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What is a cash flow loan?
Cash flow loans are perfect for small businesses looking to unlock growth and keep everything moving in the right direction. Cash flow essentially means the timing of cash – or ‘working capital’ – coming in and out of your business.
If you offer payment terms on your services, there’s a good chance you’ll experience cash flow gaps from time to time. But don’t worry – that’s perfectly normal. In fact, at least 90% of small businesses in the UK report cash flow as one of their key challenges.
The trick is knowing how to cover those gaps, so you can invest in the things that matter most – whether that’s new premises, new people or new product lines.
And for times when cash is a little light, a finance injection can make a notable difference, providing the working capital you need while you wait for those invoices to clear.
Business cash flow financing from Fleximize
We are proud champions of small businesses here at Fleximize – and that’s why our flexible cash flow loans are suited to the needs of SMEs up and down the UK, many of whom continue to rely on external funding to boost their growth.
Here are just some of the highlights of our specialist business funding:
- Cash flow loans of £10,000 – £500,000 over 3 – 60 months
- Speedy approval and deposit in as little as 24 hours
- Wave goodbye to early repayment penalties and hidden fees
- Interest based on a reducing balance, not the total loan amount
- Enjoy a repayment holiday or top-up – it all comes as standard
- Exclusive discounts on industry-leading business services and tools through our Member Marketplace
- Your own dedicated relationship manager – the same friendly face no matter how many times you return for funding.
You’ll also feel the benefit of working with a multi-award-winning business lender.
We’re privileged to have twice been named the Best Business Finance Provider at the British Bank Awards, with further commendations from Moneyfacts, the Amazon Growing Business Awards and The Sunday Times Tech Track 100 – to name but a few.
Cash flow finance for all types of business
The UK is a melting pot of innovation – with new ideas and technologies seeing start-ups launch in sectors that may not have even existed a decade ago. These include everything from medtech and carbon capture through to electric vehicles and even space!
Therefore, when we’re asked which industries we lend to, the list is virtually endless.
To give you a flavour of how cash flow finance has helped other businesses, check out some of our recent customer success stories:
The Good Food Group
Aligning business expansion and stable cash flow was a balancing act that Ross Carlin, founder and MD of The Good Food Group, knows well.
The Good Food Group was established in 2018 to help undiscovered brands break into competitive markets. It became official supplier to twelve major retailers including Morrisons, Superdrug and Selfridges.
Fleximize provided the speedy funding package that Ross required to bridge a cash flow gap. After receiving a loan offer of £25,000, he was able to access the funds without delay.
Read More: Case Study: The Good Food Group
Montagne Sports
Alan Barrie, owner of Newbury-based Montagne Sports, first came across Fleximize in 2016 having been let down by his bank.
His fast-growing company needed funding to make several improvements, from new premises and equipment to essential refurbishments.
Fleximize came up with the funding quickly, so Alan could get on with his ambitious plans for the business. He has since returned to Fleximize twice looking for swift injections of capital – allowing him to take advantage of last-minute opportunities.
Read More: Case Study: Montagne Sports
Loved by our customers
What can cash flow loans be used for?
Cash flow loans are typically used to fund all sorts of business needs and growth opportunities – and we’ve seen them all at Fleximize. Here are just a few…
Recruitment
Expanding your team is a key part of business growth; it could even help you secure and deliver a lucrative contract for a new client. Recruitment isn’t cheap though – and that’s exactly where a cash flow loan can help.
New premises
It’s always exciting to open a new shop, restaurant or office, but what happens if you don’t have the cash available to secure that perfect plot? Let us finance your new premises, then pay us back on terms to suit you.
Equipment upgrades
Keeping your machinery in good nick is essential for fulfilling demand and avoiding costly downtime. Whether you need to purchase new equipment or make critical repairs, we’re ready and waiting to finance any upgrades.
Buying more stock
From retailers to restaurateurs, the last thing any business owner wants is to be short of stock when they need it most. Invest in more product while protecting your cash flow with a flexible loan from Fleximize.
Marketing and advertising
If you’re launching a new product or looking to recruit, you’ll want to get the word out straight away. A cash flow loan is perfect for funding a marketing campaign – or even a new website – while you wait for those payments to land.
