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Get an instant cash flow loan quote

Our automated software allows for your cash loan application to get approved and paid faster than other finance providers.

We secure quick cash flow finance for any purpose, with rates from 5.5%.

Apply for cash flow loan and borrow up to £100,000, with same-day funding from 4 hours.



See what offers you're eligible for

See the cash flow loan offers you are eligible to receive.

This will not impact your credit score.


cash flow funding

Quotes don't affect your credit score 

cash flow finance

Get funds in as little as 4 hours

business cash flow loans

Fair approvals and rates from 5.5%

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business cash flow loans

Over £70 million lent to small businesses.


How To Apply for a Cash Flow Loan

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    Receive an instant decision.

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Why Apply for a Business Cash Flow Loan


small business cash flow loans

Available 24/7

Access to our financial services is always available.

business cash flow loan

Fully Automated

Complete our fast cash flow loan form 

cash flow loans for small businesses

What Suits You

Flexible terms up to 5 years with no hidden fees.



What is a cash flow loan?

Cash flow loan is the term used for a range of financial products which aim to provide cash injections to businesses to help them with their cash flow. This can come in the form of loans, overdrafts and even credit cards. The main aim of cash flow finance is to ensure that businesses have the cash they need to continue operating, even if their income is temporarily lower than usual. This can be vital for businesses who are waiting on payments from customers, or who have unexpected expenses. cash flow finance can help bridge the gap and keep businesses running smoothly.


How does a cash flow loan differ from a personal loan?

  • Unlike a personal loan, which is typically used for things like buying a car or consolidating debt, business cash flow loans are specifically designed to help business owners meet their short-term working capital needs.
  • Whether it's to cover the cost of inventory, make payroll, or take advantage of an unexpected opportunity, business cash flow loans can provide the flexibility and breathing room that every small business owner needs. And because they're repaid out of your business's future revenue, business cash flow loans don't require you to put up any collateral - making them a great option for business owners who may not have the equity necessary to qualify for a traditional bank loan.



  • How to choose the right cash flow loan for your business

    There are a few things to consider when choosing a cash flow loan.
  • How much do you need
  • First, think about how much money you need. Cash flow loans can range from a few hundred dollars to tens of thousands of dollars. Make sure you choose a loan that will cover your needs without putting your business in debt.
  • Over how long do you need it?
  • Second, consider the terms of the loan. Cash flow loans usually have shorter terms than traditional loans, so be sure to ask about the repayment schedule before you sign anything.
  • How can you pay it back?
  • Finally, make sure you understand the fees associated with the loan. Cash flow loans come with interest rates so be sure to factor that into your decision.

    Choosing the right cash flow loan for your business can be a tricky task, but it's important to take the time to do your


Lets chat before you apply for a cash flow loan

We're automated but it's always nice to know there's a real person behind the scenes to support you, so if you have any questions regarding instant business loans, or you're looking to enquire please don't hesitate to contact us.

Call 0800 086 9404 or Email Us
Office Hours are Monday to Fri 9:00 am - 5:30 pm



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What your cash flow loan could be used for


Having enough staff is vital for your business’ success. However, adding to your staff complement can be expensive due to wage expenses and recruitment costs. Business finance can help you take care of these.

VAT loans:

Bridge the gap between working capital and the amount needed to pay HMRC. A business loan can provide the cash you need to meet your tax liabilities. You to pay back in a series of manageable instalments over 3-12 months.


Our fast business loan is an excellent idea in cases where you need cash to cover a large invoice with operational implications or those where you have large bills to cover.

Cash flow loan Resources

Understanding Business Loan Rates

Learn how business loan rates differ and what they are influenced by.

Instant Business Loan Calculator

Use our business loan calculator to see what repayments may look like.

How Unsecured Business Loans Work

Discover how our unsecured business loans work vs secured.

Apply for a Start-up Business Loan

We have partnered with Transmit who are experts in start-up loans.

Learn about Invoice Financing

Find out how invoice finance can support your businesses cashflow.

Guide to Small Business Loans

Your go-to for everything related to business loan.



cash flow loan FAQ

Cash Flow Loan FAQ


How do I apply for a Cash Flow Loan?

