Cashflow Loans for UK Businesses | Fast Business Loans

Summary: Cashflow loans are short-term working capital facilities that help businesses bridge payment gaps, manage payroll, cover seasonal dips, or finance rapid growth. Fast Business Loans doesn’t lend money — we quickly match your company with the most suitable lenders and brokers so you can compare fast, no obligation. Complete a Free Eligibility Check to see what options are available for your business.

Secure the Cashflow Support Your Business Needs

Many UK businesses face short-term gaps between invoices, unexpected supplier bills, or seasonal drops in revenue. A cashflow loan can provide the working capital you need to keep operations running smoothly.

Fast Business Loans is an introducer — we connect limited companies with lenders and brokers that specialise in business cashflow solutions. Our service is free, quick and carries no obligation to proceed.

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What Is a Cashflow Loan and When Does It Help?

A cashflow loan is short-term finance designed to bridge temporary working capital gaps. It is typically repaid from future sales, invoice collections or operating cash.

Typical Use Cases

• Covering payroll during a slow month.
• Paying VAT, taxes or one-off supplier invoices.
• Purchasing stock for a large order before payment arrives.
• Smoothing seasonal revenue swings (e.g., retail, hospitality).
• Funding marketing campaigns or short-term expansion costs.

Cashflow vs Other Funding Types

• Overdrafts — flexible but may have variable costs and limits.
• Invoice finance — converts unpaid invoices into immediate cash.
• Asset finance — tied to equipment or vehicles, not day-to-day cash.
• Merchant cash advances — repaid via card sales; often higher cost.

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How Fast Business Loans Streamlines Cashflow Funding

Rather than searching dozens of lenders, our service quickly matches your business to appropriate lenders or brokers based on sector, size and funding need.

Our Four-Step Matching Process

1. Complete a short enquiry (under 2 minutes).
2. We review and match you to lenders/brokers who specialise in your needs.
3. Partners contact you with indicative terms and next steps.
4. You compare offers and decide — there’s no obligation to proceed.

Why Use an Introducer?

Introducers save time, increase access to niche lenders and help you compare multiple offers quickly. We share only the details relevant to matching your business and handle introductions securely.

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Eligibility Snapshot: Who Can Apply for Cashflow Loans?

Many lenders look for a combination of trading history, turnover and cashflow visibility. Requirements differ by product and provider.

Common Lender Criteria

• Limited company trading for usually at least 6–12 months (varies by lender).
• Minimum turnover thresholds — often from around £100k upwards (product dependent).
• Bank statements and management accounts to demonstrate cashflow.
• Credit history checks — some lenders accept past issues depending on structure.

Documents & Details You’ll Typically Need

• Last 3–6 months of business bank statements.
• Recent management accounts and VAT returns (if applicable).
• Details of unpaid invoices (for invoice finance) and debtor aging.
• Contact details and brief explanation of the funding purpose.

Even if you’ve been declined elsewhere, our wide panel includes lenders with different appetites — you may still have options.

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Cashflow Loan Options We Can Introduce You To

We introduce businesses to a range of working capital solutions. Below are common types and their typical features.

Unsecured Working Capital Facilities

• Quick access, no asset required; suitable for smaller amounts.
• Loan sizes typically from £10,000 upwards.
• Terms from a few months to a couple of years.

Invoice Finance & Selective Invoice Discounts

• Release cash from outstanding invoices.
• Funding based on the value of invoices; ideal for B2B firms with long payment terms.
• Flexible and scalable as invoices grow.

Merchant Cash Advances (Card-Linked Funding)

• Repaid as a fixed percentage of daily card takings.
• Fast approval and funding; common for retail and hospitality.
• Costs can be higher than traditional loans — compare carefully.

Secured or Guarantor-Supported Loans

• Lower rates possible when assets or guarantees back the borrowing.
• Suitable for larger facilities or where lenders require extra security.

For detailed guidance on cashflow products, see our pillar resource on cashflow loans.

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Comparing Costs, Rates and Repayment Structures

Cost depends on loan type, term, security and your business profile. Always compare total cost, not just headline rates.

Illustrative examples are for guidance only. Actual quotes from lenders will include precise fees and are subject to status.

