Cashflow Loans UK – Fast Access to Working Capital
Cash flow pressures are part of running a business — from late invoices and seasonal dips to rising supplier costs. UK Business Loans makes it simple to find cashflow loans and business cash flow finance from trusted UK lenders and brokers.
We are not a lender and we don’t provide financial advice. We’re an introducer that matches your business with suitable lenders and brokers. Use our free, no‑obligation eligibility check and receive a quick quote by phone or email.
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What is a cashflow loan?
A cashflow loan is business finance designed to cover short‑term working capital needs. It helps keep operations moving while you wait for payments, navigate seasonal demand, purchase stock, cover VAT and payroll, or take advantage of time‑sensitive opportunities.
- Often unsecured, though secured options exist for larger facilities
- Terms typically short to medium (commonly 3–36 months, product dependent)
- Predictable repayments (fixed or variable, depending on facility)
- Can complement other solutions (for example, invoice finance or asset finance)
Common uses
- Bridging cash gaps caused by slow or late invoices
- Buying stock, inventory and materials
- Covering payroll, VAT and tax obligations
- Managing seasonality and quiet trading periods
- Funding marketing campaigns or new contracts
- Emergency repairs, essential upgrades, or short‑notice opportunities
Is a cashflow loan right for your business?
Cashflow finance suits many industries and trading stages. If your business has sound operations but needs short‑term liquidity, it could be a strong fit.
Industries we regularly support
- Construction and building services — manage materials, labour and contract gaps
- Retail and e‑commerce — buy stock ahead of peak trading
- Hospitality — navigate seasonality or refurbish for growth
- Accountancy firms and legal practices — cover payroll and overheads while awaiting fees
- Logistics and transport — fuel, fleet maintenance and short‑notice jobs
- Manufacturing and engineering — raw materials and production cycles
- Healthcare and care providers — staffing and equipment essentials
- Agriculture and food production — seasonal working capital
- Sustainability and renewables — bridging project stages or deposits
Not sure if cashflow loans are best? Our partners can also discuss invoice finance, short‑term business loans, revolving credit facilities, or merchant cash advances — and help you compare.
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
How our free eligibility check works
-
Complete a quick enquiry
Tell us about your business, required amount, purpose and trading profile.
Takes around two minutes; won’t affect your credit score to enquire. -
Smart matching
We connect you with suitable UK lenders and brokers who understand your sector and facility type. -
Fast response
Expect a call or email — often within hours — to discuss options and documentation. -
Compare and choose
Review personalised quotes, rates, terms and fees directly with the lender/broker. Proceed only if you’re happy.
Types of cashflow finance we can connect you with
Every business is different, so our panel covers a range of working capital solutions:
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.
Unsecured cashflow loans
- Quick‑to‑arrange working capital with fixed terms and monthly repayments
- Suitable for established businesses with consistent revenue
Short‑term business loans
- Typically 3–18 months
- Useful for time‑sensitive opportunities or bridging predictable cash gaps
Revolving credit facilities (RCFs)
- Draw funds as needed up to a limit; pay interest only on what you use
- Flexible alternative to an overdraft
Merchant cash advance (card‑based)
- Repayments flex with your card takings (a percentage of daily card sales)
- Popular with retail, e‑commerce and hospitality
Invoice finance (factoring or discounting)
- Release cash tied up in unpaid invoices; can be ledger‑confidential
- Works well if you invoice customers on terms — explore more on Invoice Finance
Trade finance and supply chain solutions
- Support purchases from suppliers with staged payments and letters of credit
Secured working capital
- Larger facilities may be secured against business assets or property
Reminder: UK Business Loans is not a lender and does not provide financial advice. We introduce you to lenders/brokers who arrange and manage the finance directly with you.
Related pages: Short‑Term Business Loans | Asset Finance
Eligibility and what lenders look for
Criteria vary by product and provider, but lenders and brokers may consider:
- Time trading and legal status (limited company, LLP, PLC)
- Turnover and profitability trends
- Bank statements and management accounts
- Existing liabilities and credit profile
- Purpose of funds and affordability
What to have ready (speeds things up)
- Last 3–6 months’ business bank statements
- Latest management accounts or year‑end accounts
- Details of any existing finance
- Photo ID and proof of address for directors/owners
- Recent VAT/Tax information if relevant
Free Eligibility Check (No Obligation)
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Rates, terms and costs — what to expect
Your rate and terms depend on your business profile, loan type, facility size, sector and risk. You’ll receive personalised, transparent quotes directly from lenders/brokers so you can compare total cost and repayment structure before you proceed.
What to compare in your quotes
- Total repayable and APR (or factor rate for merchant cash advances)
- Arrangement or broker fees (if any)
- Early repayment options and any associated fees
- Security requirements (if secured)
- Flexibility to top up or extend
- Any additional charges (for example, late payment costs)
Important notes
- Using UK Business Loans is free for business owners. If a broker or lender charges a fee, this will be disclosed clearly before you proceed.
- Enquiring with us does not affect your credit score. If you proceed, lenders may run credit and affordability checks with your consent.
Why choose UK Business Loans for cashflow finance
- Speed: Complete our form in minutes; get connected to suitable partners fast — often within hours.
- Choice: Access a range of trusted UK lenders and brokers through one enquiry.
- Sector expertise: We match by industry and facility type for a better fit.
- No obligation: Review offers and only proceed if you’re happy.
- Secure and confidential: Your details go only to relevant partners linked to your enquiry.
- Nationwide coverage: From London to Glasgow — we support businesses across the UK.