We very strongly believe in efficiency and simplicity in the lending process. What it takes to get a cash flow loan should be a compelling business and confident leadership, not endless reams of paperwork and red tape. That's why we pride ourselves on the speed with which we make decisions, and the lack of paperwork we require. And whilst we're big users of cutting-edge technology, we're also aware of its limitations; so unlike some other lending platforms, we don't use algorithms to make instantaneous final decisions. It takes a little longer, but we're confident that it makes for better and more flexible decision-making.


How can I check my eligibility for a cash flow loan?

There are a few things that cash flow lenders will look at when considering your application. First, they'll want to see that your business has a healthy cash flow. This means that you have enough money coming in to cover your expenses and have some left over for growth. They'll also want to see that you have a good track record of making repayments on time. If you can show them that you're a responsible borrower, you're more likely to be approved for a loan. So if you're thinking of applying for a cash flow loan, make sure you do your research and put together a strong application.


Can I repay my cash flow loan early?

There's no hard and fast answer to this question - it depends on the specific business loan you have. At Love Finance we do not penalize and you can repay as early as you need. Some cash flow lenders may penalize you for repaying early, while others may not. It's always best to check with your lender to see what their policy is. Generally speaking, business loans are a type of business borrowing that need to be repaid over a set period of time. This repayment schedule is agreed upon when you take out the loan and usually involves making fixed monthly payments. If you're able to repay the loan early, you may be able to save on interest charges. Every business is different, so what works for one may not work for another. It's important to weigh up all the options before deciding whether or not to repay your business loan early. Ultimately, the decision comes down to what's best for your business.


Can I get a startup business loan? 

Unless you are purchasing business assets then unfortunately we only offer loans to companies trading over 12 months. However, we have teamed up with Transmit who offer start-up loans. If you write "LOVE" in the referral box, they'll know you've come from us :)


Can I apply for a business loan if I have a bad credit history? 

Your credit score depends on several factors but most importantly, whether you have a track record of taking out credit and repaying it quickly. The best thing you can do to improve your credit score and successfully apply for quick business loans is to make sure you're not entering into arrears on any lines of credit you might already have.


What can my business loan be used for?

VAT loans work by bridging the gap between the working capital you have on hand and the amount you need to pay HMRC. Good VAT bill finance facilities provide all of the cash you need to meet your tax liabilities on time and then ask you to pay back in a series of installments over the following months.


What are the repayment terms on a business loan? 

Cash flow loans can be obtained from banks, credit unions, and online lenders. The terms of repayment vary depending on the cash flow lender, but most cash flow loans must be repaid within 12 months to 5 years. Most cash flow lenders require borrowers to make monthly payments.


Are there disadvantages of business finance 

Although business finance can be a valuable tool for business owners, there may be some disadvantages to consider. For one thing, business finance often involves a high-interest rate and tight repayment terms, making it difficult for some small businesses to keep up with their financial obligations. Additionally, in order to obtain business finance, business owners may be required to provide a personal guarantee, putting their own assets at risk. Finally, business finance can place limits on a business owner's flexibility and make it difficult to adapt to changing market conditions. Overall, while business finance is certainly not without its downsides, it remains an important tool for many businesses seeking to grow and prosper.


Can you get cash flow loans for a small business

Cash flow loans are a great way to get the cash you need to keep your small business running. There are a few things you need to know before you apply for one though. First, cash flow loans are designed to help businesses with their cash flow needs. This means that if you're not generating enough cash to meet your financial obligations, a cash flow loan can help. Second, cash flow loans are typically short-term loans. This means that they're not meant to be used as a long-term solution to your cash flow problems. Finally, cash flow loans typically have higher interest rates than other types of loans. This is because they're considered to be at higher risk. However, if you're able to repay the loan on time, you can save money on interest. If you're looking for a cash flow loan for your small business you can apply with Love Finance today.


Need help applying for a cash flow loan?

If you have any questions regarding cash flow loan costs, how to best apply, or about cash flow finance in general, please don't hesitate to contact us before you apply.

Call 0800 086 9404 or Email Us
Office Hours are Monday to Fri 9:00 am - 5:30 pm