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Industries We Regularly Support with Cashflow Finance

We match businesses across many UK sectors to lenders who understand sector-specific cashflow cycles.

• Construction: Manage retentions, materials and labour payments.
• Hospitality & Retail: Bridge seasonal dips and restock inventory.
• Healthcare & Clinics: Smooth cashflow between patient billing cycles.
• Manufacturing: Fund raw materials and production runs.
• Professional Services: Cover payroll while awaiting client payments.

Get Matched to Sector Specialists

Step-by-Step: Your Free Cashflow Loan Enquiry

1. Complete our short online enquiry — business details, funding amount and purpose.
2. We shortlist appropriate lenders/brokers from our panel.
3. Expect a phone call or email with indicative terms and documentation requirements.
4. Submit paperwork to the lender you choose; receive formal offer and agree terms.
5. Funds released once lender completes checks and approval.

Typical enquiry time: under 5 minutes. Response time from partners: often within hours during business days.

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Cashflow Loan FAQs & Key Considerations

Will submitting an enquiry affect my credit score?

No — completing our enquiry form does not affect your credit score. Lenders may perform credit checks only if you proceed with an application.

How quickly can funding arrive?

Some lenders release funds within 24–72 hours once documentation is provided. Speed depends on product and lender checks.

What loan sizes are available?

We commonly help arrange facilities from around £10,000 upwards; some partners provide much larger limits depending on circumstances.

Are personal guarantees normally required?

It varies. Unsecured facilities usually avoid asset security but some lenders may request director guarantees. We will flag likely requirements during matching.

What if I’ve been declined elsewhere?

Our broad panel includes lenders with different risk appetites. You may still have options — it’s worth enquiring.

Are the rates and offers guaranteed?

No — all offers are provided by lenders/brokers and are subject to their checks and terms. We only introduce you to potential providers.

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Why UK Businesses Trust Fast Business Loans

• We save you time by introducing you to multiple suitable lenders and brokers.
• Our service is free and carries no obligation to proceed.
• We protect your data and only share details with partners relevant to your request.
• Typical enquiries take under 5 minutes; responses are fast so you can act quickly.

Fast tip: Have your last three months of bank statements and a recent profit & loss summary ready to speed up lender responses.

Ready to Explore Cashflow Loan Options?

No cost. No obligation. Fast matches to lenders and brokers who can support your working capital needs.

Start Your Free Eligibility Check

Fast Business Loans is an introducer that connects UK businesses with lenders and brokers. We do not provide loans or financial advice. All finance is subject to status, lender terms and eligibility. Submitting an enquiry will not affect your credit score; lenders may carry out credit checks if you proceed with an application.

– What is a cashflow loan and how does it work?
A cashflow loan is short-term business finance repaid from future sales or invoice collections to bridge temporary working capital gaps.

– How quickly can my UK business get funding?
Some lenders can release funds within 24–72 hours once you’ve provided documents and passed checks.

– Will completing your eligibility check affect my credit score?
No—our enquiry is not an application and won’t affect your credit score; credit checks happen only if you proceed with a lender.

– How much can I borrow with a cashflow loan?
Our partners commonly fund from around £10,000 upwards, subject to turnover, trading history and affordability.

– What will a cashflow loan cost?
Costs vary by product, term and security, so compare total cost of credit (APR, fees or factor rates) rather than just a headline rate.

– Do I need security or a personal guarantee?
Unsecured options exist, but some lenders may request a director’s guarantee or asset security depending on facility size and risk.

– Can I get a cashflow loan with bad credit or after being declined elsewhere?
Possibly—our wide lending panel includes providers with varied risk appetites who may consider adverse credit or previous declines.

– Who is eligible for a cashflow loan in the UK?
Many lenders prefer UK limited companies trading 6–12 months with clear cashflow and minimum turnover (often from around £100k), though criteria vary.

– What documents will lenders ask for?
Expect 3–6 months of business bank statements, recent management accounts, VAT returns, and debtor details for invoice finance.

– Is Fast Business Loans a lender and how do you help?
Fast Business Loans is an introducer that securely matches your business with suitable lenders and brokers so you can compare offers with no obligation.