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Cashflow Finance
Keep Your Business Running Smoothly
Short-term funding solutions to bridge gaps, manage seasonal fluctuations, and keep your trade business operating without interruption.
Rates from 0.8% monthly
Same-Day Funding
N/A Min Deposit
4.9/5 on Google
£250K
Max Funding
Same Day
Funding
Flexible
Repayment
Why Choose Our Cashflow Finance?
We specialise in cashflow finance for tradesmen with flexible options to suit your business
Same-Day Funding
Apply today, receive funds today for urgent cashflow needs
Short-Term Options
From 1 month to 24 months - borrow only for as long as you need
Flexible Repayment
Match repayments to your income cycle - weekly, monthly, or on invoice payments
Simple Process
Minimal paperwork - often just bank statements to apply
What We Finance
From everyday essentials to specialist equipment, we have finance options for every need
Bridging Finance
- Gap between jobs paying
- Waiting for big invoice
- Property chain breaks
- Quick opportunity funding
Merchant Cash Advance
- Advance on card payments
- Repay as you earn
- Automatic collection
- No fixed payments
Revenue-Based Finance
- Based on turnover
- Flexible repayments
- Scales with business
- Quick access
Overdraft Alternatives
- Credit lines
- Revolving facilities
- Draw as needed
- Only pay for what you use
Understanding Your Options
Different finance types suit different needs. Here's what you need to know.
Short-Term Business Loan
A fixed-term loan for 1-24 months with regular repayments. Good for known, short-term funding needs.
You own the asset at the end
Tax Benefits:
Interest is tax-deductible as a business expense.
Best For:
Specific short-term needs like a tax payment or stock purchase.
Merchant Cash Advance
Receive an advance based on your card transaction history. Repay automatically as a percentage of daily card sales.
You own the asset at the end
Tax Benefits:
Fees are tax-deductible.
Best For:
Businesses with regular card payments who want repayments that flex with income.
Revolving Credit Facility
Like an overdraft but often easier to get. Draw funds when needed up to your limit, repay, and draw again.
You own the asset at the end
Tax Benefits:
Interest on drawn amounts is tax-deductible.
Best For:
Ongoing cashflow management where needs vary month to month.
What Tradesmen Say About Us
4.9/5 from 500+ reviews on Google
"VAT bill landed and I was waiting on two big invoices. Got a cashflow loan for 3 months, paid HMRC on time, repaid when my invoices cleared. Saved me a penalty."
Gary W.
Builder • Manchester
G.W. Building Services
Financed £12,000"Take a lot of card payments so merchant cash advance works perfectly. Repayments flex with how busy I am. Never have to worry about fixed monthly payments."
Emma T.
Decorator • Brighton
Perfect Finish Decorating
Financed £8,000Ready to Get Started?
Get a free, no-obligation quote in minutes. Our team of trade finance specialists will find the best cashflow finance deal for your business.
No impact on your credit score for initial quote
Competitive rates from our panel of lenders
Dedicated trade finance specialist assigned to you
Support throughout the entire application process
Cashflow Finance Quote
Working capital solutions
Frequently Asked Questions
Got questions about cashflow finance? We've got answers.
Cashflow finance is short-term funding to help manage gaps between paying expenses and receiving income. It's particularly useful for tradesmen who often have to buy materials and pay suppliers before being paid for the work.
Many cashflow products offer same-day funding. Apply in the morning with bank statements and you can often have funds by the afternoon or next morning.
Short-term finance typically has higher rates than longer-term loans because you're borrowing for a shorter period. However, the total interest paid is often lower because you're not borrowing for years. We'll always show you the total cost before you commit.
You receive an upfront cash advance based on your card transaction history. You repay automatically as a fixed percentage (typically 10-15%) of your daily card sales. Good months repay faster; quiet months repay slower.
Most cashflow products are unsecured, meaning you don't need to put up property or assets. Approval is based on your business performance and bank statements.
Usually just 3-6 months of business bank statements. Some lenders can connect directly to your bank for instant verification. Minimal paperwork compared to traditional loans.