Unforeseen expenses
As a business owner, you never know what may be just around the corner. In case of emergency or unexpected opportunity, you’ll want to peace of mind of knowing you can access the funding you need – and quickly.
If you want to know more about how we can support your business, give our friendly team a call and you'll get straight through to someone who can help, like Izzy. Or, if you're ready to apply, get started by clicking the button below.
0207
100 0110
What much do cash flow loans cost?
The cost of a cash flow loan can vary depending on the business or the lender. Here at Fleximize, we’re pleased to say our interest rates start from just 0.9% a month.
There are no hidden fees to worry about, and our penalty-free promise means you can repay early and save on the amount of interest owed.
For an estimated cost, why not give our business loan calculator a go below? Alternatively, you can apply online for a tailored quote.
Apply for a cash flow loan today
Ready to bridge that cash flow gap and get your business moving? Simply click the button below, fill out the short form, and a member of the team will be in touch before you know it.
Provided you tick all the right boxes, the money could be in your account within 24 hours of your application being approved.
Your common questions answered
At Fleximize, we want to approve as many applications as we can. Our flexible lending criteria means that even if other lenders haven't approved your business, we may be able to provide the funding you need.
You can apply for Fleximize's cash flow loans if:
- You're the company director of a limited company or LLP that is registered in the UK. If you’re a sole trader or non-limited partnership with fewer than four partners, you can borrow £25,000 or more.
- Your business has been trading for at least six months and has a minimum monthly turnover of £5,000.
- The business is in England or Wales. If you're based in Scotland or Northern Ireland, we can offer an unsecured loan of up to £250,000.
- You’re a homeowner looking for a loan of up to £500,000. If you're a non-homeowner, we can support you with up to £20,000 providing your business has traded for at least 36 months.
All our lending decisions are made by real people who will get to know your business before recommending the best outcome for you.
It could hardly be quicker or easier to apply for a cash flow loan with Fleximize.
The application process will ask you for some basic information on yourself, your business and any other directors, including names and addresses. We’ll also ask you about the purpose of your loan and your company’s typical revenue.
Documentation-wise, all we’ll need is business bank statements covering the last three months of trading; your most recent set of management accounts; and a revenue summary.
Feel free to upload these when applying, or alternatively you could join the 6 million Brits taking advantage of Open Banking, allowing you to share your bank statements digitally – and securely – in just a few clicks.
The main benefit of cash flow loans is that they are typically quicker to process than a traditional business loan. At Fleximize, for example, we can deposit the money in your account within 24 hours of application approval.
This means you can raise the working capital you need to take advantage of a short-notice business opportunity, repair a piece of equipment or secure that new premises before somebody else snaps it up.
The requirements for cash flow loans also tend to be more lenient – so you might still be eligible even if your credit score isn’t perfect.
A cash flow loan is specifically designed to help businesses with short-term cash flow needs, providing the finance they need to purchase more stock, pay bills on time or deal with emergency expenses.
Cash flow loans tend to have more relaxed credit requirements and can be deposited quickly, which is ideal for businesses with urgent funding requirements.
Small business loans cover a range of other funding options – from asset financing and term loans to invoice finance and lines of credit.
At Fleximize, our cash flow loans come with very flexible repayment terms that suit the needs of small businesses.
You can borrow from £10,000 - £500,000 and repay it monthly over a term of 3 – 60 months. There are no hidden fees or early repayment penalties – and you can even take advantage of repayment holidays or top-ups at any time during the term of the loan.
The interest rate on a cash flow loan can vary across the industry, but our rates at Fleximize start from just 0.9% month. Better still, we only charge interest on a reducing balance, rather than the total loan amount.
To see how a Fleximize cash flow loan could work for your business, why not use our business loan calculator for a quick and easy quote?
With Fleximize, you can repay the full amount of your cash flow loan at any time – and our Penalty-Free Promise means we won’t charge any early repayment fees. Instead, you’ll only pay interest for the time you actually had the loan.
So, if you want to repay your 24-month loan after six months, you'll only pay interest for the six months you had the loan.
Because our loans are amortising, you are also welcome to make overpayments anytime – and you’ll save on interest if you want to make overpayments without settling in full.
Do you have a question that you can't see? Check out our FAQ page.
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