Business Finance
Cashflow finance.
Working capital that moves at the speed the business needs — to cover a gap, fund a large order, or trade through a seasonal dip.
Overview
How it works.
Cashflow finance is short-term working capital for the moments when timing — not the health of the business — is the problem. A payroll run that lands before a big invoice clears. A supplier deposit on an order you've already won. A seasonal slow period the business has to trade through. The business is sound; the cash is just in the wrong place at the wrong time. These loans are built for speed. They're assessed on the business's trading performance and turnover rather than property security, which means they can be approved and funded within days. That speed comes at a cost, so cashflow finance is a tool for a specific, short-term need — not a permanent part of how the business runs. Lenders vary widely in how fast and competitive they are on cashflow finance. We take your situation to the ones that are genuinely both, and set up the repayments around when your cash is actually expected to arrive. Used the right way, it stops a timing problem from becoming a trading problem.
Key Details
- Loan size
- $10,000 – $1M
- Loan term
- 3 – 36 months
- Security
- Often unsecured — assessed on trading performance
- Funding speed
- Same day
- Repayment
- Structured to suit the business
Use Cases
When this product fits.
01 / 03
Covering a payroll or supplier gap
Bridging the short window between a fixed outgoing — wages, a supplier payment — and the revenue that covers it landing.
02 / 03
Funding a large order
A business that has won a contract or large order and needs working capital to deliver it before the customer pays.
03 / 03
Trading through a seasonal dip
Carrying a business with a known seasonal cycle through its quiet period, repaid as the busy season comes back in.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
Often same day. These facilities are assessed mainly on trading performance rather than property valuation, which strips out the slowest part of the process. The exact speed depends on how complete the trading information is at the start.
Frequently no — many cashflow facilities are unsecured and assessed on the strength and consistency of the business's turnover. That is part of why they move quickly. Larger facilities may still want some form of security.
It costs more than secured term finance — you are paying for speed and for an unsecured assessment. Because of that, it is best used for a specific, short-term need with a clear repayment path, not as a permanent funding line.
A line of credit is an ongoing revolving facility you keep available. Cashflow finance is typically a defined, short-term advance for a specific gap. If the need is recurring, a line of credit is often the better long-term answer — we will tell you which fits.
That is one of the clearest uses for it. We structure the facility so it is drawn through the quiet period and repaid as the busy season's revenue comes in, matching the repayment to how the business actually trades.
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Ready?
Let's structure your cashflow finance.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.