched partners contact you to discuss options and request documents if needed.
- Compare and decide: review quotes and pick the option that fits your goals.
We do not carry out hard credit checks at the enquiry stage — partners may request them later as part of formal applications. Your enquiry simply helps us find the right matches.
“Fast Business Loans found a broker who understood our seasonal pattern and helped secure a flexible facility within days.” — Example feedback from a UK SME (anonymised)
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.
Types of cashflow solutions our network can offer
Our panel includes providers that offer a variety of working capital products. The right solution depends on your cashflow profile, security available and repayment preference.
Unsecured cashflow loans
Quick to arrange and suitable for businesses with good trading history. Typical from £10,000 upwards. Terms and cost depend on credit profile and lender criteria.
Secured cashflow facilities
Lower-cost options where business assets or property can be provided as security. Useful for larger sums or longer terms.
Revolving credit lines
Access funds when you need them and repay as cashflow allows — a flexible alternative to one-off loans.
Invoice finance & merchant cash advances
Invoice discounting, factoring or merchant cash advances unlock cash tied up in unpaid invoices or card sales to improve liquidity quickly.
Terms vary significantly by provider; Fast Business Loans helps you compare options from multiple partners so you can make an informed choice.
| Solution | Best for | Typical loan size |
|---|---|---|
| Unsecured loan | Short-term working capital | £10k–£250k+ |
| Secured facility | Lower rates for higher amounts | £50k–£5m+ |
| Revolving credit | Ongoing liquidity needs | £10k–£1m+ |
| Invoice finance | Businesses with large invoice books | Depends on debtor value |
Eligibility snapshot: what lenders usually look for
Exact criteria vary by lender, but common considerations include:
- Minimum trading history (often 12–24 months for many lenders)
- Annual turnover and cashflow consistency
- Business and director credit history
- Profitability or realistic repayment plan
- Available security (if required)
Fast Business Loans will match you with partners experienced with your sector and circumstances — including businesses with complex credit histories — so you get realistic guidance.
Cost considerations and how to compare offers
When comparing providers, consider:
- Total cost of borrowing (interest + arrangement fees + exit or early repayment charges)
- Repayment schedule and flexibility
- Security requirements and potential personal guarantees
- Transfer or servicing fees (for invoice finance or MCA products)
Tip: ask lenders for an example repayment schedule showing total cost for the loan term. Our partners will help present comparable quotes so you can make a clear decision.
Preparing a strong cashflow loan enquiry
Make your enquiry more effective with these steps:
Organise financial statements
Have recent business bank statements, management accounts and VAT returns ready where possible.
Clarify use of funds
Explain exactly what the funds will be used for and how you expect to repay them.
Check credit information
Know your company’s and directors’ basic credit position — transparency speeds the process and avoids surprises.
Once you’re ready, complete the quick eligibility check now — it takes under two minutes.
Case snapshot: how cashflow funding supports UK SMEs
Case A — Local food wholesaler: seasonal demand caused cash shortfalls. Invoice finance unlocked 80% of outstanding invoices, funding stock purchases and payroll. Outcome: no lost contracts and improved supplier terms.
Case B — Specialist contractor: won a large project requiring immediate materials outlay. A short-term unsecured loan covered initial costs; project payments repaid the facility within the agreed term.
Individual results vary. These examples show typical outcomes when the right product is chosen for a specific business need.
Why UK businesses choose Fast Business Loans
- Fast matching to suitable lenders and brokers
- Access to multiple quotes so you can compare
- Sector-aware partners who understand specialist industries
- No fee to the business for being matched
- Simple, transparent process — it’s an introducer service, not a lender
We help you avoid wasted time contacting unsuitable lenders by steering your enquiry to partners who can realistically help.
Step-by-step: start your free cashflow loan enquiry
- Click “Start Your Enquiry” and complete a short form (under 2 minutes): Start Your Free Cashflow Loan Enquiry.
- We match your details to our panel and introduce suitable lenders/brokers.
- Expect a response by email or phone — often within hours during business hours.
- Review quotes, ask questions and decide — there’s no obligation to proceed.
Fast Business Loans only charges partners for successful introductions; our service is free to businesses.
FAQs about cashflow loans in the UK
Is Fast Business Loans a lender?
No. We introduce businesses to lenders and brokers who provide finance directly.
Will checking eligibility affect my credit score?
No. Completing our enquiry does not trigger a hard credit check. Lenders or brokers may carry out credit checks later as part of formal applications.
What loan amounts might be available?
Our partners commonly arrange facilities from around £10,000 upwards. Exact amounts depend on lender criteria and security.
How quickly can funding be arranged?
Timescales vary: some facilities can be agreed in days, others may require weeks for full due diligence. Matched brokers will advise realistic timings.
Do you support businesses with previous credit challenges?
Yes — we work with a broad panel, including brokers experienced in more complex credit scenarios. Submissions are reviewed case-by-case.
What documents will lenders usually request?
Common requests include recent bank statements, management accounts, proof of ID and company documents. Specific requirements depend on the product and provider.
Ready to improve your cashflow?
If you need fast access to working capital, start with a free, no-obligation eligibility check. Tell us about your business and we’ll match you to the lenders and brokers best placed to help.
Get Your Cashflow Loan Quotes Now
Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not provide loans or regulated financial advice. All finance is subject to lender eligibility and status. Loans and facilities arranged through partners are governed by those providers’ terms and conditions.
Content author: Fast Business Loans content specialist — experienced in UK SME finance. Last reviewed: 01 November 2025.
1) What is a cashflow loan and how can it help my UK business?
A cashflow loan is short- to medium-term working capital finance that bridges gaps between income and outgoings so you can cover payroll, stock or rapid growth opportunities.
2) How does Fast Business Loans work?
You complete a free two-minute eligibility enquiry and we match your UK business with suitable lenders and brokers who contact you with quotes to compare—no obligation.
3) Is the eligibility check a loan application and will it affect my credit score?
No—it’s an enquiry only used for matching and doesn’t trigger a hard credit check, though a lender may run one later if you proceed.
4) How much can I borrow with a cashflow loan?
Facilities commonly start from around £10,000, with unsecured options up to £250k+ and secured facilities potentially reaching £5m+ depending on profile and security.
5) How quickly can funding be arranged?
Many cashflow facilities can be agreed in days once documents are supplied, though more complex cases may take longer for due diligence.
6) What types of cashflow finance can you connect me with?
We can introduce you to unsecured and secured cashflow loans, revolving credit lines, invoice finance (discounting/factoring) and merchant cash advances.
7) Who is eligible for a cashflow loan?
UK limited companies and incorporated businesses with some trading history (often 12–24 months) and a viable repayment plan are typically eligible, with partners for complex credit cases.
8) What documents will lenders usually require?
Expect recent business bank statements, management accounts, VAT returns, proof of ID and basic company information, with specifics varying by product and provider.
9) Will I need to provide security or a personal guarantee?
Unsecured loans often require a director’s personal guarantee, while secured facilities are backed by business assets or property—requirements vary by lender.
10) What costs should I compare when reviewing offers?
Compare the total cost of borrowing (interest, arrangement and servicing fees), repayment schedule and flexibility, security or personal guarantees, and any early repayment or exit charges.