Example scenarios (illustrative only)
These snapshots are for illustration. Actual offers depend on your circumstances, credit profile and lender criteria.
Example 1: Retail store stocking up before peak season
- Need: £50,000 for seasonal inventory
- Solution explored: Revolving credit facility with flexible drawdown
- Benefit: Only pay interest on drawn funds; restock quickly ahead of peak
Example 2: Construction contractor bridging invoice gaps
- Need: Cover payroll and materials while waiting for stage payments
- Solution explored: Short‑term cashflow loan vs. invoice finance
- Benefit: Maintain site progress and avoid delays; predictable repayments
Example 3: Restaurant managing card‑based revenue
- Need: £30,000 for a kitchen refit and marketing push
- Solution explored: Merchant cash advance repaid as a percentage of card takings
- Benefit: Repayments flex with turnover; easier during quieter weeks
Cashflow loans vs alternatives — what to consider
Cashflow loan
- Straightforward lump sum and fixed term
- Good for defined, short‑term needs
Revolving credit facility
- Flexible drawdown; interest only on what you use
- Useful for fluctuating needs
Invoice finance
- Unlocks working capital tied up in invoices
- Best if you regularly invoice on credit terms
Merchant cash advance
- Repay as a percentage of card sales
- Aligns repayment with takings
If you’re unsure, our partners can help you compare options side‑by‑side and explain costs and risks clearly before you decide.
Responsible finance and important information
- Introducer only: UK Business Loans is not a lender and does not provide financial advice. We connect UK businesses with lenders and brokers who offer funding directly.
- Clear, fair, not misleading: We aim to provide transparent information so you can make informed decisions.
- No credit impact to enquire: Completing our form won’t affect your credit score. Partners may conduct checks if you choose to proceed, with your consent.
- Risks: Borrowing increases your business liabilities. Missed or late repayments can incur fees, affect your credit rating and impair your ability to obtain future credit. For secured facilities, your assets may be at risk if you do not keep up repayments.
- Fees: Our service is free for business owners. Any broker or lender fees will be disclosed to you clearly before you proceed.
- Data protection: We share your details only with relevant partners for your enquiry.
What you’ll be asked on the form (so you can prepare)
- Business name and status (limited company, LLP, PLC)
- Years trading and approximate turnover
- Amount required and purpose of funds
- Your name, role, email and phone
- Indicative credit position (if you know it)
Submitting takes around two minutes. Expect a fast response from suitable partners.
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.
Frequently asked questions about cashflow loans
How quickly can I get a cashflow loan?
Timelines vary by lender and product, but many decisions are fast once documents are supplied. Some facilities can be arranged within days. Use our free eligibility check to start the process.
Will my enquiry affect my credit score?
No. Enquiring via UK Business Loans won’t affect your credit score. If you proceed, lenders may conduct credit and affordability checks with your consent.
What amounts can I apply for?
Our partners work across a broad range — typically from around £10,000 through to seven figures for established businesses, subject to status and product.
Do you work with start‑ups?
Some partners support start‑ups and early‑stage businesses. Options may differ from those available to established firms.
Are rates fixed or variable?
It depends on the product. Many cashflow loans have fixed repayments, while revolving facilities charge interest on the amount you draw. Your quotes will outline this clearly.
What if my credit history isn’t perfect?
Many lenders can consider businesses with adverse credit, subject to affordability and security. Your partner will explain your options transparently.
Is there any obligation to accept an offer?
No. You decide whether to proceed after reviewing your personalised quotes and terms.
Do you charge any fees?
Our service is free for business owners. If a lender or broker charges fees, these will be disclosed before you proceed.
What documents will I need?
Typically 3–6 months’ bank statements, financial accounts, ID and proof of address for directors/owners, and details of existing finance. Your partner will confirm what’s required.
Get started today
- Complete a short form in under two minutes
- Get matched with trusted UK lenders and brokers who understand cashflow finance
- Receive tailored quotes fast by phone or email
- Compare and choose with no obligation
1) How do I apply online for a UK business loan through UK Business Loans?
Complete our quick enquiry form and we’ll instantly match you with trusted UK brokers and lenders who fit your needs.
2) Are you a lender, and does it cost to use your service?
We’re an introducer, not a lender, and our matching service is completely free with no obligation.
3) What types of UK business finance can I compare?
We connect you with options including unsecured and secured business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit-out finance, refinancing, commercial finance and short-term loans.
4) How quickly can I get a decision or funds?
You’ll typically hear from suitable lenders within hours, with funding often possible in a few days depending on the product and lender.
5) What loan amounts and repayment terms are available?
Our partners offer from £5,000 to over £5 million with both short-term and longer-term repayment options subject to assessment.
6) Can start-ups or small businesses with bad credit apply?
Yes—many of our partners support start-ups and SMEs, and some consider applicants with imperfect credit.
7) Will submitting an enquiry affect my credit score?
No—your initial enquiry won’t affect your credit score; credit checks are only carried out if you choose to proceed with a lender.
8) Are your brokers and lenders FCA-regulated and is my data secure?
Yes, we only work with FCA-regulated professionals and we share your details securely only with relevant, approved partners.
9) Do you cover my industry and location across the UK?
Yes—we support sectors from construction and hospitality to healthcare, manufacturing and retail, nationwide across the UK.
10) Do you help with green business loans and sustainability finance?
Yes—we can connect you with lenders for sustainability loans, including funding for solar, EV chargers, heat pumps and energy-efficiency projects.