WHAT IS A CASH FLOW LOAN?

Cash flow lending gives your business ongoing, flexible access to funds to manage the day-to-day ebbs and flows of trading – covering wages, supplier payments or a slow period between invoices being raised and paid.

Rather than a lump sum you draw down once, this is typically structured as a revolving facility: you draw funds as needed, repay them, and redraw again, only paying interest on what you’ve actually used.

It’s this flexibility that sets cash flow lending apart from a business loan, which is a fixed amount and from asset finance, which is tied to a particular piece of equipment. If your business has predictable seasonal swings, occasional timing gaps between income and expenses, or simply wants a safety net for cash flow, this is often a better fit than a traditional term loan.

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