Keep trading while the money catches up.
Profitable on paper but tight in the bank? Cash flow finance bridges the gap between paying for work and getting paid for it.
Pick the option that fits the job.
Each route behaves differently in practice. We start with what the money has to do, then explain where they differ.
Business cash flow loans
A defined amount of capital with an agreed repayment structure, useful when you need funding for a specific purpose.
Explore this optionMerchant cash advance
Funding assessed around future card takings, with repayments that flex in line with what the business turns over.
Explore this option
A timing problem is not a money problem.
Long payment terms, a seasonal peak, an unexpected bill or an order bigger than usual. Any of them can squeeze cash long before the income lands. Cash flow finance smooths that timing, and the structure that suits you depends on how the business actually trades.
- Covering costs while you wait to be paid
- Funding stock, materials or wages through a busy period
- Taking on a larger order without straining reserves
- Managing seasonal peaks and quieter months
All finance is subject to status, lender criteria and affordability. Security or a personal guarantee may be required. Late or missed payments may affect your credit profile and put business or personal assets at risk.
Let's find out what's actually available.
Tell us what you are planning and we will come back with a straight answer. No obligation, no effect on your credit score.